FR833282333 PAYPAL CREDIT CARD
PLCC TC PDF WF1474567A
9/19

PAYPAL CREDIT ACCOUNT AGREEMENT 
RATES AND FEES TABLE

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

The APR for purchases is the prime rate plus 20.74%. 

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

The APR for cash advances is the prime rate plus 20.74%.

This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
any interest on non-promotional transactions if you pay your entire balance by the due date 
each month. We will begin charging interest on promotional purchases on the purchase date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00.

Fees

Annual Fee

Penalty Fees

  •  Late Payment

  •  Returned Payment

None.

Up to $39.

Up to $27.

How We Will Calculate 
Your Balance

We  use  a  method  called  “average  daily  balance”  (including  new  purchases  and  cash 
advances). See the Account Agreement below for more details.

Federal law requires the Lender to obtain, verify, and record information that identifies you when you open an account. 
The Lender will use your name, address, date of birth, and other information for this purpose.

TYPES OF TRANSACTIONS

You may use your account to make purchases (standard and promotional) by choosing PayPal Credit when you make a 
purchase from a merchant at a website, by telephone, or at another authorized location. You may also use your account 
to get cash advances. These types of transactions are further explained below.

NON-PROMOTIONAL TRANSACTIONS

Standard Purchases

Cash Advances

Standard purchases are non-promotional purchases or are purchases that are not otherwise subject to promotional 
repayment terms and/or APRs.

Cash advances are extensions of credit made on the account when you choose PayPal Credit to Send Money. 
Send Money is your ability to make payments to third parties using PayPal, Inc.’s services, including in connection 
with: (i) a purchase of goods or services; or, (ii) a transfer of money to friends or family members (not to or from a 
business) without a purchase. You may not use the cash advance feature to Send Money to yourself. The cost of 
the cash advance may include both the amount sent and any fee charged by and paid to PayPal, Inc. for facilitating 
a Send Money transaction. We have the right to decline cash advance transactions for any reason permitted by 
applicable law, including if fraudulent or high-risk behavior is suspected.

At  times,  we  may  offer  promotional  financing  for  certain  transactions,  and  the  terms  of  this  Agreement  apply  to  any 
promotional  financing.  Regular  account  terms  apply  to  non-promotional  purchases  and,  after  the  promotion  ends, 
to  promotional  purchases.  Below  is  a  description  of  certain  promotional  financing  that  may  be  offered  on  purchases. 
These  promotional  offers  may  not  be  available  at  all  times  for  all  purchases.  Please  see  any  promotional  advertising 
or other disclosures provided to you for the full terms of any promotional offer. Offers may be subject to credit approval.

PROMOTIONAL PURCHASES - DEFERRED INTEREST PURCHASES

No Interest if Paid in 
Full in 6 Months

For  each  deferred  interest  purchase,  if  the  deferred  interest  purchase  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 deferred interest purchase is made.

No Interest if Paid in 
Full in 12 Months

At the time your account is opened, the variable purchase APR is 25.99%.

Your purchase APR will vary with the market based on the prime rate.

If you pay the balance on a deferred interest purchase in full within the applicable promotional period, we will not 
charge any interest for that purchase. Any remaining balance at the end of the promotional period will be charged 
interest  at  the  variable  purchase  APR  that  applies  to  your  account  from  the  date  of  the  purchase.  Minimum 
monthly payments are required.

PROMOTIONAL PURCHASES - EASY PAYMENTS PURCHASES

Easy Payments Purchases

For each qualifying Easy Payments purchase, either interest will be assessed on the purchase at a reduced APR 
(which may be referred to as a Financed Easy Payments purchase) or no interest will be assessed. A monthly 
payment will be due as described in the Minimum Payment Calculation section. We may offer this as the only 
method  you  can  use  to  make  a  purchase  from  a  merchant,  or  as  an  option  to  the  standard  purchase  and/or 
deferred interest purchase method. Easy Payments purchases will be subject to the terms offered at the time of 
the transaction by the merchant.

RATES, FEES AND PAYMENT INFORMATION 
RATES

You  agree  to  pay  interest  on  the  outstanding  balance  of  this  account  until  paid  in  full,  as  applicable.  Interest  may  be 
calculated differently depending on the type of transaction.

HOW INTEREST IS CALCULATED

Your Interest Rate

When We 
Charge Interest

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. The APR for purchases and cash advances is the prime rate plus 20.74%. As of September 1, 2019, 
the daily rate for purchases and cash advances is 0.0712054% (APR 25.99%). However, if we have disclosed a 
promotional rate at the time we made a promotional offer, we will calculate interest on balances subject to that 
promotional offer using the applicable promotional financing rate. 

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.

Generally, we charge interest on your purchases and cash advances from the date you make the purchase or cash 
advance until you pay the purchase or cash advance in full. See exceptions below.

•  We will not charge you interest during a billing cycle on any non-promotional transactions 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 charge interest on promotional purchases and their related fees from the date you make the promotional 
purchase, where applicable. If you pay the balance on a deferred interest purchase in full within the applicable 
promotional period, we will not charge any interest for that purchase.

•   We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to 

non-promotional transactions 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.

How We 
Calculate Interest

We calculate interest on your account for each billing cycle separately for each balance type. A separate average 
daily balance is calculated for the following balance types, as applicable: standard purchases, cash advances and 
promotional purchases. See below for how this works.

1.  How to get the average daily balance. We take the starting balance each day, including billed interest 
and  billed  fees,  add  any  new  charges  and  adjustments  posted  that  day  and  subtract  any  payments  or 
credits (treating any net credit balance as zero). This gives us the daily balance. Then, we add up all the 
daily balances for the billing cycle and divide the total by the number of days in the billing cycle. The result 
is the average daily balance.

2.  How to get the interest amount. We multiply each average daily balance by the number of days in the 
billing cycle. Then we multiply this by the daily rate that applies. This gives us the interest charges for each 
balance type.

3.  How to get the interest charge for the billing cycle. We add all the interest charges for all the balance 

types, to get the interest for the account.

Minimum 
Interest Charge

We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest on non-promotional transactions.

You agree to pay the following fees, as applicable.

FEES

FEES

Late Payment Fee

Returned Payment Fee

We will charge this fee for each billing cycle in which we do not receive the minimum payment due on your account 
on the due date in accordance with the requirements set forth on each billing statement. This fee is equal to:

1. $28, if you have paid your minimum payment due by the due date in each of the prior six billing cycles; OR

2.  $39, if you have failed to pay your minimum payment due by the due date in any one or more of the prior 

six billing cycles.

The late payment fee will never be more than the minimum payment that was due and will not exceed $5.00 if the 
minimum payment due on your account is less than $28.

We will charge this fee, which is sometimes referred to as a “return check fee” or “non-sufficient funds fee,” if any 
check, other instrument, or electronic payment authorization you provide us in payment on your account, is not 
honored upon first presentment for any reason, including if the payment is returned by drawee for “not sufficient 
funds.” We will not charge this fee if the check, instrument or electronic authorization is later honored. This fee 
is equal to $27; however, it will never be more than the minimum payment due immediately prior to the date on 
which the payment is returned.

MINIMUM PAYMENT CALCULATION

Your minimum payment is calculated as follows.

The sum of:

a. For the new balance shown on your billing statement (excluding any Easy Payments purchase balance), the greater of:

(i)  $28, or $39 if you have failed to pay the minimum payment due by the due date in any one or more of the prior six billing cycles; or

(ii)  The sum of 1% of such new balance (rounded down to the nearest whole dollar), plus interest (excluding any accrued interest on a deferred interest 
purchase billed in that billing cycle), late payment fees and returned payment fees charged in the current billing cycle (rounded down to the nearest whole 
dollar); PLUS

b. Any past due amounts; PLUS

c.  Any Easy Payments purchase monthly payment. The monthly payment amount for an Easy Payments purchase will be equal to the Easy Payments purchase 

amount plus applicable interest divided by the number of months in the applicable promotional period.

Your minimum payment will never be more than your new balance. There is no payment due for a “No Payments + No Interest if paid in full Purchase” prior to 
its expiration date.

ABOUT THE CREDIT CARD ACCOUNT AGREEMENT

STANDARD PROVISIONS

This Agreement

Parties To 
This Agreement

This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for 
your PayPal Credit open-end (revolving) credit card account that is the subject of this Agreement. By opening 
or using your account, you agree to the terms of the entire Agreement, and you make the promises it contains 
by  either  applying  for  or  accepting  an  account  or  making  a  purchase  using  PayPal  Credit  after  receipt  of  this 
Agreement. The entire Agreement includes this document, including any amendment or addendum thereto, and 
the application you submitted 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.

The person who applied for, opened and/or uses the account may be referred to as “you” or “your.” The Lender, 
Synchrony  Bank,  may  be  referred  to  as  “we,”  “us”  or  “our.”  PayPal,  Inc.,  located  in  San  Jose,  California,  is  a 
payment service provider that consumers and merchants use to make payments to and accept payments from 
third parties, and is another entity contemplated by this Agreement.

Changes To 
This Agreement

We may change, add or delete terms of this Agreement, including interest rates, fees and charges.

Promotional Financing Offers The terms of this Agreement apply to any promotional financing offer. However, any promotional financing 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

Use Of 
Your Account

You Promise To Pay

Your Responsibility

Transaction Limits

Credit Limit

You may use your account only for lawful personal, family or household purposes. You may use your account for 
the types of transactions explained in this Agreement. You may not use your account to pay amounts you owe 
us on this account or any other account you have with us. We may charge your account for purchases and cash 
advances you make, and you authorize us to charge this account for the cost of any purchase or cash advance 
you or anyone to whom you have given permission to use this account make, using PayPal Credit.

You promise to pay us for all amounts owed to us under this Agreement.

You may not allow anyone else to use your account. If you do, you will be responsible for paying for all charges 
resulting from their transactions.

To  prevent  fraud,  we  may  limit  the  number  or  dollar  amount  of  any  type  of  transactions  you  can  make  in  any 
particular amount of time. We also may decline any particular charge on your account for any reason.

You will be assigned a credit limit (which may also be referred to as a credit line), which is the dollar amount of 
credit available for you to borrow on your account, of at least $250, that we may increase or decrease from time 
to time. If we approve a transaction that makes you go over your credit limit, we do not give up any rights under 
this Agreement and we do not treat it as an increase in your credit limit. However, we may, from time to time, 
increase your credit limit, including after approval of such a transaction. If you seek to open a new account to make 
a purchase, you agree that if we identify your existing account, your purchase will be charged to your existing 
account and a new account will not be opened.

HOW AND WHEN TO MAKE PAYMENTS

When Payments Are Due

You must pay at least the minimum payment due on your account by the due date of each billing cycle in accordance 
with the requirements set forth on each billing statement. Payments received after the due date will be credited as 
of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any 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 mail, online or by phone. 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

Payment Allocation

INFORMATION ABOUT YOU

Using And Sharing 
Your Information

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.

We will use each payment in the amount of the minimum payment due or less, first to pay billed monthly plan 
payments on any Easy Payments purchases, then billed interest, then billed fees, then the principal balance, and 
then any other amounts due. However, if you have a balance on a deferred interest purchase, during both the 
billing cycle preceding its expiration date and the billing cycle in which such deferred interest purchase expires, we 
may use the payment, after the amount to pay billed monthly plan payments on any Easy Payments purchases, to 
pay the balance on such deferred interest purchase(s).

We will use any amount in excess of the minimum payment due to pay the balances with the highest interest rate, 
then the next highest interest rate, and so forth. However, during both the billing cycle preceding the expiration date 
and the billing cycle in which a deferred interest purchase expires, we may use payments first to pay the balance on 
such deferred interest purchase(s).

When you applied for an account, you gave us and PayPal, Inc. information about yourself that we could share with 
each other. PayPal, Inc. will use the information in connection with the credit program and for things like creating 
and updating its records and offering you special benefits. By making a purchase or requesting a cash advance, 
you authorize us to share your personal information (including email address) in order to verify your identity, make 
a credit decision, complete your transaction, service your account, and for any other lawful purpose as set forth in 
the privacy policy for your account. You authorize merchants you transact with to share your personal information, 
including email address, with the Lender to use it for any lawful purpose.

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 (mailing or email) or any phone number.

Consent To Communications

You consent to us and PayPal, Inc., as well as any other owner or servicer of your account, contacting you through 
any channel of communication 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.

Telephone Monitoring

For quality control, you allow us and/or PayPal, Inc. to listen to and/or record telephone calls between you and us or PayPal, Inc.

Emails

You consent to us and/or PayPal, Inc. emailing you for any lawful purpose, including marketing.

INFORMATION ABOUT YOUR ACCOUNT

Closing 
Your Account

Collection Costs

Credit 
Bureau Reporting

Default

Disputed Amounts

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.

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.

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.

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.

The billing rights summary in this Agreement describes what to do if you think there is a mistake on 
your bill. If you send us correspondence 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 account is used without your consent, call us immediately at 1-844-373-4961. You will not be liable for 
unauthorized use on your account, but you will be responsible for all use by anyone you allow to use your account.

IMPORTANT INFORMATION ABOUT THIS AGREEMENT

Assignment

Enforceability

Governing Law

Waiver

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. Any person, company, or bank to 
whom we assign this Agreement shall be entitled to all of our rights under this Agreement. None of your rights or 
obligations shall be affected by such assignment. You may not sell, assign or transfer any of your rights or duties 
under this Agreement or your account.

If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.

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.

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, and PayPal, Inc. and its affiliates) that 
directly or indirectly arises from or relates to your account, your account Agreement or our relationship, except as noted below. In addition, any assignee, 
agent, 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 
(notwithstanding any state law to the contrary).

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.

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.

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.

OTHER IMPORTANT INFORMATION

FR833282333 PAYPAL CREDIT CARD
PLCC TC PDF WF1474567A
9/19