SYNCHRONY BANK
KEEP FOR YOUR RECORDS RATES AND FEES TABLE CARECREDIT CREDIT CARD ACCOUNT
Interest Rates and Interest Charges	
Annual Percentage Rate (APR) for Purchases	26.99%
Paying Interest	Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on non-promotional purchases 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.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees	
Penalty Fees • Late Payment	Up to $39.
How We Will Calculate Your Balance: We use a method called “daily balance.” See your credit card account agreement below for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your credit card account agreement.
The information about the costs of the card described above is accurate as of April 2, 2019. This information may have changed after that date. To find out what may have changed, write to us at P.O. Box 965033, Orlando, FL 32896-5033. This application and the credit card agreement will be governed by federal law, and to the extent state law applies, the laws of Utah. Subject to the requirements and limitations of applicable law, we may change, add to or delete any of the terms of the agreement, including the interest rates, fees and charges and we will send you notice as required. Please read the following disclosure if you have received a pre-approval for a credit card.
You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.
PRESCREEN & OPT-OUT NOTICE: This “prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, at 1-888-567-8688, write to: TransUnion Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; or Experian Opt-Out, P.O. Box 919, Allen, TX 75013.
STATE NOTICES
CALIFORNIA RESIDENTS: If you are married, you may apply for a separate account.
NEW YORK RESIDENTS: A consumer credit report may be obtained in connection with evaluating your application and subsequently in connection with updates, renewals, or extensions of credit for which this application is made. Upon your request, you will be informed whether a report was obtained, and if so, of the name and address of the consumer reporting agency.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under sec. 766.59, Wis. Stats., or a court decree under sec. 766.70, Wis. Stats., adversely affects the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Married residents of Wisconsin applying for an individual account must give us the name and address of their spouse if the spouse also is a Wisconsin resident, regardless of whether the spouse may use the card. Please provide this information to us at P.O. Box 965033, Orlando, FL 32896-5033.
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CONSENT TO ELECTRONIC COMMUNICATIONS
You consent to receive communications relating to your Account in electronic form. The communications covered by your consent may include, but are not limited to, (i) the initial disclosure statement or agreement governing your Account, (ii) any disclosure required by federal, state or local law, including disclosures under the federal Truth in Lending Act, the federal Fair Credit Reporting Act and the financial privacy provisions of the Gramm-Leach-Bliley Act, (iii) your billing statement, if you have signed up to receive electronic statements, (iv) letters, notices or alerts regarding your Account and any changes to your Account, (v) other disclosures, notices or communications in connection with the application for, the opening of, maintenance of or collection of your Account, and (vi) the debt cancellation agreement and other information relating to optional debt cancellation products you may select to purchase. These electronic communications may include your name and some information about your Account, including your balance or the due date; however, we will not include your full account number or social security number. Electronic communications may be reviewed by any party with access to your Account, the e-mail account you have provided to us for delivering these communications, or the hardware or software you use to view your Account information or your e-mail account.
Categories of Communications
You consent to receive communications relating to your Account in electronic form. The communications covered by your consent may include, but are not limited to, (i) the initial disclosure statement or agreement governing your Account, (ii) any disclosure required by federal, state or local law, including disclosures under the federal Truth in Lending Act, the federal Fair Credit Reporting Act, the federal Credit Opportunity Act and the financial privacy provisions of the Gramm-Leach-Bliley Act, (iii) your billing statement, if you have signed up to receive electronic statements, (iv) letters, notices or alerts regarding your Account and any changes to your Account, (v) other disclosures, notices or communications in connection with the application for, the opening of, maintenance of or collection of your Account, and (vi) the debt cancellation agreement and other information relating to optional debt cancellation products you may select to purchase. These electronic communications may include your name and some information about your Account, including your balance or the due date; however, we will not include your full account number or social security number. Electronic communications may be reviewed by any party with access to your Account, the e-mail account you have provided to us for delivering these communications, or the hardware or software you use to view your Account information or your e-mail account.
How to Withdraw Your Consent
You may not apply online for an Account and you may not register your Account for online services (including electronic statements or mobile alerts), unless you also provide your consent to receive electronic communications. If you have registered for online services (such as electronic statements or mobile alerts) and you wish to withdraw your consent to receive future electronic communications, you must un-enroll from each service you have elected to receive to completely withdraw your consent to receive electronic communications. Additionally, you may call customer service at the number on your credit card or billing statement to withdraw your consent.
We will not impose any fee to process the withdrawal of your consent to electronic communications. However, you will not be able to receive your billing statements electronically if you do not consent to receive electronic communications or withdraw your consent. Any withdrawal of your consent to electronic communications will be effective only after we have a reasonable period of time to process your withdrawal request.
How to Update Your Records
You agree to promptly update your e-mail address if a change occurs by updating your information through the website listed on your billing statement or by calling customer service.
Hardware and Software Requirements
In order to access and retain electronic communications, you must have the following:
•	For personal computers:
o Access to the Internet via dial-up, DSL, cable modem, wireless access protocol or equivalent
o SSL-enabled web browser that supports JavaScript
o Sufficientelectronicstoragecapacityonyourharddriveorotherdatastoragefacility,orameanstoprintorstorenoticesandinformationthroughyour browser software
•	For mobile devices (phones, tablets, eReaders, or other mobile devices with Internet browsing capabilities):
o Access to the Internet via dial-up, DSL, cable modem, wireless access protocol or equivalent
o SSL-enabled web browser that supports HTML 5, JavaScript, and CSS3
o Sufficientelectronicstoragecapacityonyourharddriveorotherdatastoragefacility,orameanstoprintorstorenoticesandinformationthroughyour browser software
Paper Copies of Communications
Upon your request we will provide you with a paper copy of a communication that we provide you electronically. If you would like a paper copy of any material (other than your debt cancellation agreement), please write to us at: Synchrony Bank, P.O. Box 965033, Orlando, FL 32896-5033 or call us at the phone number listed on the back of your credit card or on your billing statement. If you would like a copy of your debt cancellation agreement, please write to us at: Card Security, P.O. Box 39, Roswell, GA 30077-0039. There will be no charge for a paper copy of any material we have sent you electronically.
Communications in Writing
All communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download a copy of this consent, the Account agreement, the debt cancellation agreement (if elected) and any other electronic communication that is important to you for your records.
Electronic Signatures
You acknowledge that by clicking on the “Submit” or similar button, you are indicating your intent to sign up for electronic communications and that this shall constitute your signature.
Federal Law
You acknowledge and agree that your consent is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business and communicate with you by electronic means.
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IMPORTANT TERMS FOR ELECTRONIC STATEMENTS
In addition to the above, if you have elected to receive electronic statements, the following information applies:
1.	Statement Inserts. Any inserts that would be included with a statement sent by U.S. mail may also be sent to you electronically. If an insert contains legally required material, to ensure that you receive the necessary material, we may send you a paper copy of your statement in addition to making the statement available to you electronically. Any legally required insert that would not be available electronically will be sent to you by U.S. mail.
2.	Payment Information. When you elect to stop paper statements, you must still pay at least your Minimum Payment and have it received by us by 5 p.m. (ET) on the Payment Due Date. You can do this through an electronic bill pay service (whether through this website or using a third party servicer or bank) or by mailing your payment to us at the address shown on the electronic statement. Please note, if you do not pay us electronically, the crediting of your payment may be delayed by up to five days after receipt.
3.	Returned E-mails. If e-mails advising you of the availability of statements are returned to us, we may cancel your enrollment for electronic statements and resume sending you paper statements in the mail. If this happens, you will need to re-enroll to receive electronic statements with updated information.
4.	SPAM Filters. We will make every effort to ensure our e-mail notifications are properly listed with all SPAM filter agencies. However, you are responsible for ensuring that any SPAM filters recognize e-mail originating from us. If you fail to receive e-mail notifications from us after enrolling for electronic statements, please check with the provider of your e-mail account and/or the SPAM filter associated with your e-mail account.
5.	Account Delinquency. We reserve the right, at any time and without notice, to stop providing you with electronic statements and provide you with paper statements, if your account is not maintained in good standing.
6.	Cancellation. We reserve the right, at any time, to stop providing you electronic statements and provide you with paper statements. If we do so, we will provide you with prior notice, except in the case of account delinquency. Reasons for cancellation include, but are not limited to, not viewing your last three electronic statements.
Definitions used in this consent:
•	“You” and “your” mean the primary applicant or accountholder;
•	“We,” “us” and “our” mean Synchrony Bank;
•	“Account” means your Synchrony Bank credit card account; and
•	“Billing Statement” means the billing statement for your Account.
All other terms used in this consent shall have the meanings given to them in the Account agreement.
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SECTIONS II, III, AND IV OF THE CARECREDIT CREDIT CARD ACCOUNT AGREEMENT SECTION II: RATES, FEES AND PAYMENT INFORMATION
How Interest Is Calculated	
Your Interest Rate	We use a daily rate to calculate the interest on the balance on your account each day. The daily rate for purchases is the APR times 1/365. The daily rate for purchases is .07395% (APR 26.99%). Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law.
When We Charge Interest	We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below. • We will not charge you interest during a billing cycle on any non-promotional 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 always charge interest on promotional purchases and their related fees from the date you make the 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 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.
How We Calculate Interest	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 and balances subject to different interest rates, plans or special promotions. See below for more details on 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. Debt cancellation fees, if any, and late payment fees are treated as new purchases. 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. Interest, as calculated above, is added as applicable to each balance type. Minimum interest charges in excess of the calculated interest are treated as new purchases.
How Fees Work	
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.	$28, if you have paid your total 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 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.
1.	The sum of:
a.	For the new balance shown on your billing statement (excluding any balance attributable to a special promotional purchase with a unique payment calculation), the greater of:
(i)	$28; or
(ii)	3.25% of the new balance shown on your billing statement; or
(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
b.	Any past due amounts; PLUS
c.	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.
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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 promotional advertising or other disclosures provided to you. Below is a description of certain special promotions that may be offered, in addition to reduced APR promotions with a unique payment calculation.
No Interest if Paid in Full Within 6 Months	For each promotion, if the promotional balance is not paid in full within the promotional
No Interest if Paid in Full Within 12 Months	period, interest will be imposed from the date of purchase at the Purchase APR that applies to your account when the promotional purchase is made.
No Interest if Paid in Full Within 18 Months	
No Interest if Paid in Full Within 24 Months	At the time your account is opened, the Purchase APR is 26.99%.
When you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase if you pay the promotional purchase amount in full within the applicable promotional period. If you do not, interest will be assessed on the promotional purchase from the date of the purchase. Minimum or fixed monthly payments are required. 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
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. 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 dealers/merchants/retailers that accept the card.
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.
Purchase 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 decline any particular charge on your account for any reason.
Credit 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 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.
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 mail, online or at certain dealers/merchants/retailers that accept the card and payments. 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.
INFORMATION ABOUT YOU
Using and Sharing Your Information. When you applied for an account, you gave us, providers that accept the card and program sponsors information about yourself that we could share with each other. Providers that accept the card and program sponsors (and their respective affiliates) will use the information in connection with the credit program and for things like creating and updating their 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.
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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 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 Synchrony Bank, P.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 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 866-396-8254. 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.
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, dealers/merchants/retailers and/or 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.
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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 ANACCOUNTHOLDER 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
NOTICE FOR ACTIVE DUTY MILITARY MEMBERS AND THEIR DEPENDENTS: The following disclosures apply to you if, at the time your account is opened, you are a “covered borrower” as defined in the Military Lending Act, which includes eligible active duty members of the Armed Forces and their dependents:
1.	The provision in the Agreement called “Resolving a Dispute with Arbitration” will not apply to your account.
2.	Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed the Annual Percentage Rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
3.	You can call 855-367-4541 to hear the information in item 2 (above) and a description of the payment obligation for your account.
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STATE NOTICES
CALIFORNIA RESIDENTS: If you are married, you may apply for a separate account.
NEW JERSEY RESIDENTS: Certain provisions of this Agreement are subject to applicable law. As a result, they may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
TENNESSEE RESIDENTS: This Agreement will not become effective unless and until we have (1) provided the disclosures required pursuant to the federal Truth in Lending Act, (2) you or an authorized user uses the account, and (3) we extend credit to you for that transaction on your account.
WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under sec. 766.59, Wis. Stats., or a court decree under sec. 766.70, Wis. Stats., adversely affects the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Married residents of Wisconsin applying for an individual account must give us the name and address of their spouse if the spouse also is a Wisconsin resident, regardless of whether the spouse may use the card. Please provide this information to us at P.O. Box 965033, Orlando, FL 32896-5033.
Your signature on the application or sales slip (or online screen) for the initial purchase approved on this account represents your signature on this Agreement. It is incorporated herein by reference.
We have signed this Agreement as follows:
Margaret Keane President and CEO Synchrony Bank
YOUR BILLING RIGHTS SUMMARY
Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Synchrony Bank
P.O. Box 965035
Orlando, FL 32896-5035
In your letter, give us the following information:
•	Account information: Your name and account number.
•	Dollar amount: The dollar amount of the suspected error.
•	Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
•	Within 60 days after the error appeared on your statement.
•	At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1.	Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
2.	Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
•	We cannot try to collect the amount in question, or report you as delinquent on that amount.
•	The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
•	While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
•	We can apply any unpaid amount against your credit limit.
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After we finish our investigation, one of two things will happen:
•	If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
•	If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you
a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1.	The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2.	You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3.	You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Synchrony Bank
P.O. Box 965035
Orlando, FL 32896-5035
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
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PRIVACY POLICY
Rev. 3/17
FACTS	WHAT DOES SYNCHRONY BANK DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: § Social Security number and income § Account balances and payment history § Credit history and credit scores
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Synchrony Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information	Does Synchrony Bank share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes— information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes— information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes*
To limit our sharing	§ Call 1-877-905-2097—our menu will prompt you through your choice(s) Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or earlier if you consent or for types of information for which you do not have the right to limit our sharing. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 1-877-905-2097
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What we do
How does Synchrony Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Synchrony Bank collect my personal information?	We collect your personal information, for example, when you § open an account or give us your contact information § provide account information or pay your bills § use your credit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only § sharing for affiliates’ everyday business purposes—information about your creditworthiness § affiliates from using your information to market to you § sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. § Our affiliates include financial companies, such as Synchrony Financial and its subsidiaries, including Retail Finance Credit Services, LLC and CareCredit LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. § Nonaffiliates we share with can include the retailer named on your account and direct marketing companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. § Our joint marketing partners include insurance companies.
Other important information
If your account has a California or Vermont billing address, you are automatically treated as if you have chosen to limit our sharing of information with affiliates and nonaffiliates. If your account has a California billing address, we will not share information for joint marketing purposes with other financial companies. If your account no longer has a California or Vermont address, these special rules will stop applying and you will need to notify us if you want to exercise your right to restrict our sharing of information with affiliates or nonaffiliates.
* Please keep in mind that, as permitted by federal law, if you choose to limit our sharing of information with nonaffiliates, your choice will not prohibit us from sharing your information with dealers/merchants/retailers/ contractors/providers (and their affiliates and program sponsors) that accept the credit card in connection with maintaining and servicing the consumer program identified on your credit card agreement or credit card, including marketing of such program.
The above notice applies only to the consumer credit card account with Synchrony Bank, as identified on your credit card agreement or credit card, and does not apply to any other accounts you have with us. It replaces our previous privacy notice disclosures to you. We can change our privacy policy at any time and will let you know if we do if/as required by applicable law.
For helpful information about identity theft, visit the Federal Trade Commission’s (FTC) consumer website at https://www.identitytheft.gov/ .
38298AA
D00-2
4/2019
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CARECREDIT - SPAN 184-020-00 Rev. 4/2019 M-127212 00001123555 38298X
SYNCHRONY BANK
CONTRATO DE CUENTA DE TARJETA DE CREDITO
SYNCHRONY BANK
SECCION I: TABLA DE TASAS, CARGOS Y CUOTAS CONTRATO DE CUENTA DE TARJETA DE CREDITO CARECREDIT
Tasas de Interes y Cargos por Interes	
Tasa de Porcentaje Anual (APR) para Compras	26.99%
Pagando Interes	Su fecha de vencimiento es al menos 23 dias despues del cierre de cada ciclo de facturacion. No le cobraremos interes alguno en compras no promocionales si paga su saldo (balance) total a mas tardar en la fecha de vencimiento cada mes. Comenzaremos a cobrar interes en compras promocionales en la fecha de compra.
Cargo Mi'nimo de Interes	Si se le cobra interes, el cargo no sera menor de $2.
Para Consejos sobre Tarjetas de Credito del Consumer Financial Protection Bureau	Para conocer mas sobre los factores que debe considerar cuando solicite o utilice una tarjeta de credito, visite el sitio de Internet del Consumer Financial Protection Bureau en http://www.consumerfinance.gov/learnmore.
Cargos	
Cargos por Penalizacion • Pagos Atrasados	Hasta $39.
Como Calcularemos Su Saldo (Balance): Utilizamos un metodo denominado el “saldo (balance) diario.” Consulte su contrato de cuenta de tarjeta de credito para mas detalles.
Derechos de Facturacion: La informacion sobre sus derechos a disputar transacciones y como ejercer esos derechos se proporciona en su contrato de cuenta de tarjeta de credito.
	SECCION II: TASAS, CARGOS, CUOTAS E INFORMACION
Como Se Calcula el Interes
Su Tasa de Interes	Utilizamos una tasa diaria para calcular el interes sobre el saldo (balance) de su cuenta cada dia. La tasa diaria para compras es la Tasa de Porcentaje Anual (APR) multiplicada por 1/365. La tasa diaria para compras es de .07395% (Tasa de Porcentaje Anual (APR) 26.99%). El interes se impondra en montos o a tasas que no excedan esos permitidos por la ley aplicable.
Cuando Cobramos Interes	Nosotros cobramos interes en sus compras a partir de la fecha en la que realice la compra hasta que pague la compra en su totalidad. Vea las excepciones a continuacion. • No le cobraremos interes durante un ciclo de facturacion en ninguna compra no promocional si: 1.	Usted no tenia un saldo (balance) al principio del ciclo de facturacion; O 2.	Usted tenia un saldo (balance) al principio del ciclo de facturacion y pago ese saldo (balance) en su totalidad a mas tardar en la fecha de vencimiento en ese ciclo de facturacion. Siempre cobraremos interes en compras promocionales y sus cargos/cuotas relacionados a partir de la fecha en la que realice la compra. • Acreditaremos, al principio del ciclo de facturacion, cualquier pago que usted realice a mas tardar en la fecha de vencimiento que asignamos a compras no promocionales si: 1.	Usted no tenia un saldo (balance) al principio del ciclo de facturacion anterior; O 2.	Usted tenia un saldo (balance) al principio del ciclo de facturacion anterior y pago ese saldo (balance) en su totalidad a mas tardar en la fecha de vencimiento en el ciclo de facturacion anterior.
Como Calculamos el Interes	Nosotros calculamos el cargo por interes en su cuenta por separado para cada tipo de saldo (balance). Hacemos esto al aplicar la tasa diaria al saldo (balance) diario para cada dia en el ciclo de facturacion. Un saldo (balance) diario separado se calcula para los siguientes tipos de saldo (balance), como aplique: compras y saldos (balances) sujetos a distintas tasas de interes, planes o promociones especiales. Vea a continuacion para conocer como esto funciona: 1.	Como obtener el saldo (balance) diario: Tomamos el saldo (balance) inicial cada dia, sumamos cualquier nuevo cargo y cargo/cuota y restamos cualquier pago o credito: Esto nos da el saldo (balance) diario. Las cuotas por cancelacion de deuda, si hay, y los cargos por pagos atrasados se tratan como compras nuevas. 2.	Como obtener el monto del interes diario: Multiplicamos cada saldo (balance) diario por la tasa diaria que aplique. 3.	Como obtener el saldo (balance) inicial para el proximo d^a: Sumamos el monto del interes diario en el paso 2 al saldo (balance) diario del paso 1. 4.	Como obtener el cargo por interes para el ciclo de facturacion: Sumamos todos los montos de interes diarios que se cobraron durante el ciclo de facturacion. Cobramos un minimo de $2.00 de interes en cualquier ciclo de facturacion en el cual usted debe interes. El interes, como calculado arriba, se agrega a cada tipo de saldo (balance). Los cargos minimos de interes en exceso al interes calculado se tratan como compras nuevas.
Como Funcionan los Cargos
Cargo por Pagos Atrasados	Cobraremos este cargo si no recibimos al menos el pago minimo total a vencer en su cuenta a mas tardar a las 5:00 p.m. (Hora del Este) en la fecha de vencimiento. Este cargo es equivalente a: 1.	$28, si ha pagado al menos su pago minimo total a vencer a mas tardar en la fecha de vencimiento en cada uno de los seis ciclos de facturacion anteriores. O 2.	$39, si no ha realizado al menos el pago minimo total a vencer a mas tardar en la fecha de vencimiento en cualquiera de uno o mas de los seis ciclos de facturacion anteriores. El cargo por pagos atrasados no sera mas que el pago minimo total que vencio.
Calculo del Pago Mmimo
Su pago minimo total se calcula de la siguiente manera.
La suma de:
a.	Para el nuevo saldo que aparece en su estado de facturacion (excluyendo cualquier saldo atribuible a una compra promocional especial con un calculo de pago unico), el mayor entre:
(i)	$28; o
(ii)	el 3.25% del nuevo saldo que aparece en su estado de facturacion; o
(iii)	La suma del 1% de su nuevo saldo que aparece en su estado de facturacion mas los intereses y tarifas por pago atrasado que se cobran en el ciclo de facturacion actual; MAS
b.	Cualquier monto vencido; MAS
c.	Cualquier pago adeudado en relacion con una compra promocional especial con un calculo de pago unico.
Para determinar el pago minimo total, redondeamos al siguiente dolar entero mas alto. Su total del pago minimo nunca sera mayor que su nuevo saldo.
Informacion sobre Oferta de Financiamiento Promocional Especial
Periodicamente, nosotros podemos ofrecerle promociones de financiamiento especial para ciertas transacciones (“promociones especiales”). Los terminos y condiciones de este Contrato aplican a cualquier promocion especial. No obstante, cualquier termino o condicion promocional especial que sea distinto a los terminos y condiciones en este Contrato se explicara en el anuncio promocional u otras declaraciones provistas a usted. A continuacion encontrara una descripcion de ciertas promociones especiales que se pueden ofrecer, ademas de la reduccion de las promociones APR con un calculo de pago unico.
Sin Interes si se Paga en su Totalidad Dentro de 6 Meses	Para cada promocion, si la compra promocional no se paga en su totalidad dentro del periodo promocional, se impondra interes a partir de la fecha de la compra a la Tasa de Porcentaje Anual (APR) que aplica a su cuenta cuando la compra promocional se realiza. Al momento en el que se abra su cuenta, esta es una Tasa de Porcentaje Anual (APR) es de 26.99%.
Sin Interes si se Paga en su Totalidad Dentro de 12 Meses	
Sin Interes si se Paga en su Totalidad Dentro de 18 Meses	
Sin Interes si se Paga en su Totalidad Dentro de 24 Meses	
Cuando realiza una compra calificativa en virtud de estas promociones, no se impondra interes en la compra si paga la compra promocional en su totalidad dentro del periodo promocional aplicable. Si no lo hace, se impondra interes en la compra promocional a partir de la fecha de la compra. Se requieren pagos mensuales minimos o fijos. Los terminos y condiciones regulares de cuenta aplican a compras no promocionales y, despues de que termine la promocion al saldo (balance) promocional. Las ofertas estan sujetas a aprobacion de credito. Estas ofertas promocionales pueden no encontrarse disponibles en todos los proveedores ni en todo momento para todas las compras. Por favor consulte cualquier anuncio de la promocion especial u otras declaraciones provistas a usted para los terminos y condiciones completos de cualquier promocion especial ofrecida.
SECCION III: DISPOSICIONES ESTANDARES
INFORMACION SOBRE EL CONTRATO DE CUENTA TARJETA DE CREDITO
Este Contrato. Este es un Contrato entre usted y Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, para su cuenta de tarjeta de credito. Al abrir o usar su cuenta, usted acepta los terminos y condiciones del Contrato completo. El Contrato completo incluye las cuatro secciones de este documento y la solicitud que nos presento en relacion con la cuenta. Estos documentos reemplazan cualquier otro contrato relacionado a su cuenta que usted o nosotros celebramos anteriormente o a la misma vez.
Partes Al Presente Contrato. El presente Contrato aplica a cada titular de cuenta aprobado en la cuenta y cada uno de ustedes es responsable por pagar el monto total adeudado, sin importar quien de ustedes use la cuenta. Podemos tratar a cada uno de ustedes como un titular de cuenta y nos podemos referir a cada uno de ustedes como “usted” o “su.” Synchrony Bank se puede referir como “nosotros,” “nos” o “nuestro.”
Cambios Al Presente Contrato. Nosotros podemos modificar, agregar a o eliminar cualquiera de los terminos y condiciones del presente Contrato incluyendo las tasas de interes, cargos/cuotas y cargos.
Promociones Especiales. Los terminos y condiciones del presente Contrato aplican a toda promocion especial. No obstante, cualquier termino o condicion promocional especial que sea distinto a los terminos y condiciones del presente Contrato se explicara en el anuncio promocional u otras declaraciones provistas a usted.
COMO USAR SU CUENTA/TARJETA
El Uso de Su Cuenta. Usted puede utilizar su cuenta solamente para fines personales, familiares o domesticos permitidos por la ley. Usted puede usar su cuenta para compras de proveedores que aceptan la tarjeta.
Su Compromiso de Pago. Usted se compromete a pagarnos por todos los montos que nos adeude en virtud del presente Contrato.
Su Responsabilidad. Cada titular de cuenta recibira una tarjeta. Usted no puede permitir que otra persona use su cuenta. Si lo hace, o si nos pide enviarle una tarjeta a otra persona, usted sera responsable por pagar todos los cargos que resultan de sus transacciones.
Li'mites de Compras. Para prevenir el fraude, nosotros podemos limitar el numero o monto en dolares de compras que pueda realizar en cualquier periodo de tiempo particular. Tambien podemos declinar cualquier cargo particular en su cuenta por cualquier razon.
Li'mite de Credito. A usted se le asignara un limite de credito que nosotros podemos aumentar o disminuir ocasionalmente. Si aprobamos una compra que lo causa exceder su limite de credito, no renunciamos a ninguno de nuestros derechos en virtud del presente Contrato y no lo trataremos como un aumento en su limite de credito.
CUANDO Y COMO DEBE REALIZAR LOS PAGOS
Cuando Vencen los Pagos. Usted debe realizar al menos el pago minimo total a vencer en su cuenta a mas tardar a las 5:00 p.m. (Hora del Este) en la fecha de vencimiento de cada ciclo de facturacion. Pagos recibidos despues de las 5:00 p.m. (Hora del Este) se acreditaran al proximo dia. Usted puede, en cualquier momento, pagar, en parte o en su totalidad, el saldo (balance) total impago sin cargo adicional por el prepago. Si tiene un saldo (balance) sujeto a interes, el pago anticipado puede reducir el monto del interes que pagara. Podemos demorarnos en reestablecer el credito disponible en su cuenta en el monto de su pago aunque acreditaremos su pago cuando lo recibamos.
Opciones de Pago. Usted puede pagar por correo o Internet. Nosotros podemos permitirle realizar pagos por telefono pero le cobraremos una cuota por realizar pagos urgentes por telefono. Su pago se debe realizar en dolares estadounidenses por medio de un cheque ffsico o electronico, giro postal o instrumento similar de un banco ubicado en los Estados Unidos.
Como Realizar Un Pago. Usted debe seguir las instrucciones para realizar pagos provistas en su estado de cuenta. Si no lo hace, la acreditacion de su pago puede demorarse hasta cinco d^as. Su estado de cuenta tambien explica como la informacion en su cheque se usa.
Asignacion de Pagos. Aplicaremos el pago minimo total requerido a los saldos (balances) en su cuenta usando cualquier metodo que elegimos. Cualquier pago que realice en exceso al pago minimo total requerido se aplicara a saldos (balances) con Tasas de Porcentaje Anual (APRs) mayores antes de saldos (balances) con Tasas de Porcentaje Anual (APRs) menores. La ley vigente puede requerir o permitir que nosotros apliquemos pagos en exceso de una manera distinta en ciertas situaciones, como cuando su cuenta tiene un cierto tipo de promocion especial.
INFORMACION SOBRE USTED
Usando y Compartiendo Su Informacion. Cuando usted solicito una cuenta, usted nos proporciono a nosotros, los proveedores que aceptan la tarjeta y los patrocinadores del programa, informacion sobre usted mismo que podemos compartir entre nosotros. Los proveedores que aceptan la tarjeta y los patrocinadores del programa (y sus empresas afiliadas) utilizaran la informacion en relacion con el programa de credito y para cosas como el crear y actualizar sus registros y ofrecerle beneficios especiales. Mas informacion sobre como usamos y compartimos informacion se estipula en la polftica de privacidad para su cuenta.
Cambio de Direccion/Telefono. Usted declara que todo numero de telefono que nos proporcione le pertenece a usted o que esta autorizado a proporcionarlo. Tambien acepta informarnos de inmediato si cambia su direccion o sus numeros de telefono. Consentimiento a Comunicaciones. Usted nos da su consentimiento, a nosotros y a cualquier otro propietario o encargado de brindar el servicio de su cuenta, para que nos comuniquemos con usted mediante cualquier canal de comunicacion y para cualquier proposito, segun lo permita la ley correspondiente. Para comunicarnos con fines informativos, de prestacion de servicios, de fraude, o de cobro, usted acepta que usemos los numeros de telefono que nos proporciono para comunicarnos con usted mediante mensajes de texto enviados a su telefono celular o dispositivo inalambrico, as^ como mediante llamadas de voz artificial o grabada previamente y a traves de llamadas de un sistema telefonico de marcado automatico. La frecuencia de los mensajes de texto puede variar y pueden ser recurrentes. Este consentimiento se aplica aunque su plan le cobre la llamada. Usted es responsable del pago de todo cargo que le pueda cobrar su proveedor de servicios de comunicacion cuando nos pongamos en contacto con usted. Las tarifas de datos o de mensajes de texto pueden variar. Tanto los proveedores como nosotros no somos responsables por mensajes demorados o no enviados. Si tiene preguntas, por favor llame al numero que se encuentra en el reverso de su tarjeta.
Monitorizacion telefonica. Para fines de control de calidad, usted nos permite escuchar o grabar las llamadas telefonicas entre usted y nosotros.
INFORMACION IMPORTANTE SOBRE SU CUENTA
Cerrando Su Cuenta. Usted puede cerrar su cuenta en cualquier momento enviando una carta a la direccion mostrada en su estado de cuenta o llamando a servicio al cliente. Nosotros podemos cerrar su cuenta en cualquier momento y por cualquier razon. Si su cuenta se cierra, usted debe parar de utilizarla. Usted aun debera pagarnos el monto total que debe y el presente Contrato permanecera vigente hasta que lo haga.
Costos de Cobranza. Si le pedimos a un abogado, quien no es nuestro empleado asalariado, cobrar su cuenta, podemos cobrarle nuestros costos de cobranza. Estos incluyen costos judiciales y honorarios de abogado razonables.
Informes A Las Agencias de Informacion de Credito. Nosotros podemos reportar informacion sobre su cuenta a las agencias de informacion de credito. Los pagos atrasados, pagos faltantes u otros incumplimientos en su cuenta se pueden mostrar en su informe de credito. D^ganos si usted piensa que reportamos informacion incorrecta sobre usted a una agencia de informacion de credito. Escnbanos a Synchrony Bank, P.O. Box 965036, Orlando, FL 32896-5036. D^ganos que informacion es incorrecta y la razon por la cual piensa que es incorrecta. Si tiene una copia del informe de credito que incluye la informacion incorrecta, env^enos una copia del informe.
Incumplimiento. Usted se encuentra en incumplimiento si usted realiza un pago atrasado, no cumple cualquier otro termino o condicion del presente Contrato o se declara en quiebra o se encuentra insolvente. Si se encuentra en incumplimiento o ante su fallecimiento, podremos (a) pedir el pago del monto total adeudado inmediatamente, (b) entablar una accion legal para cobrar todo monto adeudado; y/o (c) tomar cualquier accion permitida por la ley.
Montos Disputados. El resumen de sus derechos de facturacion en la seccion IV del presente Contrato describe lo que debe hacer si piensa que hay un error en su factura. Si nos env^e correspondencia sobre un monto o pago disputado, debe enviarla a la direccion para consultas de facturacion. No renunciamos a ninguno de nuestros derechos si aceptamos un pago que indica “pago en su totalidad” o se proporciona con cualquier otra condicion o limitacion.
Uso No Autorizado. Si su tarjeta se pierde, es robada o se usa sin su consentimiento, llamenos inmediatamente al 866-396-8254. Usted no sera responsable por ningun uso no autorizado en su cuenta pero sera responsable por todo el uso por alguien a quien usted le de su tarjeta o le permita usar su cuenta.
INFORMACION IMPORTANTE SOBRE EL PRESENTE CONTRATO
Cesion. Nosotros podremos vender, ceder o transferir cualquiera o todos de nuestros derechos u obligaciones en virtud del
presente Contrato o su cuenta incluyendo nuestros derechos a pagos. No tenemos que darle aviso previo de dicha accion. Usted no podra vender, ceder ni transferir ninguno de sus derechos u obligaciones en virtud del presente Contrato o su cuenta. Exigibilidad. Si se determina que alguna parte del presente Contrato es nula o inexigible, todas las otras partes del presente Contrato aun aplicaran.
Leyes Vigentes. Con excepcion de lo estipulado en la seccion Resolviendo una Disputa con Arbitraje, el presente Contrato y su cuenta se rigen por la ley federal y, hasta el grado en el que deba aplicarse la ley estatal, las leyes de Utah independientemente de los principios internos de conflicto de leyes. El presente Contrato ha sido aceptado por nosotros en Utah.
Renuncia. Nosotros podemos renunciar algunos de nuestros derechos en virtud del presente Contrato. Si renunciamos a cualquiera de nuestros derechos en una situacion, no renunciamos al mismo derecho en otra situacion.
RESOLVIENDO UNA DISPUTA CON ARBITRAJE
POR FAVOR LEA ESTA SECCION DETENIDAMENTE. SI NO LA RECHAZA, ESTA SECCION SE APLICARA A SU CUENTA, Y LA MAYOR^A DE LAS DISPUTAS ENTRE USTED Y NOSOTROS ESTARA SUJETA A ARBITRAJE INDIVIDUAL. ESTO SIGNIFICA LO SIGUIENTE: (1) NI UN TRIBUNAL NI UN JURADO RESOLVERAN SOBRE CUALQUIER DISPUTA; (2) NO PODRA PARTICIPAR EN UNA ACCION EN GRUPO O PROCEDIMIENTO SIMILAR; (3) ESTARA DISPONIBLE MENOS INFORMACION; Y (4) SE LIMITARAN LOS DERECHOS DE APELACION.
1.	RECLAMOS Y PARTES. Si usted o nosotros presentamos una demanda de arbitraje, usted y nosotros deberemos arbitrar toda disputa o reclamo entre usted (incluyendo cualquier otro usuario de su cuenta), y nosotros (incluyendo nuestros padres, filiales, agentes, empleados, oficiales y cesionarios) si se relaciona directa o indirectamente con su cuenta, su Acuerdo de cuenta o nuestra relacion, con las excepciones que se indican a continuacion. Ademas, distribuidores, comerciantes, minoristas o nuestros cesionarios, agentes o proveedores de servicio que cobran los montos adeudados en su cuenta son beneficiarios de esta seccion de Arbitraje y pueden hacerla cumplir en su totalidad (sin perjuicio de cualquier ley estatal que disponga lo contrario).
2.	Esta seccion de Arbitraje cubre ampliamente los reclamos basados en contratos, agravio, derechos del consumidor, fraude y otros agravios intencionales, negligencia, constitucion, estatuto, regulacion, ordenanza, derecho consuetudinario y equidad, as^ como los reclamos por danos monetarios y medidas cautelares o declarativas, incluso si surgieron antes de que esta seccion entrara en vigor. Usted no puede vender, ceder o transferir un reclamo.
3.	Ejemplos de reclamos sujetos a arbitraje son disputas sobre una transaccion de cuenta, tarifas, cargos o intereses, los eventos que condujeron al Acuerdo (tales como cualquier divulgacion, anuncio, promocion o declaracion oral o escrita, garanrias o representaciones hechas por nosotros), una solicitud o denegacion de credito, cualquier producto o servicio proporcionado por nosotros o por terceros en relacion con el Acuerdo, informes de credito, programas de beneficios relacionados con su cuenta, incluyendo cualquier programa de recompensas, el cobro de montos adeudados por nuestros cesionarios, proveedores de servicios o agentes y la forma de cobro.
4.	Sin embargo, no le pediremos que arbitre ningun caso individual en un tribunal de reclamos menores o en el tribunal equivalente de su estado, siempre y cuando siga siendo un caso individual en ese tribunal. Ademas, incluso si todas las partes han optado por litigar un reclamo en un tribunal, usted o nosotros podemos elegir el arbitraje con respecto a cualquier reclamo hecho por una nueva parte o a cualquier reclamo hecho valer posteriormente por una parte en cualquier demanda relacionada o no relacionada, incluyendo la modificacion de un reclamo individual para hacer valer un reclamo colectivo, representativo o multipartidario. El arbitraje puede solicitarse en cualquier momento, incluso cuando hay una demanda pendiente, a menos que se haya iniciado un juicio o se haya dictado una sentencia definitiva.
5.	Solo un tribunal decidira las disputas sobre la validez, aplicabilidad, cobertura o alcance de esta seccion de Arbitraje o de cualquier parte de la misma. Sin embargo, cualquier disputa que tenga que ver con la validez o aplicabilidad del Acuerdo en su totalidad debera ser decidida por el arbitro.
6.	NO ACCIONES DE GRUPO. SI USTED O NOSOTROS ELEGIMOS ARBITRAR UN RECLAMO, NI USTED NI NOSOTROS TENDREMOS EL DERECHO (A) DE PARTICIPAR EN UNA ACCION DE GRUPO, UNA ACCION GENERAL DEL FISCAL PRIVADO U OTRA ACCION REPRESENTATIVA EN UN TRIBUNAL O EN UN ARBITRAJE, YA SEA COMO REPRESENTANTE DEL GRUPO O COMO MIEMBRO DEL GRUPO, O (B) DE UNIR O CONSOLIDAR RECLAMOS CON RECLAMOS DE CUALQUIER OTRA PERSONA, EXCEPTO DE LOS TITULARES DE CUENTAS EN SU CUENTA. POR CONSIGUIENTE, NO PODRA PRESENTAR UN RECLAMO CONTRA NOSOTROS EN REPRESENTACION DE UN TITULAR DE CUENTA QUE NO SEA.
7.	PROCEDIMIENTOS. La parte que desea arbitrar debe notificar a la otra parte por escrito. Esta notificacion puede entregarse despues del comienzo de una demanda o en los documentos presentados en la demanda. Caso contrario, debe enviar su notificacion a Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320, ATTN: DEMANDA DE ARBITRAJE. La parte que busca el arbitraje debe elegir entre la Asociacion Americana de Arbitraje (AAA, American Arbitration Association), ubicada en 120 Broadway, Floor 21, New York, NY 10271, www.adr.org, o JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com para que sean quienes administren el arbitraje. Si ninguno de los dos administradores puede manejar la disputa, un tribunal con jurisdiccion nombrara un arbitro.
8.	El administrador del arbitraje designara al arbitro e informara a las partes que debe hacerse a continuacion. El arbitro debe ser un abogado con al menos diez anos de experiencia legal. El arbitro debe aplicar la misma ley, de acuerdo con la Ley Federal de Arbitraje (FAA, Federal Arbitration Act), que se aplicaria a una accion individual en un tribunal, pero puede usar reglas procesales diferentes. El arbitro aplicara los mismos estatutos de limitacion y privilegios que un tribunal aplicaria si el asunto estuviera pendiente en el tribunal.
9.	El arbitro puede otorgar cualquier indemnizacion por danos y perjuicios u otro tipo de reparacion o recurso que se aplique en virtud de la ley correspondiente a una accion individual ante un tribunal, incluidos, entre otros, los danos punitivos (regidos por las normas Constitucionales empleadas por los tribunales) y las medidas cautelares, equitativas y declaratorias (pero solo a favor de la parte individual que solicita la reparacion y solo en la medida en que sea necesario para proporcionar la reparacion que garantice la demanda individual de esa parte). Las partes son responsables de los honorarios y gastos de sus abogados, testigos y peritos. Sin embargo, el arbitro tendra la autoridad para adjudicar honorarios y costos de abogados, testigos y peritos en la medida en que lo permitan el Acuerdo, las reglas del
administrador o la ley correspondiente.
10.	El arbitraje se realizara por telefono o en una ubicacion razonablemente conveniente para usted. Si usted lo solicita, nosotros pagaremos todos los honorarios que el administrador o el arbitro cobren si usted no puede obtener una exencion de honorarios del administrador y esta actuando de buena fe. Siempre pagaremos los costos de arbitraje requeridos por las reglas del administrador o que sean necesarios para que esta seccion de Arbitraje se cumpla.
11.	LEGISLACION APLICABLE. Esta seccion de Arbitraje esta regida por la FAA. La ley de Utah se aplicara en la medida en que la ley estatal sea relevante bajo la FAA, a menos que se indique lo contrario en este documento. El fallo del arbitro sera definitivo y vinculante, a excepcion de cualquier derecho de apelacion realizada en conformidad con la FAA. Todo tribunal con jurisdiccion podra fallar sobre el fallo del arbitro. El fallo arbitral y cualquier sentencia que lo confirme se aplicara unicamente al caso especifico y no podra utilizarse en ningun otro caso excepto para ejecutar el fallo.
12.	VIGENCIA. Esta seccion de Arbitraje continuara despues del pago de todas los montos, la terminacion, cancelacion o suspension del Acuerdo o de sus privilegios de cuenta o de credito, cualquier procedimiento legal y cualquier quiebra que usted realice, en la medida en que sea compatible con la ley de quiebras correspondiente. Si esta seccion de Arbitraje entra en conflicto con las reglas de arbitraje aplicables o con las demas clausulas del Acuerdo, prevalecera esta seccion de Arbitraje.
13.	DIVISIBILIDAD. Si alguna parte de esta seccion de Arbitraje se considera invalida o no ejecutable, las partes restantes permaneceran en vigor con las dos excepciones siguientes. En primer lugar, si se determina que la clausula de “No Acciones de Grupo” no es ejecutable, y esa determinacion no se revoca en apelacion, entonces esta seccion de Arbitraje sera nula en su totalidad. En segundo lugar, si un tribunal determina que un reclamo de medidas cautelares publicas puede proceder a pesar de la clausula de “No Acciones de Grupo,” y esa determinacion no se revoca en la apelacion, entonces el reclamo de medidas cautelares publicas sera decidido por un tribunal, y cualquier reclamo individual sera arbitrado. Las partes solicitaran al tribunal que suspenda la demanda de medidas cautelares publicas hasta que los otros reclamos hayan concluido definitivamente.
14.	COMO RECHAZAR EL ARBITRAJE. Usted puede rechazar esta seccion de Arbitraje. Si lo hace, un tribunal resolvera cualquier disputa o reclamo. Para rechazar esta seccion, debe enviarnos una notificacion dentro de los 45 d^as despues de abrir su cuenta o de que le informemos por primera vez sobre su derecho de rechazar esta seccion. La notificacion debera incluir su nombre, direccion, numero de cuenta y firma, y debera enviarse por correo a Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. Esta es la unica forma en que puede rechazar esta seccion. El rechazo de esta seccion de Arbitraje no afectara a ninguna otra clausula del Acuerdo. Tampoco afectara a ningun acuerdo de arbitraje previo o clausula de resolucion de disputas entre usted y nosotros, que permanecera en pleno vigor y efecto. Si usted no rechaza esta seccion de Arbitraje, sera efectiva a partir de la fecha del Acuerdo y reemplazara cualquier acuerdo de arbitraje previo entre usted y nosotros que de otra manera seria aplicable.
SECCION IV: OTRA INFORMACION IMPORTANTE
AVISO PARA LOS MIEMBROS ACTIVOS DEL SERVICIO MILITAR Y SUS DEPENDIENTES: Las siguientes divulgaciones se aplican a usted si, al momento en que se abre su cuenta, usted es un “prestatario protegido” segun lo define la Ley de Prestamos para Militares, que incluye a miembros en servicio activo elegibles de las Fuerzas Armadas y sus dependientes:
1.	La clausula en el Acuerdo llamada “Resolucion de una Disputa mediante Arbitraje” no se aplicara a su cuenta.
2.	La ley federal proporciona protecciones importantes a los miembros de las Fuerzas Armadas y sus dependientes en relacion con extensiones de credito al consumidor. En general, el costo del credito al consumidor para un miembro de las Fuerzas Armadas y sus dependientes no puede exceder la Tasa de Porcentaje Anual del 36 por ciento. Esta tasa debe incluir, segun corresponda en la transaccion del credito o de la cuenta: los costos relacionados con las primas del seguro de credito; las tarifas para productos auxiliares vendidos en relacion con la transaccion de credito; cualquier tarifa de solicitud cobrada (aparte de ciertas tarifas de solicitud para transacciones o cuentas de credito especificas); y cualquier tarifa de participacion cobrada (aparte de ciertas tarifas de participacion para una cuenta de tarjeta de credito).
3.	Puede llamar al 1-855-367-4541 para escuchar la informacion del punto 2 (arriba) y una descripcion de la obligacion de pago para su cuenta.
AVISOS ESTATALES
RESIDENTES DE CALIFORNIA: Si es casado, usted puede solicitar una cuenta separada.
RESIDENTES DE NEW JERSEY: Ciertas disposiciones del presente Contrato estan sujetas a la ley vigente. Como resultado, algunas pueden ser nulas, inexigibles o inaplicables en algunas jurisdicciones. No obstante, ninguna de estas disposiciones sera nula, inexigible, o inaplicable en New Jersey.
RESIDENTES DE OHIO: Las leyes de Ohio contra la discriminacion requieren que todos los acreedores sean equitativos en el otorgamiento de credito a todos los clientes solventes y que las agencias de informacion de credito mantengan historiales de credito independientes para cada persona, cuando se les solicite. La comision de derechos civiles de Ohio es la encargada de que se cumpla con esta ley.
RESIDENTES DE TENNESSEE: Este Contrato no entrara en vigencia a menos y hasta que hayamos (1) provisto las declaraciones requeridas de acuerdo con la Ley De Veracidad En Los Prestamos, (2) usted o un usuario autorizado use la cuenta y (3) le extendamos credito a usted para esa transaccion en su cuenta.
RESIDENTES DE WISCONSIN: Ninguna disposicion de un contrato de bienes matrimoniales, declaracion unilateral en virtud de la Seccion 766.59, Estatutos de Wisconsin, o decreto judicial en virtud de la Seccion 766.70, Estatutos de Wisconsin, afectara adversamente el interes del acreedor, a menos que a este, antes de la fecha de otorgamiento del credito, se le entregue una copia del contrato, declaracion o decreto o tenga conocimiento fehaciente de la disposicion adversa al momento en que se incurre en la obligacion al acreedor. Los residentes casados de Wisconsin que soliciten una cuenta individual deberan proporcionarnos el nombre y la direccion de su conyuge si el conyuge tambien es residente de Wisconsin, independientemente de si este podra utilizar la tarjeta. Por favor proporcionenos esta informacion a P.O. Box 968033, Orlando, FL 32896-5033.
Su firma en la solicitud o en el recibo de venta (o pantalla por Internet) por la compra inicial aprobada en esta cuenta representa su firma en este Contrato. Esta se incorpora aqui' por referencia.
Hemos firmado el presente Contrato como sigue:
Margaret Keane
Presidente y Directora Ejecutiva
Synchrony Bank
Toda comunicacion posterior puede no estar disponible en espanol.
RESUMEN DE SUS DERECHOS DE FACTURACION
Sus Derechos de Facturacion: Guarde este Documento para Uso Futuro
Este aviso le informa sobre sus derechos y nuestras responsabilidades en virtud de la Ley de Facturacion Imparcial de Credito (Fair Credit Billing Act).
Que Debe Hacer Si Encuentra Un Error En Su Estado de Cuenta
Si usted piensa que existe un error en su estado de cuenta, escrbanos a:
Synchrony Bank
P.O. Box 965035
Orlando, FL 32896-5035
En su carta, proporcionenos la siguiente informacion:
•	Information de cuenta: Su nombre y numero de cuenta.
•	Monto en dolares: El monto en dolares del supuesto error.
•	Descripcion del problema: Si usted piensa que existe un error en su factura, describa que usted cree es incorrecto y la razon por la cual cree que existe un error.
Debe comunicarse con nosotros:
•	Dentro de 60 d^as despues de que el error aparecio en su estado de cuenta.
•	Al menos 3 d^as habiles antes de que un pago automatizado sea programado, si usted desea cesar el pago en el monto que usted piensa es incorrecto.
Debe notificarnos de cualquier posible error por escrito. Puede llamarnos, pero si lo hace no se nos requiere investigar cualquier posible error y pueda tener que pagar el monto en cuestion.
Que Ocurrira Despues De Que Recibamos Su Carta
Cuando recibamos su carta, debemos hacer dos cosas:
1.	Dentro de 30 d^as de recibir su carta, debemos informarle que recibimos su carta. Tambien le informaremos si ya hemos corregido el error.
2.	Dentro de 90 d^as de recibir su carta, debemos corregir el error o explicarle la razon por la cual creemos que el estado de cuenta es correcto.
Mientras investigamos si ha habido un error o no:
•	No podremos intentar a cobrarle el monto en cuestion, o informarlo como moroso en ese monto.
•	El cargo en cuestion puede permanecer en su estado de cuenta, y podemos continuar cobrandole interes en ese monto.
•	Aunque no tiene que pagar el monto en cuestion, usted es responsable por el resto de su saldo (balance).
•	Podemos aplicar cualquier monto impago contra su limite de credito.
Despues de que terminemos nuestra investigacion, una de dos cosas ocurrira:
•	Si cometimos un error: Usted no tendra que pagar el monto en cuestion ni ningun interes u otro cargo/cuota relacionado con ese monto.
•	Si no creemos que hubo un error: Usted tendra que pagar el monto en cuestion, junto con el interes y cargos/cuotas aplicables. Le enviaremos un estado de cuenta del monto que debe y la fecha en la que el pago vence. Entonces podemos informarlo como moroso si no paga el monto que creemos que debe.
Si recibe nuestra explicacion pero aun cree que su factura es incorrecta, debe escribirnos dentro de 10 d^as informandonos que aun rehusa pagar. Si lo hace, no podremos informarlo como moroso sin tambien informar que esta cuestionando su factura. Tendremos que comentarle a usted el nombre de cualquier persona a quien le hayamos informado de su estado de mora y debemos informarles a esas organizaciones cuando el asunto se haya resuelto entre nosotros.
Si no cumplimos con todas estas reglas, no tendra que pagar los primeros $50 del monto cuestionado, incluso si su factura es correcta.
Sus Derechos Si No Esta Satisfecho Con Sus Compras Con Tarjeta de Credito
Si no esta satisfecho con los bienes o servicios que compro con su tarjeta de credito, y de buena fe ha tratado de corregir el problema con el comerciante, usted puede tener el derecho a no pagar el resto del monto adeudado en la compra.
Para utilizar este derecho, todo lo siguiente debe ser veridico:
1.	La compra debe haberse realizado en su estado de residencia o dentro de 100 millas de su direccion postal actual, y el precio de compra debe haber sido mas de $50. (Tome en cuenta: Ninguno de estos es necesario si su compra fue basada
en un anuncio que le enviamos por correo, o si la empresa que le vendio los bienes o servicios nos pertenece.)
2.	Debe haber utilizado su tarjeta de credito para la compra. Las compras realizadas con adelantos en efectivo de un cajero automatico o con un cheque que accede a su cuenta de tarjeta de credito no califican.
3.	Debe no haber pagado la compra en su totalidad.
Si todo el criterio arriba se cumple y aun no esta satisfecho con la compra, comuniquese con nosotros por escrito a:
Synchrony Bank
P.O. Box 965035
Orlando, FL 32896-5035
Mientras investigamos, las mismas reglas aplican al monto disputado como estipulado arriba. Despues de que terminemos nuestra investigacion, le informaremos sobre nuestra decision. En ese momento, si pensamos que debe un monto y no lo paga, podremos informarlo como moroso.
POLITICA DE CONFIDENCIALIDAD
Rev. 3/17
HECHOS	oQUE HACE SYNCHRONY BANK CON SU INFORMACION PERSONAL?
oPor que?	Las companias financieras eligen de que manera compartir su informacion personal. La legislacion federal les otorga a los consumidores el derecho a limitar en parte la informacion que se comparte, pero no toda. La legislacion federal tambien nos exige que le informemos de que manera recopilamos, compartimos y protegemos su informacion personal. Lea esta notificacion atentamente para comprender que hacemos.
oQue?	Los tipos de informacion personal que recopilamos y compartimos dependen del producto o servicio que usted tiene con nosotros. Esta informacion puede incluir lo siguiente: ■	Numero de Seguro Social e ingresos ■	Historial de pagos y saldos de cuenta ■	Historial de credito y calificaciones crediticias
jComo?	Todas las companias financieras necesitan compartir la informacion personal de los clientes para realizar sus actividades comerciales diarias. En la siguiente seccion, enumeramos las razones por las que las companies financieras pueden compartir la informacion personal de sus clientes; las razones de Synchrony Bank para compartirla; y si usted puede limitar la informacion compartida.
Motivos por los que podemos compartir su informacion personal	^Synchrony Bank comparte informacion?	oPuede usted limitar la informacion que Synchrony Bank comparte?
Para los propositos de nuestras actividades comerciales diarias: tales como procesar sus transacciones, mantener sus cuentas, responder a ordenes judiciales e investigaciones legales, o informar a las agencias crediticias	Si	No
Para nuestros propositos de comercializacion: para ofrecerle a usted nuestros productos y servicios	Si	No
Para comercializacion conjunta con otras companias financieras	Si	No
Para los propositos de las actividades comerciales diarias de nuestras filiales: informacion sobre sus transacciones y experiencias	Si	No
Para los propositos de las actividades comerciales diarias de nuestras filiales: informacion sobre su capacidad crediticia	Si	Si
Para que nuestras filiales comercialicen con usted	Si	Si
Para que las companias no afiliadas comercialicen con usted	Si	Si*
Para limitar la informacion compartida	■ Llame al 1-877-905-2097—nuestro menu le dara instrucciones sobre su(s) opcion(es) Por favor tenga en cuenta: Si usted es un cliente nuevo, podemos comenzar a compartir su informacion 30 dias despues de la fecha en la que le enviamos este aviso o antes si esta de acuerdo o bien si el tipo de informacion no le da derecho a limitar que la compartamos. Cuando usted deja de ser nuestro cliente, seguimos compartiendo su informacion, segun se describe en este aviso. Sin embargo, usted puede ponerse en contacto con nosotros en cualquier momento para limitar la informacion compartida.
oPreguntas?	Llame al 1-877-905-2097
	
Que hacemos	
oComo protege Synchrony Bank mi informacion personal?	Para proteger su informacion personal de usos y accesos no autorizados, utilizamos medidas de seguridad que cumplen con la legislacion federal. Estas medidas incluyen protecciones informaticas y de archivos y edificios seguros.
jComo recopila Synchrony Bank mi informacion personal?	Recopilamos su informacion personal, por ejemplo, cuando usted ■	abre una cuenta o nos proporciona su informacion de contacto ■	proporciona informacion de la cuenta o paga sus facturas ■	usa su tarjeta de credito Tambien recopilamos su informacion personal a traves de terceros, como agencias crediticias, filiales u otras compafflas.
oPor que no puedo limitar toda la informacion que se comparte?	La legislacion federal le otorga el derecho de limitar solo lo siguiente ■	la informacion que se comparte para los propositos de las actividades comerciales diarias de las filiales: informacion sobre su solvencia ■	que las filiales usen su informacion para comercializar con usted ■	la informacion que se comparte para que las compafflas no afiliadas comercialicen con usted Es posible que las leyes estatales y las compafflas individuales le otorguen otros derechos para limitar la informacion compartida. Vea a continuacion para obtener mas informacion sobre sus derechos segun la ley estatal.
oQue sucede cuando limito la informacion que se comparte para una cuenta que tengo en forma conjunta con otra persona?	Sus opciones se aplicaran para cualquiera en su cuenta.
Definiciones	
Filiales	Compafflas relacionadas por control comun o condominio. Pueden ser compafflas financieras o no financieras. ■ Nuestras filiales incluyen compaa^as financieras, como Synchrony Financial y sus subsidiarias, incluidas Retail Finance Credit Services, LLC y CareCredit LLC.
No afiliadas	Compafflas no relacionadas por control comun o condominio. Pueden ser compafflas financieras o no financieras. ■ Las companas no afiliadas con las que compartimos informacion pueden incluir el minorista nombrado en su cuenta y companas de mercadeo directo.
Comercializacion conjunta	Un acuerdo formal entre compafflas financieras no filiales que conjuntamente comercializan servicios o productos financieros con usted. ■ Nuestros asociados comerciales conjuntos incluyen a companas de seguro.
Otra informacion importante
Si su cuenta tiene direccion de facturacion en Vermont o California, se considerara que usted ha elegido limitar que compartamos informacion con compafflas filiales y no afiliadas. Si su cuenta tiene direccion de facturacion en California, no compartiremos informacion con otras compafflas financieras con fines de comercializacion conjunta. Si su cuenta ya no tiene direccion en Vermont o California, estas reglas especiales no se aplicaran y debera notificarnos en caso de que quiera hacer uso de su derecho a limitar la informacion que compartimos con compafflas filiales y no afiliadas.
*Por favor tenga en cuenta que, segun lo permita la ley, si usted decide limitar la informacion que compartimos con coaipaaias no afiliadas, su decision no nos prohibira compartir su informacion con los distribuidores/comerciantes/minoristas/contratistas/proveedores (y sus afiliados y patrocinadores del programa) que acepten la tarjeta de credito en relacion con el mantenimiento y el servicio del programa de credito del consumidor identificado en su acuerdo de la tarjeta de credito o en la tarjeta de credito, incluyendo la mercadotecnia de tal programa.
La notificacion anterior se aplica solamente a la cuenta de la tarjeta de credito del consumidor con Synchrony Bank, como se identifica en el contrato de la tarjeta de credito o en la tarjeta de credito y no se aplica a ninguna otra cuenta que pueda tener con nosotros. Reemplaza los avisos de las notificaciones privadas anteriores que se le enviaron. Podemos cambiar nuestra polrtica de privacidad en cualquier momento y se lo comunicaremos en caso de hacerlo si lo requiere la legislacion aplicable, o segun esta lo requiera.
Para obtener informacion util sobre el robo de identidad, visite el sitio web de la Federal Trade Commission (FTC, Comision del Comercio Federal) en la siguiente direccion https://www.identitytheft.gov/ .