Synchrony Financial

“…ATE 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,…”

“…OTHER DISCOVERY IS GENERALLY MORE LIMITED IN ARBITRATION THAN IN COURT PROCEEDINGS; 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,…”

“…EEN 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…”

“…EEN 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) THE ABILITY TO OBTAIN DOCUMENTS, WITNESS STATEMENTS AND OTHER DISCOVERY IS GENERALLY MORE LIMITED IN ARBITRATION TH…”

“…BE SUBJECT TO INDIVIDUAL ARBITRATION AS SET FORTH BELOW. 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. l What claims are subject to arbitration…”

“…be returned, minus the amount needed to pay off any: a. existing non-promotional balance on the Secured Card features, b. expiring (within 2 months) deferred interest promotional balances and required payment due on an Equal Monthly Payments balance, and c. remaining minimum payment due on the account if not covere…”

“…ing or other disclosures provided to you for the full terms of any promotional offer. Offers may be subject to credit approval. PROMOTIONAL FINANCING DEFERRED INTEREST PURCHASES No Interest if Paid in Full For each deferred interest purchase, if the deferred interest purchase balance is not paid in full within the p…”

“…romotional advertising or other disclosures provided to you for the full terms of any special promotion offered. For additional information about how deferred interest financing promotions work, please visit mysynchrony.com/deferred-interest. SECTION III: STANDARD PROVISIONS TECHRON ADVANTAGE CREDIT CARD ACCOUNT AGR…”

“…YNCHRONY BANK CREDIT CARD ACCOUNT AGREEMENT PRICING INFORMATION Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 34.99% Penalty APR and When It 39.99% Applies This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: If your APRs are…”

“…Percentage The APR for purchases is the prime rate plus 26.49%. Rate (APR) for Purchases This APR will vary with the market based on the Prime Rate. Penalty APR and When It The Penalty APR for all transactions is the prime rate plus 36.49%. Applies This APR will vary with the market based on the Prime Rate.*…”

“…ime Rate. APR for Cash Advances The APR for cash advances is the prime rate plus 27.49%. This APR will vary with the market based on the Prime Rate.* Penalty APR and When It The Penalty APR for all transactions is the prime rate plus 36.49%. Applies This APR will vary with the market based on the Prime Rate.*…”

“…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 with…”

“…arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded. 15. HOW TO REJECT ARBITRATION. You may reject this Arbitration section, but only as set forth in this paragraph. If you do that, a court will resolve any dispute or claim. To r…”

“…e arbitrator s decision 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. l How to reject this section You may reject this Arbitration section of your Agreement. If you do that, only a court may be used to resolve any dispute or claim. To…”