Types Of Credit Promotions That May Be Available

Types Of Credit Promotions That May Be Available

One or more of these credit promotions may be available on qualifying purchases made with your Synchrony Bank credit card account. Check with your merchant for the specific promotion offered for your purchase.

NO INTEREST IF PAID IN FULL WITHIN PROMOTIONAL PERIOD (Deferred Interest) The length of the promotional period will depend on the specific promotion offered by merchant. Interest at the rate of 26.99% will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. To avoid late fees, you must make your Total Minimum Monthly Payments by the due date each month. These Minimum Monthly Payments may or may not pay off the promotional purchase before the end of the promotional period. To make sure that you are not charged the interest accrued at 26.99% you must pay the total promotional purchase amount within the promotional period.

OR

INTEREST FREE AND EQUAL MONTHLY PAYMENTS REQUIRED UNTIL PAID IN FULL (No Interest) An equal monthly payment amount will be required based on repayment over the term (number of months) of the promotional period.

OR

REDUCED INTEREST RATE AND FIXED MONTHLY PAYMENTS REQUIRED UNTIL PAID IN FULL (Reduced Interest) The reduced interest rate will depend on the specific promotion offered by merchant. A fixed monthly payment amount will be required based on repayment over the terms (number of months) of the promotional period.

For additional details on how these promotional options work, please see page 4.

Steps To Apply For A Synchrony Bank Credit Card Step 1 Please follow these guidelines when completing your application:

P lease have available two forms of ID that can be verified. If using a joint applicant, the joint applicant must be present and also provide two forms of ID.

P lease include all forms of income from all full and part-time jobs, bonuses, commissions, and investments. You need only include child support, alimony, or separate maintenance income if you wish this income to be considered in your application.

Please note that you must reside in the United States and be 18 years of age or older to apply.

Step 2 Please complete the application

Credit is extended by Synchrony Bank.

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Home Improvement Consumer Credit Application

6037

Please note that you must reside in the United States and be 18 years or older to apply.

APPLICATION MUST BE SIGNED.

Please print in CAPITAL LETTERS and avoid contact with the lines: S M I T H

Synchrony Bank

REVOLVING PHONE: 1-888-222-2176

NOTICE FROM THE MERCHANT TAKING YOUR APPLICATION FOR CREDIT ("MERCHANT"): This is an application for a credit card account issued by Synchrony Bank ("SYNCB"). If this application is not approved by SYNCB, you agree that the Merchant may provide all your information from this application to another lender or lenders (or their service providers) identified by the Merchant who may offer you credit. You authorize any such lenders (or their service providers) to make inquiries they consider necessary (including requesting reports from consumer reporting agencies and other sources) in evaluating your request for credit. The rates, fees, and other credit terms provided with this application apply only to the credit card account issued by SYNCB. Other credit products may have different rates, fees, and terms.

Applicant

First Name

M. Initial Last Name

Mailing Address

City

--

Social Security Number/Individual Tax Identification Number

APT #

State

ZIP

Birth Date

/

/

Month

Day

Year

If the above address is a P.O. Box, you must provide a street address for yourself or a contact person

City

State

ZIP

Do You: ( One)

Own

Rent

Other

--

Home Phone*

-

-

Cell / Other Phone* Where We May Call You

-

-

Business/Work Phone*

$

,

Monthly Net Income From All Sources

Email Address (optional)* *You authorize Synchrony Bank ("SYNCB") to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive account updates and information, including text messages, from SYNCB & the merchants that accept the Card. Standard text messaging rates may apply. Alimony, child support or separate maintenance income need not be included unless relied upon for credit. You may include the monthly amount that you have available to spend from your assets. Married Wisconsin Residents only: If you are applying for an individual account & your spouse also is a WI resident, combine your & your spouse's financial information.

Joint Applicant

An additional card will be issued to the person indicated below. The applicant (and joint applicant, if any) will be liable for all transactions made on the account including those made by an authorized user. JOINT APPLICANT: You agree that we may send notices to you and/or applicant at the applicant's address, regardless of whether you live at that address.

First Name Mailing Address

M. Initial Last Name

APT #

Do You: ( One)

Own

Rent

Other

City

-

-

State

ZIP

Birth Date

/

/

--

Home Phone / Other Phone* Where We May Call You

Month

Day

Year

Social Security Number/Individual Tax Identification Number

-

-

$

,

Business/Work Phone*

Monthly Net Income From All Sources

Applicant/Joint Applicant Signatures

By applying for this account, I am asking Synchrony Bank ("SYNCB") to issue me a SYNCB Credit Card (the "Card"), and I agree that:

I am providing the information in this application to SYNCB and the merchants that accept the Card and program sponsors (and their respective affiliates).

I also provide my consent to SYNCB to provide information about me (even if my application is declined) to merchants that accept the Card and program

sponsors (and their respective affiliates) so that they can create and update their records, and provide me with service and special offers. SYNCB may

obtain information, including employment and income information, from others about me (including requesting reports from consumer reporting agencies

and other sources) to evaluate my application, and to review, maintain or collect my account. I consent to SYNCB, and any other owner or servicer of my

account, contacting me about my account, including through text messages, automatic telephone dialing systems and/or artificial or prerecorded voice calls

for informational, servicing or collection related communications, as provided in the Address/Phone Change and Consent To Communications provisions of

the SYNCB Credit Card agreement ("Agreement"). I also agree to update my contact information. I have received, read and agree to the credit terms and

other disclosures in this application, and I understand that if my application is approved, the Agreement will be sent to me and will govern my account.

Among other things, the Agreement: (1) includes a resolving a dispute with arbitration provision that limits my rights unless I reject the provision

by following the provision's instructions; and (2) makes each applicant responsible for paying the entire amount of the credit extended. Federal law

requires Synchrony Bank to obtain, verify and record information that identifies applicants when opening an account. SYNCB will use applicants'

name, address, date of birth, and other information for this purpose. If you apply with a Joint Applicant, each of you will be jointly and individually

responsible for obligations under the Agreement and by signing below, you each agree that you intend to apply for joint credit.

PLEASE SEE THE ATTACHED CREDIT CARD AGREEMENT FOR RATES, FEES & OTHER COST INFORMATION.

Applicant Signature X Merchant

Date

Joint Applicant Signature (If applicable)

X

Date

/

/

Applicant's Primary ID (Type, Issuing State) Exp. / Secondary ID ( Type and Issuer) Exp. Joint Applicant's Primary ID (Type, Issuing State) Exp. / Secondary ID (Type and Issuer) Exp.

Account #

5348123080008828

Merchant #

Estimated Sales Amount

$

,

202-037-00 (06/2017) HI 30467AB

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Simple. Convenient. Valuable. Flexible.

Simple

? Buy what you want plus get the flexibility and value you need with one of

Synchrony Bank's credit cards. ? Open an account and use your new credit card today, and enjoy dependable

financing for future purchases.*

Convenient

? Fast and easy application process. ? Apply now, get a quick response, and if approved use your account

to make a purchase today.

Valuable

? Special promotional financing* is available to consumers every day. Ask your store

associate about available offers. ? Plus exclusive offers?receive special cardholder discounts, and advance notice of sale events.

What's Next?

? Use your account information to manage your account or make additional purchases before you receive your actual card. ? In 7-10 days you will receive your new card in the mail. You can use your card to make additional purchases up to your available credit limit.

Flexible

? Monthly payment options are available. You could make the required monthly payment or pay your full account balance. ? 24/7 access to your account at . Check your available balance, amount due and due dates. View your statement anytime, anywhere when enrolled in eBill, and set up scheduled payments or make same-day online payments.

* Subject to credit approval. Minimum monthly payments required. See store or online for details.

Credit is extended by Synchrony Bank. ?2017 Synchrony Financial. All Rights Reserved.

eBill + ePay = easy

Sign up at or call 1.866.396.8254. View your account and pay your bill online.

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What is a Revolving Credit Card? A credit card with a designated credit limit that can be used over and over to make purchases at any location where the card is accepted. What are credit promotions: (aka "special promotional financing")? There are numerous types of special promotional financing offers that may apply to specific transactions. Not all of these types are available at every merchant who accepts the card, or for all purchases within a merchant location. Please refer to the advertising or offer disclosures provided to you at the point of sale for further information about special promotional financing offer(s) that may be available for a particular purchase. The terms of your credit card account agreement apply to any purchase; however, any different terms for special promotional financing offers will be explained on advertising or other disclosures provided to you.

How Special Promotional Financing Offers Work

Note: For illustrative purposes, the information below assumes that the purchase is subject to the Special Promotional Financing Offer and is the only balance on your account during the promotional period.

Special Promotional Financing Offers DEFERRED INTEREST (No interest if paid in full within promotional period)**

NO INTEREST (Equal Payments)**

REDUCED INTEREST RATE (Fixed Payments)**

How are my monthly payments calculated?

How long will it What is the Interest Rate and will take to pay off it change? my purchase?

How do I avoid paying interest or minimize the interest paid?

? M inimum monthly payments, based on a percentage of your account balance or a minimum amount, are required in accordance with the standard account terms.

? It is very important to note that the required minimum monthly payments may or may not pay off your purchase by the end of the promotional period.

? If you want to ensure that your purchase is paid before the end of the promotional period (to avoid interest), you should schedule additional or larger payments accordingly.

? There will be information on your billing statement about how long it will take to pay off your account if you only make minimum payments.

? Interest will be charged to your account from the purchase date if the promotional purchase balance is not paid in full within the promotional period.

? Although interest will accrue at the standard rate applicable to your account, it will only be assessed and added to your account as a lump sum at the end of the promotional period if the promotional purchase balance is not paid in full by the expiration date shown on your statement.

? To avoid paying interest, be sure to pay your promotional purchase balance by the expiration date.

? Pay your promotional balance in full before the end of the promotional period to avoid interest.

? If you do not make a payment on time, you will be charged a late fee (see terms for details).

? The same equal payment amount is required monthly.

? The amount of the equal payment is calculated by dividing the purchase amount by the number of months in the promotional period.

? If payments are made on time, the purchase will be paid off by the end of the promotional period.

? No interest will be charged on the promotional purchase.

? You do not have to pay interest on this type of promotion.

? If you do not make a payment on time, you will be charged a late fee (see terms for details).

? The same fixed payment amount is required monthly.

? The payment amount is calculated based on the amount of your purchase, taking into account the interest rate that applies to the purchase and the length of the promotional period.

? If payments are made on time, the purchase will be paid off at the end of the promotional period.

? The interest rate for the promotional purchase is specified in the advertising and will not change.

? Interest is charged from the purchase date and cannot be avoided.

? If you do not make a payment on time, you will be charged a late fee (see terms for details).

**See the attached Rates and Fees Table for the Annual Percentage Rate and Minimum Interest Charge that apply to the account.

IMPORTANT INFORMATION ABOUT PRE-APPROVED OFFERS

Please read the following disclosure if you have received a pre-approval for a credit card.

If I have been pre-approved, I request that you open the type of account for which I was pre-approved. I have read the Prescreen Disclosures, credit terms and other disclosures on the next pages and have been provided my credit limit applicable to the account. Synchrony Bank ("SYNCB") reserves the right to refuse to open an account in my name if SYNCB determines that I no longer meet SYNCB's credit criteria or if I do not have sufficient income.

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.

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SYNCHRONY BANK KEEP FOR YOUR RECORDS SECTION I: RATES AND FEES TABLE CREDIT CARD ACCOUNT AGREEMENT

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 .

Fees Transaction Fees

? Activation Penalty Fees

? Late Payment

$29 (one-time fee charged at time first purchase posts to account) Up to $38

How We Will Calculate Your Balance: We use a method called "daily balance". See your credit card account agreement 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 June 20, 2017. 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.

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