The

is issued by

("

"). The SYNCB Privacy Policy governs the use of the

and is different than the privacy policy of the business that accepts this

.

Please Read Before Applying
Important information about rates, fees, and other cost information, consent to electronic communication, billing rights and privacy policy.

Initial Purchase Amount if Known ?

* Required Field

First Name*

Middle

Last Name*

Suffix

Mailing Address*

Apt #

Zip Code*

City*

State*

Primary Phone Number* ^‡

Type*

Additional Phone Number^‡

Type

Email Address *^‡

Confirm Email Address *^‡

‡ You authorize Synchrony Bank 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 the dealers/merchants/retailers that accept the Card and Synchrony Bank. Standard text messaging rates may apply.

Social Security Number/ITIN* ?

Date of Birth* MM/DD/YYYY

Housing Information*

Monthly Net Income From All Sources* †

† 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.

Do you have a Joint Applicant? Yes No Check Yes only if applying jointly for credit.

Joint Applicant Information

Joint Applicant Information - 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 any authorized user.
JOINT APPLICANT: you agree that we may send notices to you and/or at the applicant's address, regardless of whether you live at that address. Your providing your name below represents your signature to the application and agreement to all of the terms in this application.

First Name*

Middle

Last Name*

Suffix

Mailing Address*

Apt #

Zip Code*

City*

State*

Primary Phone Number*^‡

Type*

Additional Phone Number^‡

Type

Email Address*^‡

Confirm Email Address*^‡

‡ You authorize Synchrony Bank 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 the dealers/merchants/retailers that accept the Card and Synchrony Bank. Standard text messaging rates may apply.

Social Security Number/ITIN* ?

Date of Birth* MM/DD/YYYY

Housing Information*

Monthly Net Income From All Sources* †

† 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.

Choose a Statement Delivery Method *

Enroll in paperless statements with a single click

I want Electronic Statements

You will receive a monthly email notifying you when you can view your billing statement online. You can review your new electronic statement by logging in to the service site and clicking on the
"View Statement" link.

I want Paper Statements

A monthly statement will be printed and mailed to the address provided for the primary applicant above.
Email will not be sent.

Optional Card Security Enrollment Selection

Optional Card Security in the event of the unexpected

I want to learn more about this product

I do not wish to enroll

With the optional Card Security program, your account balance up to $10,000 may be cancelled.

What it does:

Cancels your minimum monthly payment—or entire balance up to $10,000—if certain events occur.

What qualifies as an event:

• Unemployment	• Leave of absence	• Disability
• Hospitalization	• Nursing home stay	• Loss of Life

What it costs:

$1.66 per $100 of the ending monthly balance on your account. For example, if your balance was $500, the cost would be $8.30 that month. See Card Security Debt Cancellation Program Agreement for complete details.

What it provides: Peace of mind.

If I choose to purchase Card Security, I understand there are eligibility requirements, conditions, and exclusions that could limit my right to receive benefits including:

All events must begin after I enroll in the program
I am eligible for benefits due to job loss or leave of absence only if those events occur after I have been enrolled for 30 days
Full-time job - I must have a full-time, year-round job to qualify for balance cancellation in the event of a job loss or leave of absence

You are eligible to have your entire statement balance cancelled, up to $10,000, if you have a full-time year-round job (and are not self-employed) and you lose your job or take an unpaid employer approved leave of absence.

For example, let's imagine you get laid off from your full-time job and have a balance of $1,000 on your credit card at the time you were laid off. After you were unemployed for 90 days, your whole $1,000 balance would be cancelled.

Part-time/Seasonal/Self-Employed - I am eligible for the cancellation of up to six minimum monthly payments

If you are self-employed, work part-time, or are employed seasonally, you will be eligible to have up to 6 of your minimum monthly payments cancelled if you lose your job or take an unpaid employer approved leave of absence.

For example, let's imagine you owned a restaurant (self-employed) but were forced to close it and are now out of work. You purchased Card Security four months ago when you opened your credit card account. In this instance, your minimum monthly payment would be cancelled for up to 6 months if you remained unemployed. Because you were self-employed, you would not be eligible to have your full statement balance cancelled for the unemployment or leave of absence benefits.

Carefully read the agreement for a full explanation of the terms.
Read all of our Frequently Asked Questions here.

I also understand that if I purchase Card Security:

SYNCB will bill my credit card account immediately a monthly fee of $1.66 per $100 of the ending monthly balance on my account statement
This fee will appear on my statement every month and will be charged even if I pay the statement balance in full
I understand that Card Security is optional, and whether or not I purchase the product will not affect my application for credit or my credit terms
I may cancel at any time
Residents of MS are not eligible

Card Security Debt Cancellation Program Agreement

This document contains IMPORTANT INFORMATION about how to qualify for a benefit and why you may not receive a benefit.

DEFINITIONS

Agreement means this Card Security Debt Cancellation Program Agreement.
We, Us or Our means Synchrony Bank.
Account means your credit card account provided by Us.
You, or Your means either the primary account holder, the first name that appears on Your monthly Account statement or joint account holder, the second name that appears on Your Account statement. For the purpose of determining a Covered Event only, You or Your also includes authorized users on the Account. Authorized users may not request Benefits or cancel this Agreement.
Credit Card Agreement means Your credit card agreement for Your Account.
Program means the Card Security Debt Cancellation Program.
Covered Event means job loss, disability, leave of absence, hospitalization, nursing home care, terminal illness or loss of life as defined in section 3.
Effective Date is the date Your coverage begins. The Effective Date for primary account holders is on the cover letter with this Agreement. The Effective Date for joint account holders and authorized users is the later of (1) the date on cover letter with this Agreement or (2) the date the joint account holder or authorized user is added to the Account.
Benefit means We cancel Your obligation to pay Us certain amounts You owe on Your Account.
Benefit Start Date means the first day that Your Covered Event begins.

1. IMPORTANT INFORMATION

Optional Program	Your purchase of this Program is optional. You may cancel at any time. Whether or not you purchase this Program will not affect Your credit terms of any existing Credit Card Agreement You have with Us.
Program Cost	The monthly Program fee is $1.66 per $100 of Your Account monthly ending balance automatically billed on Your Account statement.
Who is Covered	The primary and joint account holders on the Account and any authorized users on the Account.
Making Monthly Payments	After a Covered Event happens You must continue to make any required minimum payments on Your Credit Card Account after a Covered Event happens until You are notified Your Benefit request is approved.
Multiple Covered Events	If Your Covered Events have the same Benefit Start Date You will need to choose one Covered Event.

2. HOW TO OBTAIN YOUR BENEFITS

2.1 Request Benefit Form

Call 1-800-815-4051
- 9:00 A.M. to 10:00 P.M. Eastern Time, Monday through Friday
- 9:00 A.M. to 6:00 P.M. Eastern Time, Saturday
- 9:00 A.M. to 4:00 P.M. Eastern Time, Sunday
Except holidays
You may also write to Card Security, P.O. Box 39, Roswell, GA 30077-0039
Complete and return Benefit request form with requested documents within one (1) year of the Benefit Start Date
Requests for benefits for Covered Events of authorized users must be submitted by the primary or joint account holder.

2.2 Other Required Documents. We may ask You to provide additional information or documents as we review Your Benefit request form request.

2.3 Filing Period.

Return completed Benefit request form and required documents within one (1) year from the Benefit Start Date.

3. COVERED EVENTS

Please read about each of the Covered Events and the exclusions

3.1 Job Loss, Leave of Absence and Disability

Job Loss means You lose Your Full-Time job because of one of the following:
- (a) A general strike;
- (b) A layoff for You;
- (c) A unionized labor dispute;
- (d) A lockout; or
- (e) You are terminated
Subject to Excluded Reasons listed below.
Leave of Absence means that You are on an unpaid employer approved leave from a Full-Time job. Subject to Excluded Reasons listed below.
Full-Time means that You work at least 30 hours per week as a permanent non seasonal employee.

To obtain a Job Loss or Leave of Absence Benefit:

- The Benefit Start Date of Your Job Loss or Leave of Absence must be 30 days after Your enrollment Effective Date.

Excluded Reasons:

You cannot obtain a Job Loss or Leave of Absence Benefit if You:

(a) Are self-employed;
(b) Are employed by a member of Your immediate family or household;
(c) Quit Your job or retire;
(d) Are fired due to misconduct;
(e) Lose Your job because Your employment contract ends;
(f) Are seasonally employed;
(g) Keep Your job but Your work hours are reduced; or
(h) Have a Benefit Start Date within thirty (30) days of Your enrollment Effective Date.

Disability means that due to sickness or injury;
- (a) You are unable to perform normal daily activities; and
- (b) You require the care of a doctor;
  Subject to Excluded Reasons listed below.

To obtain a Disability Benefit:

(a) The Benefit Start Date of Your Disability must be after Your Effective Date; and
(b) You must be under the care of a doctor.

Cancellation amount for Job Loss, Leave of Absence and Disability Covered Events:

After the Benefit Start Date, Your minimum payment shown on the first billing statement after Your Benefit Start Date is cancelled
After 30 days in a row of the Covered Event Your minimum payment shown on the second billing statement after Your Benefit Start Date is cancelled.
After another 30 days or 60 days total in a row of the Covered Event Your minimum payment shown on the third statement after Your Benefit Start Date is cancelled.
After another 30 days or 90 days total in a row of the Covered Event Your full Account balance is cancelled, as of the Benefit Start Date minus any payments already cancelled for this Covered Event.
The total amount cancelled will not exceed the amount You owed on Your Benefit Start Date, up to a maximum of $10,000.

3.2 End of Self-Employment or Contract Employment or Reduction of Hours

- End of Self-Employment or Contract Employment or Reduction of Hours means that Your job working for Yourself or a member of Your immediate family ends or terminates, You lose Your job because Your employment contract ends or Your monthly work hours are reduced by at least 20 percent. Your job may be full time or part time or seasonal.

To obtain an End of Self-Employment or Contract Employment or Reduction of Hours Benefit:

- The Benefit Start Date of Your End of Self-Employment or Contract Employment or Reduction of Hours must be 30 days after Your enrollment Effective Date.

Cancellation amount for End of Self-Employment or Contract Employment or Reduction of Hours Covered Event:

After a Covered Event, Your minimum payment shown on the first billing statement after Your Benefit Start Date is cancelled.
Your minimum payments will continue to be cancelled while the Covered Event lasts up to a maximum of six minimum payments in total.
The total amount cancelled will not exceed $10,000.

3.3 Hospitalization and Nursing Home Care

Hospitalization and Nursing Home Care means that You are admitted to a Hospital or a Nursing Home while under the care of a doctor, subject to Excluded Reasons listed below.
A Hospital or Nursing Home is a licensed medical facility in the U.S.

To obtain a Hospitalization or Nursing Home Care Program Benefit:

- You must be under a doctor's care.

Cancellation Amount for Hospitalization and Nursing Home Care.

After your Covered Event begins Your minimum payment shown on the first billing statement after Your Benefit Start Date is cancelled.
If You remain in a Hospital or Nursing Home for 7 nights in a row as a result of the Covered Event, Your full Account balance is cancelled as of the Benefit Start Date minus any payments already cancelled.
The total amount cancelled will not exceed the amount You owed on Your Benefit Start Date, up to a maximum of $10,000.

3.4 Terminal Medical Condition or Loss of Life

Terminal Medical Condition means a doctor has diagnosed You with a medical condition that is expected to cause Your death in six (6) months or less.
Loss of Life means You pass away.

To obtain a Terminal Medical Condition or Loss of Life Benefit:

- The Benefit Start Date of Your Terminal Medical Condition or Loss of Life must be after Your Effective Date; and
- You must be under a doctor's care for Terminal Medical Condition.

Cancellation Amount for Terminal Medical Condition or Loss of Life Protection

The Program cancels the full Account balance, up to $10,000, as of the Benefit Start Date of Your Terminal Medical Condition diagnosis or Your Loss of Life.

4.0 End of this Agreement

4.1 Reasons Agreement May End

We may end this Agreement at any time by giving You written notice at the last address We have for You on record.
This Agreement will end without notice, if:
- a) You do not make any part of the required minimum payment on Your Account for 3 billing periods in a row;
- b) You file for bankruptcy; or
- c) Your Account has been closed for additional purchases and You have repaid any Account balance.
We may also end this Agreement by written notice if You submit a fraudulent Benefits request.
If You cancel this Agreement.

4.2 Re-Enrollment. If this Agreement is ended, You will not be able to take part in the Program again unless You submit a new enrollment request and We approve it.

5.0 MISCELLANEOUS

5.1 Medical Records.

You agree that We have the right, at Our own cost, to look at the primary and joint account holder's, or authorized user's, as applicable, medical records in connection with any request for a Benefit for Disability, Nursing Home Care, Hospitalization or Terminal Medical Condition. We will not enforce this right any more than is allowed by the applicable laws.

5.2 Eligible Doctors.

Any requirement about a doctor must be met by a doctor of medicine or osteopathy licensed in the U.S. The doctor cannot be Yourself or a member of Your immediate family.

5.3 Tax Implications.

A Benefit may be taxable as income. You should contact a qualified tax advisor concerning the tax impact.

5.4 Waiver.

We reserve the right to waive any of the requirements in this Agreement. However, if We do so, We will not be obligated to waive the same requirements in any other situation. Our waiver of any requirement will not be a waiver of any other requirement.

5.5 Credit Card Agreement.

This Agreement is made a part of Your Credit Card Agreement. Your Credit Card Agreement remains in full force and effect.

If there is a conflict between this Agreement and Your Credit Card Agreement, this Agreement will control.

5.6 Change in Terms.

We may change or add to the terms of this Agreement at any time. We will provide you notice as required by law. If a change is not favorable we will provide you with notice and the right to cancel before the change takes place.

5.7 Availability.

The Program may not be available in all states

5.8 Arbitration.

Any Dispute and Claim Resolution provisions (Including Arbitration) that may apply with respect to Your Credit Card Agreement shall also apply with respect to the Program.

5.9 Assignment.

We may assign any of our rights or obligations under this Agreement without notice to you. You may not assign any of your rights or obligations under this Agreement.

Yes, I want to purchase the optional Card Security program and this qualifies as my signature. I have read and agree to the terms of the agreement.

Important Information : Please see below for Rates, Fees and Other Cost Information, Consent to Electronic Communications, Billing Rights, and Privacy Policy.

APPLICANT and JOINT APPLICANT: We need your signature(s) below
By applying for this account, I am asking

("

") to issue me a

(the "card"), and I agree that:

I am providing this information in the application to
and to dealers/merchants/retailers that accept the Card and program sponsors (and their respective affiliates). I also provide my consent for
to provide information about me (even if my application is declined) to dealers/merchants/retailers that accept the Card and program sponsors (and their respective affiliates) so that they can create and update their records, and provide me with services and special offers.
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
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

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
to obtain, verify and record information that identifies you when you open an account.
will use your name, address, date of birth, and other information for the purpose.

If you apply with a Joint Applicant, each of you wil be jointly and individually responsible for obligations under the Agreement.

By signing below or by providing your name in the Joint Applicant Information section of this application which represents your signature above, you agree that you intend to apply for credit and intend to sign this
application.

I acknowledge that by clicking the "Accept", I am indicating my intent to sign this
application and that this shall constitute my signature.

Your security is important to us. We take great care to protect your information by using Transport Layer Security (TLS) technology.

Consent to Electronic Communications | Privacy Policy | Web Site Usage Agreement Web Site Usage Agreement | SYNCB Internet Privacy Policy

Card Security Debt Cancellation Program Agreement

DEFINITIONS

1. IMPORTANT INFORMATION