Review And Sign

APPLICANT: I ask Synchrony Bank (“SYNCB”) to issue me a SYNCB Credit Card (the “Card”) and I agree:

•To the SYNCB Credit Card agreement (“Agreement”).

•I am providing the information in this application to SYNCB and to dealers/merchants/retailers that accept the Card and program sponsors (and their respective affiliates), and I consent to SYNCB’s providing information about me to dealers/merchants/retailers that accept the Card and program sponsors (and their respective affiliates) for their own business purposes.

•SYNCB may obtain credit reports and other information, including employment and income, about me to evaluate my application and for other purposes.

•SYNCB, and any other owner or servicer of my account, may contact 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. I also agree to update my contact information.

•The Agreement will govern my account and includes: (1) a resolving a dispute with arbitration provision that limits my rights unless: (a) I reject the provision by following the provision’s instructions or (b) I am covered by the Notice for Active Duty Military Members and their Dependents set forth in the Agreement; and (2) makes each applicant responsible for paying the entire amount of credit extended. PLEASE SEE THE ATTACHED CREDIT CARD AGREEMENT FOR RATES, FEES AND OTHER COST INFORMATION. Federal law requires SYNCB to obtain, verify and record information that identifies you when you open an account. SYNCB will use your name, address, date of birth, and other information for this purpose.