Synchrony Bank provides you with a variety of promotional offers designed to fit specific financial needs. The promotional options available to you are listed below.

EVERY DAY PROMOTION OPTIONS

Plan 200

Reduced 9.99% APR and fixed monthly payments equal to 1.25% of promo purchase amount – Until Paid in Full 1

On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Estimated payoff period 132 months. See reverse side for additional information.

Plan 202

Reduced 5.99% APR and fixed monthly payments equal to 3.00% of promo purchase amount – Until Paid in Full 2

On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Estimated payoff period 37 months. See reverse side for additional information.

Plan 201

No Monthly Interest if Paid in Full Within 18 Months (Deferred Interest) 3

On purchases with your Synchrony Bank credit card. Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months. $29 account activation fee may apply. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. See reverse side for additional information.

SPECIAL PROMOTION OPTIONS

Promotional Offers below require a qualifying purchase. See advertisement for details.

Plan 290

No Monthly Interest for 36 Months and fixed monthly payments equal to 2.778% of promo purchase amount – Until Paid in Full 4

On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. See reverse side for additional information.

Plan 293

No Monthly Interest for 60 Months and fixed monthly payments equal to 1.667% of promo purchase amount – Until Paid in Full 5

On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. See reverse side for additional information.

Credit is extended by Synchrony Bank.

Supporting Promotional Disclosures

1 Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases
from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 1.25% of initial promo purchase
amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than
the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to nonpromotional
purchases. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is
$29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

2 Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases
from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required equal to 3.00% of initial promo purchase
amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than
the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to nonpromotional
purchases. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is
$29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

3 Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on the promo
purchase if you pay the promo purchase amount in full within 18 Months. If you do not, monthly interest will be charged on the promo
purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo
purchase until paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the
minimum payment that would be required if the purchase was a non-promotional purchase. Depending on purchase amount, promotion
length and payment allocation the required minimum monthly payments may or may not pay off purchase by end of promotional period.
Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases, except that the fixed
monthly payment will continue to be required until the promo purchase is paid in full. For new accounts: Purchase APR is 26.99%;
Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for
their applicable terms. Subject to credit approval.

4 Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on promo purchase
and fixed monthly payments are required equal to 2.778% of initial promo purchase amount until promo is paid in full. The fixed monthly
payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the
purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase
APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit
card agreement for their applicable terms. Subject to credit approval. This Promotional Offer requires a qualifying purchase. See
advertisement for details.

5 Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on promo purchase
and fixed monthly payments are required equal to 1.667% of initial promo purchase amount until promo is paid in full. The fixed monthly
payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the
purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase
APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit
card agreement for their applicable terms. Subject to credit approval. This Promotional Offer requires a qualifying purchase. See
advertisement for details.