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1 Two Types of Promotional Options May Be Available One or more of these promotional options may be available on qualifying purchases made with your CareCredit credit card account, based on your provider and your purchase. Not all promotions are available at all providers. Ask your provider for details. No Interest if Paid in Full within 6, 12, Reduced APR and Fixed Monthly Payments 18 or 24 Months* Required Until Paid in Full**. Interest at the rate of will be charged to your account from the Fixed Monthly Payment amount based on repayment over 24, 36, 48. date of purchase if the promotional purchase is not paid in full within the or 60 month period. Purchases of $1,000 or more may be eligible for a promotional period. To avoid late fees, you must make your Total Minimum 24 months offer with a APR, a 36 months offer with a Monthly Payments by the due date each month. These Minimum Monthly APR or a 48 months offer with a APR.

2 Purchases of $2,500. Payments may or may not pay off the promotional purchase before or more may be eligible for a 60 months offer with a APR. the end of the promotional period. To make sure that you are not charged the interest accrued at , you must pay the total promotional purchase amount within the promotional period. What You Should Know When Using CareCredit For No Interest if Paid in Full promotions, you will have to pay interest that accrues at from the date of purchase if you do not pay the full amount within the promotional period. Your account should only be charged for services that have been completed or that will be provided within 30 days of the charge on your account. CareCredit's agreement with your provider prohibits charges for products or services that are not delivered or completed within 30. days of the charge, unless the charges are for custom products or orthodontic services. *Offer applies only to single-receipt qualifying purchases of **Interest will be charged on promotional purchases from $200 or more.

3 No Interest will be charged on the promotional the purchase date until paid in full. The APR for the 24-month purchase if you pay the promotional purchase amount in full promotion is APR, for the 36-month promotion is APR, within the promotion period which may be 6, 12, 18 or 24 months. for the 48-month promotion is APR, and for the 60-month If you do not, interest will be charged on the promotional purchase promotion is APR. Fixed monthly payments are required from the purchase date. Regular account terms apply to non- until paid in full and will be calculated as follows: on 24-month promotional purchases and, after promotion ends, to the promotional promotions - of initial promo purchase amount; on balance. For new accounts: Purchase APR is ; Minimum 36-month promotions - of initial promo purchase amount;. Interest Charge is $2. Existing cardholders should see their credit on 48-month promotions - of initial promo purchase card agreement for their applicable terms.

4 Subject to credit approval. amount or on 60-month promotion - of initial promo purchase amount. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if this was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is ; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval. SYNCHRONY BANK. KEEP FOR YOUR RECORDS. RATES AND FEES TABLE. CARECREDIT CREDIT CARD ACCOUNT. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 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.

5 Minimum Interest Charge If you are charged interest, the charge will be no less than $ For Credit Card Tips from To learn more about factors to consider when applying for or using the Consumer Financial a credit card, visit the website of the Consumer Financial Protection Protection Bureau Bureau at Fees Penalty Fees Late Payment Up to $40. How We Will Calculate Your Balance: We use a method called daily balance. See your credit card account agreement below 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 on page 7. The information about the costs of the card described above is accurate as of April 3, 2020. This information may have changed after that date. To find out what may have changed, write to us at 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.

6 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. (1). Please read the following disclosure if you have received a pre-approval for a credit card. 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 LLC Opt Out Request, Box 505, Woodlyn, PA 19094-0505; Equifax Options, Box 740123, Atlanta, GA 30374- 0123; or Experian Opt-Out, Box 919, Allen, TX 75013.

7 STATE NOTICES. CALIFORNIA RESIDENTS: If you are married, you may apply for a separate account. NEW YORK RESIDENTS: A consumer credit report may be obtained in connection with evaluating your application and subsequently in connection with updates, renewals, or extensions of credit for which this application is made. Upon your request, you will be informed whether a report was obtained, and if so, of the name and address of the consumer reporting agency. OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under sec. , Wis. Stats., or a court decree under sec. , Wis. Stats., adversely affects the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

8 Married residents of Wisconsin applying for an individual account must give us the name and address of their spouse if the spouse also is a Wisconsin resident, regardless of whether the spouse may use the card. Please provide this information to us at Box 965033, Orlando, FL 32896-5033. CONSENT TO ELECTRONIC COMMUNICATIONS. By (i) submitting an application online or (ii) registering for online or mobile services for your Account, you hereby agree to the following and this will constitute your consent for us to send you electronic communications about your Account. When you successfully consent through the online or mobile site, you have successfully demonstrated that you are able to access information we have posted on such online or mobile site. Categories of Communications You consent to receive communications relating to your Account in electronic form . The communications covered by your consent may include, but are not limited to, (i) the initial disclosure statement or agreement governing your Account, (ii) any disclosure required by federal, state or local law, including disclosures under the federal Truth in Lending Act, the federal Fair Credit Reporting Act, the federal Equal Credit Opportunity Act and the financial privacy provisions of the Gramm-Leach-Bliley Act, (iii) your billing statement, if you have signed up to receive electronic statements, (iv).

9 Letters, notices or alerts regarding your Account and any changes to your Account, (v) other disclosures, notices or communications in connection with the application for, the opening of, maintenance of or collection of your Account; and (vi) the debt cancellation agreement and other information relating to optional debt cancellation products you may select to purchase. These electronic communications may include your name and some information about your Account, including your balance or the due date; however, we will not include your full account number or social security number. Electronic communications may be reviewed by any party with access to your Account, the e-mail account you have provided to us for delivering these communications, or the hardware or software you use to view your Account information or your e-mail account. How to Withdraw Your Consent You may not apply online for an Account and you may not register your Account for online services (including electronic statements or mobile alerts), unless you also provide your consent to receive electronic communications.

10 If you have registered for online services (such as electronic statements or mobile alerts) and you wish to withdraw your consent to receive future electronic communications, you must un-enroll from each service you have elected to receive to completely withdraw your consent to receive electronic communications. Additionally, you may call customer service at the number on your credit card or billing statement to withdraw your consent. We will not impose any fee to process the withdrawal of your consent to electronic communications. However, you will not be able to receive your billing statements electronically if you do not consent to receive electronic communications or withdraw your consent. Any withdrawal of your consent to electronic communications will be effective only after we have a reasonable period of time to process your withdrawal request. How to Update Your Records You agree to promptly update your e-mail address if a change occurs by updating your information through the website listed on your billing statement or by calling customer service.