0001104659-23-087860 Sample Contracts

SYNCHRONYSERIES Class A(2023-1) SYNCHRONY CARD ISSUANCE TRUST (Issuer) SYNCHRONY CARD FUNDING, LLC (Depositor) UNDERWRITING AGREEMENT
Underwriting Agreement • August 4th, 2023 • Synchrony Card Issuance Trust • Asset-backed securities • New York

Synchrony Card Funding, LLC, a limited liability company organized and existing under the laws of the State of Delaware (the “Company”), proposes to cause Synchrony Card Issuance Trust (the “Issuer”) to issue and sell from time to time notes of the series, classes and tranches designated in Annex I (the “Notes”). The offering of the Notes by the Underwriters pursuant to this Agreement and the Terms Document is referred to herein as the “Note Offering.” The Company is a wholly-owned subsidiary of Synchrony Bank (the “Bank”).

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Risk Retention Agreement • August 4th, 2023 • Synchrony Card Issuance Trust • Asset-backed securities

RISK RETENTION AGREEMENT, dated as of August 9, 2023 (this “Agreement”), by and among SYNCHRONY BANK, a federal savings association organized under the laws of the United States (“Synchrony Bank”), SYNCHRONY CARD FUNDING, LLC, a Delaware limited liability company (“Synchrony Card Funding”), and SYNCHRONY CARD ISSUANCE TRUST, a Delaware statutory trust (the “Issuer”).

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