0001144204-18-051913 Sample Contracts

SYNCHRONY CARD ISSUANCE TRUST as Issuer and THE BANK OF NEW YORK MELLON as Indenture Trustee SYNCHRONYSERIES INDENTURE SUPPLEMENT dated as of September 26, 2018 to AMENDED AND RESTATED MASTER INDENTURE dated as of May 1, 2018
Master Indenture • October 2nd, 2018 • Synchrony Card Issuance Trust • Asset-backed securities • New York

This SYNCHRONYSERIES INDENTURE SUPPLEMENT, dated as of September 26, 2018 (this “Indenture Supplement”), between SYNCHRONY CARD ISSUANCE TRUST, a statutory trust organized under the laws of the State of Delaware (the “Issuer”), and THE BANK OF NEW YORK MELLON, a New York state-chartered bank, not in its individual capacity but in its capacity as Indenture Trustee (the “Indenture Trustee”) under the Amended and Restated Master Indenture, dated as of May 1, 2018 (the “Indenture”), between the Issuer and the Indenture Trustee.

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Risk Retention Agreement • October 2nd, 2018 • Synchrony Card Issuance Trust • Asset-backed securities

RISK RETENTION AGREEMENT, dated as of September 26, 2018 (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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