CONSUMER CREDIT CARD PROGRAM AGREEMENT By and Between CIRCUIT CITY STORES, INC. And BANK ONE, DELAWARE, N.A. Dated as of January 16, 2004Consumer Credit Card Program Agreement • May 10th, 2004 • Circuit City Stores Inc • Retail-radio, tv & consumer electronics stores • New York
EXHIBIT 10(k)-3 THIRD AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAM AGREEMENT This Amendment dated as of July 26, 2002 ("Amendment") amends that certain Amended and Restated Consumer Credit Card Program Agreement dated as of February...Consumer Credit Card Program Agreement • November 12th, 2002 • Ethan Allen Interiors Inc • Wood household furniture, (no upholstered) • Georgia
EXPLANATORY NOTEConsumer Credit Card Program Agreement • October 10th, 2014 • Gap Inc • Retail-family clothing stores • Utah
This AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAM AGREEMENT (the “Agreement”) is made as of the 28th day of February, 2014 by and among GE Capital Retail Bank, a federal savings bank (“Bank”), GE Capital Retail Finance Corporation, a Delaware corporation (“Bank Parent”), The Gap, Inc., a Delaware corporation (“The Gap, Inc.”), Gap (Puerto Rico), Inc., a Puerto Rico corporation, GPS Consumer Direct, Inc., a California corporation, Gap (Apparel), LLC, a California limited liability company, and Gap (ITM) Inc., a California corporation (jointly and severally, the “Retailers”).
1 EXHIBIT 10.8 CONSUMER CREDIT CARD PROGRAM AGREEMENT This Agreement (the "AGREEMENT") is made this 25th day of November, 1997 (the "EFFECTIVE DATE") between Internet Access Financial Corporation ("IAFC"), a California corporation, and Heritage Bank...Consumer Credit Card Program Agreement • May 13th, 1999 • Nextcard Inc • Personal credit institutions • California
EXPLANATORY NOTE ON APRIL 7, 2017, SYNCHRONY BANK (F/K/A GE CAPITAL RETAIL BANK) AND SYNCHRONY FINANCIAL (“SYNCHRONY ENTITIES”) ENTERED INTO THE FIFTH AMENDMENT TO THE AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAM AGREEMENT BY AND AMONG THE GAP,...Consumer Credit Card Program Agreement • August 24th, 2017 • Gap Inc • Retail-family clothing stores • Utah
This Fifth Amendment to the Amended and Restated Consumer Credit Card Program Agreement, dated as of April 7, 2017 (the “Amendment”) amends that certain Amended and Restated Consumer Credit Card Program Agreement dated as of February 28, 2014 (as amended, modified and supplemented from time to time, the “Agreement”) by and among Synchrony Bank, a federal savings bank (“Bank”), Synchrony Financial, a Delaware corporation (“Bank Parent”), The Gap, Inc., a Delaware corporation (“The Gap, Inc.”), Gap (Puerto Rico), Inc., a Puerto Rico corporation, GPS Consumer Direct, Inc., a California corporation, Gap (Apparel), LLC, a California limited liability company, and Gap (ITM) Inc., a California corporation (jointly and severally, the “Retailers”). Capitalized terms used herein and not otherwise defined have the meaning given in the Agreement.
EXPLANATORY NOTEConsumer Credit Card Program Agreement • November 24th, 2021 • Gap Inc • Retail-family clothing stores • Utah
This Seventh Amendment to the Amended and Restated Consumer Credit Card Program Agreement, dated as of August 26, 2021 (the “Amendment”) amends that certain Amended and Restated Consumer Credit Card Program Agreement dated as of February 28, 2014 (as amended, modified and supplemented from time to time, the “Agreement”) by and among Synchrony Bank, a federal savings bank (“Bank”), Synchrony Financial, a Delaware corporation (“Bank Parent”), The Gap, Inc., a Delaware corporation (“The Gap, Inc.”), Gap (Puerto Rico), Inc., a Puerto Rico corporation, GPS Consumer Direct, Inc., a California corporation, Gap (Apparel), LLC, a California limited liability company, and Gap (ITM) Inc., a California corporation (jointly and severally, the “Retailers”). Capitalized terms used herein and not otherwise defined have the meaning given in the Agreement.
ContractConsumer Credit Card Program Agreement • May 5th, 2020
EX-10.1 2 exhibit10agreement.htm EXHIBIT 10.1 Exhibit 10.1 [EXECUTION COPY] CONSUMER CREDIT CARD PROGRAM AGREEMENT By and Between J. C. PENNEY CORPORATION, INC. (Formerly known as J. C. PENNEY COMPANY, INC.) GE MONEY BANK (Assignee of MONOGRAM CREDIT CARD BANK OF GEORGIA) Originally Dated as of December 6, 1999 And Amended and Restated as of November 5, 2009 TABLE OF CONTENTS
FIRST AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAM AGREEMENTConsumer Credit Card Program Agreement • March 23rd, 2015 • Gap Inc • Retail-family clothing stores • Utah
This First Amendment to the Amended and Restated Consumer Credit Card Program Agreement, dated as of January 31, 2015 (the “Amendment”) amends that certain Amended and Restated Consumer Credit Card Program Agreement dated as of February 28, 2014 (as amended, modified and supplemented from time to time, the “Agreement”) by and among Synchrony Bank (f/k/a GE Capital Retail Bank), a federal savings bank (“Bank”), Synchrony Financial, a Delaware corporation (“Bank Parent”), The Gap, Inc., a Delaware corporation (“The Gap, Inc.”), Gap (Puerto Rico), Inc., a Puerto Rico corporation, GPS Consumer Direct, Inc., a California corporation, Gap (Apparel), LLC, a California limited liability company, and Gap (ITM) Inc., a California corporation (jointly and severally, the “Retailers”). Capitalized terms used herein and not otherwise defined have the meaning given in the Agreement.
SIXTH AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAMConsumer Credit Card Program Agreement • March 16th, 2016 • J C Penney Co Inc • Retail-department stores
This Sixth Amendment (“Amendment Number Six”) dated as of June 26, 2015 to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, and as amended as of October 29, 2010, January 30, 2013, October 11, 2013, February 25, 2014, and April 6, 2015 by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and SYNCHRONY BANK, assignee of Monogram Credit Card Bank of Georgia and formerly known as GE Capital Retail Bank and GE Money Bank, with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement.
NINTH AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAM AGREEMENTConsumer Credit Card Program Agreement • August 30th, 2017 • J C Penney Co Inc • Retail-department stores
This Ninth Amendment (“Amendment Number 9”) dated as of July 10, 2017 to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, and as amended as of October 29, 2010, January 30, 2013, October 11, 2013, February 25, 2014, April 6, 2015, June 26, 2015, August 17, 2016 and January 18, 2017, is made by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas (“JCPenney”), and SYNCHRONY BANK, assignee of Monogram Credit Card Bank of Georgia and formerly known as GE Capital Retail Bank and GE Money Bank (“Bank”), with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (together with all exhibits and schedules thereto, as the same may be amended from time to time, the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement
SEVENTH AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAMConsumer Credit Card Program Agreement • November 30th, 2016 • J C Penney Co Inc • Retail-department stores
This Seventh Amendment (“Amendment Number 7”) dated as of August 17, 2016 to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, and as amended as of October 29, 2010, January 30, 2013, October 11, 2013, February 25, 2014, April 6, 2015 and June 26, 2015 by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and SYNCHRONY BANK, assignee of Monogram Credit Card Bank of Georgia and formerly known as GE Capital Retail Bank and GE Money Bank, with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement.
EXPLANATORY NOTEConsumer Credit Card Program Agreement • September 8th, 2015 • Gap Inc • Retail-family clothing stores • Utah
This Second Amendment to the Amended and Restated Consumer Credit Card Program Agreement, dated as of May 20, 2015 (the “Amendment”) amends that certain Amended and Restated Consumer Credit Card Program Agreement dated as of February 28, 2014 (as amended, modified and supplemented from time to time, the “Agreement”) by and among Synchrony Bank (f/k/a GE Capital Retail Bank), a federal savings bank (“Bank”), Synchrony Financial, a Delaware corporation (“Bank Parent”), The Gap, Inc., a Delaware corporation (“The Gap, Inc.”), Gap (Puerto Rico), Inc., a Puerto Rico corporation, GPS Consumer Direct, Inc., a California corporation, Gap (Apparel), LLC, a California limited liability company, and Gap (ITM) Inc., a California corporation (jointly and severally, the “Retailers”). Capitalized terms used herein and not otherwise defined have the meaning given in the Agreement.
INTERIM CONSUMER CREDIT CARD PROGRAM AGREEMENTConsumer Credit Card Program Agreement • March 31st, 1997 • Montgomery Ward Holding Corp • Retail-department stores • Georgia
EXPLANATORY NOTEConsumer Credit Card Program Agreement • August 31st, 2018 • Gap Inc • Retail-family clothing stores • Utah
This Sixth Amendment to the Amended and Restated Consumer Credit Card Program Agreement, dated as of May 22, 2018 (the “Amendment”) amends that certain Amended and Restated Consumer Credit Card Program Agreement dated as of February 28, 2014 (as amended, modified and supplemented from time to time, the “Agreement”) by and among Synchrony Bank, a federal savings bank (“Bank”), Synchrony Financial, a Delaware corporation (“Bank Parent”), The Gap, Inc., a Delaware corporation (“The Gap, Inc.”), Gap (Puerto Rico), Inc., a Puerto Rico corporation, GPS Consumer Direct, Inc., a California corporation, Gap (Apparel), LLC, a California limited liability company, and Gap (ITM) Inc., a California corporation (jointly and severally, the “Retailers”). Capitalized terms used herein and not otherwise defined have the meaning given in the Agreement.
EXPLANATORY NOTE ON DECEMBER 15, 2015, SYNCHRONY BANK (F/K/A GE CAPITAL RETAIL BANK) AND SYNCHRONY FINANCIAL (“SYNCHRONY ENTITIES”) ENTERED INTO THE THIRD AMENDMENT TO THE AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAM AGREEMENT BY AND AMONG THE...Consumer Credit Card Program Agreement • March 21st, 2016 • Gap Inc • Retail-family clothing stores • Utah
This Third Amendment to the Amended and Restated Consumer Credit Card Program Agreement, dated as of December 15, 2015 (the “Amendment”), amends that certain Amended and Restated Consumer Credit Card Program Agreement dated as of February 28, 2014 (as amended, modified and supplemented from time to time, the “Agreement”) by and among Synchrony Bank (f/k/a GE Capital Retail Bank), a federal savings bank (“Bank”), Synchrony Financial, a Delaware corporation (“Bank Parent”), The Gap, Inc., a Delaware corporation (“The Gap, Inc.”), Gap (Puerto Rico), Inc., a Puerto Rico corporation, GPS Consumer Direct, Inc., a California corporation, Gap (Apparel), LLC, a California limited liability company, and Gap (ITM) Inc., a California corporation (jointly and severally, the “Retailers”). Capitalized terms used herein and not otherwise defined have the meaning given in the Agreement.
Confidential Materials omitted and filed separately with the Securities and Exchange Commission. Asterisks denote omissions. Third Amendment to the Consumer Credit Card Program Agreement by and between Bank One Delaware, N.A. n/k/a Chase Bank USA,...Consumer Credit Card Program Agreement • January 9th, 2008 • Circuit City Stores Inc • Retail-radio, tv & consumer electronics stores
This Third Amendment (“Amendment”) is dated as of October 24, 2007 and amends the Consumer Credit Card Program Agreement dated January 16, 2004, as amended by Amendment to Program Agreement dated and effective as of May 25, 2004 and Amendment #2 to Program Agreement, dated and effective as of May 25, 2004 (“Agreement”) by and between Bank One Delaware, N.A. n/k/a Chase Bank USA, N.A (“Bank”) and Circuit City Stores, Inc. (“Company”).
SECOND AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAM AGREEMENTConsumer Credit Card Program Agreement • February 4th, 2013 • J C Penney Co Inc • Retail-department stores
This Second Amendment (“Amendment Number Two”) dated as of January 30, 2013, to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, and as amended as of October 29, 2010, by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and GE CAPITAL RETAIL BANK, assignee of Monogram Credit Card Bank of Georgia and formerly known as GE Money Bank, with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement.
FIFTH AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAMConsumer Credit Card Program Agreement • June 4th, 2015 • J C Penney Co Inc • Retail-department stores
This Fifth Amendment (“Amendment Number Five”) dated as of April 6, 2015, to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, and as amended as of October 29, 2010, January 30, 2013, October 11, 2013, and February 25, 2014, by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and SYNCHRONY BANK, assignee of Monogram Credit Card Bank of Georgia and formerly known as GE Capital Retail Bank and GE Money Bank, with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement.
CONSUMER CREDIT CARD PROGRAM AGREEMENT By and Between J. C. PENNEY CORPORATION, INC. (Formerly known as J. C. PENNEY COMPANY, INC.) GE MONEY BANK (Assignee of MONOGRAM CREDIT CARD BANK OF GEORGIA) Originally Dated as of December 6, 1999 And Amended...Consumer Credit Card Program Agreement • November 6th, 2009 • J C Penney Co Inc • Retail-department stores • Delaware
December 6, 1999, (the “Effective Date”) by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and GE MONEY BANK, assignee of Monogram Credit Card Bank of Georgia, with its principal place of business at 170 W. Election Road, Draper, Utah 84020, and is amended and restated as of November 5, 2009 (the “Second Effective Date”).
THIRD AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAM AGREEMENTConsumer Credit Card Program Agreement • October 15th, 2013 • J C Penney Co Inc • Retail-department stores
This Third Amendment (“Amendment Number Three”) dated as of October 11, 2013, to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, and as amended as of October 29, 2010 and January 30, 2013, by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and GE CAPITAL RETAIL BANK, assignee of Monogram Credit Card Bank of Georgia and formerly known as GE Money Bank, with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement.
Exhibit No. Exhibit Description Form No. Exhibit Date (as indicated) 10.67 Consumer Credit Card Program 8-K 001-15274 10.1 11/06/2009 Agreement by and between JCP and GE Money Bank, as amended and restated as of November 5, 2009 10.68 First Amendment,...Consumer Credit Card Program Agreement • March 29th, 2012
FOURTH AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAM AGREEMENTConsumer Credit Card Program Agreement • June 3rd, 2014 • J C Penney Co Inc • Retail-department stores
This Fourth Amendment (“Amendment Number Four”) dated as of February 25, 2014, to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, and as amended as of October 29, 2010, January 30, 2013 and October 11, 2013, by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and GE CAPITAL RETAIL BANK, assignee of Monogram Credit Card Bank of Georgia and formerly known as GE Money Bank, with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement.
EIGHTH AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAMConsumer Credit Card Program Agreement • March 24th, 2017 • J C Penney Co Inc • Retail-department stores
This Eighth Amendment (“Amendment Number 8”) dated as of January 18, 2017 to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, and as amended as of October 29, 2010, January 30, 2013, October 11, 2013, February 25, 2014, April 6, 2015, June 26, 2015 and August 17, 2016 by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and SYNCHRONY BANK, assignee of Monogram Credit Card Bank of Georgia and formerly known as GE Capital Retail Bank and GE Money Bank, with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement.
FIRST AMENDMENT TOConsumer Credit Card Program Agreement • October 29th, 2010 • J C Penney Co Inc • Retail-department stores
This First Amendment (“Amendment Number One”) dated as of October 29, 2010, to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and GE MONEY BANK, assignee of Monogram Credit Card Bank of Georgia, with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement.
Exhibit No. Exhibit Description Form No. Exhibit Date (as indicated) 10.69 Consumer Credit Card Program Agreement by and between JCP and GE Money Bank, as amended and restated as of November 5, 2009 8-K 001-15274 10.1 11/06/2009 10.70 First Amendment,...Consumer Credit Card Program Agreement • March 29th, 2011
SIXTH AMENDMENT TO AMENDED AND RESTATED CONSUMER CREDIT CARD PROGRAMConsumer Credit Card Program Agreement • September 8th, 2015 • J C Penney Co Inc • Retail-department stores
This Sixth Amendment (“Amendment Number Six”) dated as of June 26, 2015 to that certain Consumer Credit Card Program Agreement made as of December 6, 1999, as amended and restated as of November 5, 2009, and as amended as of October 29, 2010, January 30, 2013, October 11, 2013, February 25, 2014, and April 6, 2015 by and between J. C. PENNEY CORPORATION, INC., formerly known as J. C. Penney Company, Inc., a Delaware corporation, with its principal place of business at Plano, Texas, and SYNCHRONY BANK, assignee of Monogram Credit Card Bank of Georgia and formerly known as GE Capital Retail Bank and GE Money Bank, with its principal place of business at 170 W. Election Road, Draper, Utah 84020 (the “Agreement”). Capitalized terms used herein without definition shall have the meanings ascribed to them in the Agreement.
EXPLANATORY NOTEConsumer Credit Card Program Agreement • June 3rd, 2016 • Gap Inc • Retail-family clothing stores • Utah
This Fourth Amendment to the Amended and Restated Consumer Credit Card Program Agreement, dated as of April 29, 2016 (the “Amendment”) amends that certain Amended and Restated Consumer Credit Card Program Agreement dated as of February 28, 2014 (as amended, modified and supplemented from time to time, the “Agreement”) by and among Synchrony Bank (f/k/a GE Capital Retail Bank), a federal savings bank (“Bank”), Synchrony Financial, a Delaware corporation (“Bank Parent”), The Gap, Inc., a Delaware corporation (“The Gap, Inc.”), Gap (Puerto Rico), Inc., a Puerto Rico corporation, GPS Consumer Direct, Inc., a California corporation, Gap (Apparel), LLC, a California limited liability company, and Gap (ITM) Inc., a California corporation (jointly and severally, the “Retailers”). Capitalized terms used herein and not otherwise defined have the meaning given in the Agreement.
