Synchrony Card Issuance Trust

Exhibit 4.1 SYNCHRONY CARD ISSUANCE TRUST as Issuer CLASS A(2026-3) TERMS DOCUMENT dated as of November 16, 2026 to SYNCHRONYSERIES INDENTURE SUPPLEMENT dated as of September 26, 2018 to AMENDED AND RESTATED MASTER INDENTURE dated as of May 1, 2018 THE BANK OF NEW YORK MELLON as Indenture Trustee Table of Contents Page ARTICLE DEFINITIONS 1 I AND OTH…

8-K · 2026-11-12 · 0001104659-26-126297

Exhibit 4.2 RISK RETENTION AGREEMENT, dated as of November 16, 2026 (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”). W I T N E S S E T H: WHEREAS, Synchrony Bank and Synchrony Card Funding have entered into an Amended and Restate…

8-K · 2026-11-12 · 0001104659-26-126297

Exhibit 99.1 Monthly Noteholder's Statement Synchrony Card Issuance Trust SynchronySeries Pursuant to the Amended and Restated Master Indenture, dated as of May 1, 2018 (as amended and supplemented, the “Indenture”) between Synchrony Card Issuance Trust (the “Issuer”) and The Bank of New York Mellon, as indenture trustee (the “Indenture Trustee”), as supplemented by the SynchronySeries Indenture Supplement (as amended and supplemented, the “Indenture Supplement”), dated as of September 26, 2…

10-D · 2026-10-15 · 0001104659-26-115929

Exhibit 4.1 SYNCHRONY CARD ISSUANCE TRUST as Issuer CLASS A(2026-2) TERMS DOCUMENT dated as of August 12, 2026 to SYNCHRONYSERIES INDENTURE SUPPLEMENT dated as of September 26, 2018 to AMENDED AND RESTATED MASTER INDENTURE dated as of May 1, 2018 THE BANK OF NEW YORK MELLON as Indenture Trustee Table of Contents Page ARTICLE I DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.01 Definitions and Interpretive Matters 1 Section …

8-K · 2026-08-18 · 0001104659-26-098383

Exhibit 4.2 RISK RETENTION AGREEMENT, dated as of August 12, 2026 (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”). W I T N E S S E T H: WHEREAS, Synchrony Bank and Synchrony Card Funding have entered into an Amended and Restated …

8-K · 2026-08-18 · 0001104659-26-098383

Exhibit 99.1 Balance Reductions The accounts in the trust portfolio may have balance reductions granted for a number of reasons, including merchandise refunds, returns, and fraudulent charges. As of June 30, 2026, the 12-month average monthly balance reduction rate for the accounts in the trust portfolio attributable to such returns and fraud was 1.81%. The following information regarding the trust portfolio is as of June 30, 2026: · total transferred receivables: $11,475,209,377; · princip…

8-K · 2026-08-18 · 0001104659-26-098383