THE TECHRON ADVANTAGE FUEL DISCOUNTS PROGRAM

By participating in the Techron Advantage Fuel Discounts Program (the "Fuel Discounts Program"), available with the Techron Advantage Credit Card Account ("Card Account") and Techron Advantage Visa Credit Card Account ("Visa Card Account"), collectively the “Techron Card Accounts”, you hereby agree to be bound by the following terms and conditions:

How Fuel Discounts Work

Fuel discounts ("Fuel Discounts"), previously referred to as Fuel Credits, are earned on fuel purchases made at participating Chevron or Texaco stations in the U.S. with your Techron Card Account and on Eligible Purchases made with your Visa Card Account. Eligible purchases include net purchases (less credits, returns and adjustments) made on your Visa Card Account, other than (i) purchases made at Chevron- or Texaco-branded retail locations and (ii) purchases made at any other fuel merchant ("Eligible Purchases").

Base and Promotional Fuel Discounts, earned from Chevron and Texaco fuel purchases, accrue during your billing period and, depending on dispenser capability at the station, will be applied either as (a) a cents-per-gallon discount at the pump (which may be referred to as Instant Fuel Discounts) or (b) a statement credit to the balance on your Techron Card Account at the end of the billing period in which they are earned. Base and Promotional Fuel Discounts will not be earned on Chevron or Texaco commercial aviation fuel or on marine fuel purchases or cash advances.

Visa Spend Fuel Discounts, earned from Eligible Purchases, will be applied as a Visa Card Account statement credit on qualifying fuel purchases made at participating Chevron or Texaco stations in the U.S. at the end of the billing period in which they are earned.

Your Techron Card Account must be in good standing to earn and receive Fuel Discounts. If your Techron Card Account is suspended, you will not earn Fuel Discounts until your charging privileges have been restored. Fuel Discounts will be forfeited if your Techron Card Account is closed, whether by you or Synchrony Bank. If your Techron Card Account has a New York mailing address, any Fuel Discounts (other than Instant Fuel Discounts) you have accumulated will be issued to you as a statement credit within two billing cycles after we send you notice that your account is closed or the Fuel Discount Program has been modified, cancelled, closed or terminated (subject to the availability of Fuel Discounts). However, Fuel Discounts will be forfeited if the Techron Card Account was delinquent or if the Techron Card Account was closed for fraud or other misuse. See “Comply with Fuel Discounts Program Terms” below for more information.

Base Fuel Discounts

For each fuel purchase made at participating Chevron or Texaco stations in the U.S. you will earn three cents ($0.03) per gallon in Fuel Discounts ("Base Fuel Discounts") that can be combined with additional Fuel Discounts as explained below.

Promotional Fuel Discounts

Promotional Fuel Discounts, including introductory Fuel Discounts and other limited time offers (“Promotional Fuel Discounts”) may be available for new Techron Card Accounts. After opening a Techron Card Account we may offer you the ability to earn Promotional Fuel Discounts in addition to any Base Fuel Discounts during an introductory period. The number of Promotional Fuel Discounts and the duration of the introductory period may vary. Details of the current introductory offer may be posted at Chevron- and Texaco-branded retail locations and can be found at www.TechronAdvantageCard.com. After the introductory period ends, you will continue to earn Base Fuel Discounts as described in these Fuel Discounts Program terms. We may offer you other opportunities to earn additional Promotional Fuel Discounts from time to time. We will notify you about these other promotional offers when they become available.

Visa Spend Fuel Discounts

If you carry the Visa Card Account, you can combine your Base and Promotional Fuel Discounts with Fuel Discounts earned from making Eligible Purchases ("Visa Spend Fuel Discounts"). You can earn up to ten cents ($0.10) per gallon in Visa Spend Fuel Discounts in two cents ($0.02) per one hundred dollar ($100.00) spend increments. To earn Visa Spend Fuel Discounts in any billing period you must meet one of the Eligible Purchase thresholds set forth below in that billing period. If your Eligible Purchases in any billing period total: $100.00 to $199.99, you will earn two cents ($0.02) per gallon; $200.00 to $299.99, you will earn four cents ($0.04) per gallon; $300.00 to $399.99, you will earn six cents ($0.06) per gallon; $400.00 to $499.99, you will earn eight cents ($0.08) per gallon; and $500.00 or more, you will earn ten cents ($0.10) per gallon. A maximum of $300 in Visa Spend Fuel Discounts may be earned in any calendar year. Visa Spend Fuel Discounts are earned only if one of the Eligible Purchase thresholds is met in a billing period.

Comply with Fuel Discounts Program Terms

The Fuel Discounts Program is available for consumer Techron Card Accounts only. Fuel Discounts are not transferable. Fuel Discounts are not “gifts” and are not intended for gift-giving purposes. You acknowledge that any Fuel Discounts are purely promotional and are provided without the payment of any consideration or other thing of value. We reserve the right to remove any person from the Fuel Discounts Program in the event of any fraud or abuse in connection with this Fuel Discounts Program. Participation in the Fuel Discounts Program will be suspended if your Techron Card Account is suspended. We reserve the right to change or terminate this Fuel Discounts Program at any time and in any manner without notice. Changes may include, among other things, changing the benefits, imposing additional restrictions or terminating the Fuel Discounts Program.