Variable annual rate of employment: a variable annual rate of time (or a variable annual rate of time) changes with the index rate, for example. B.dem policy rate. The cardholder`s agreement contains details on how a card`s annual effective rate may change over time, sometimes without the user being informed. These Terms apply exclusively to your access to and use of the Website and do not modify any other agreements you have with Synchrony or any of its affiliates, including Synchronous Online Banking. The drop-down list includes credit card issuers that have submitted credit card agreements in accordance with section 204 of the Credit Card Accountability Responsibility and Disclosure Act 2009 (CARD Act). . . .