b'ACCOUNT SUMMARY TABLE\n\nFRED MEYER/LITTMAN JEWELERS (0418)\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) 29.99%\nfor Purchases\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nHow to Avoid Paying Interest\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\nAnnual Fees\nPenalty Fees\n\xe2\x80\xa2 Late Fee\n\xe2\x80\xa2 Returned Payment Fee\n\ninterest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\nNone\nUp to $38\nUp to $35\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d See Section 3 of your Cardholder Agreement\nfor more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.\nRight to Reject: If you made a phone purchase with the account before receiving your Cardholder Agreement in writing, you may reject the account. To reject the\naccount, you must call TD Bank at 1-866-731-9735 within 45 days of opening the account. If you do so, the account will be closed and you will be not responsible for\nany fees or charges on the account. You must also return any undamaged merchandise. Alternatively, you may pay for the merchandise with another form of payment.\nReturns made as part of your right to reject are not subject to mailing or return-shipment costs.\nCurrent Rates on the Account: The Daily Periodic Rate for standard purchases is 0.082164% (which corresponds to an APR of 29.99%).\nActive Duty Service Members and Dependents: Effective October 3, 2017, if you would like more information about special protections that may apply to your\naccount, please call 1-800-877-7467.\nThe information about the costs of credit described in this Account Summary Table and the Cardholder Agreement is accurate as of April 2018. This information\nmay have changed after that date. To find out what has changed, call us at 1-866-731-9735 or write to us at: P.O. Box 731 Mahwah, New Jersey 07430.\nYOUR CARDHOLDER AGREEMENT WITH US\nIn this Cardholder Agreement (the \xe2\x80\x9cCardholder Agreement\xe2\x80\x9d or \xe2\x80\x9cAgreement\xe2\x80\x9d) \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the borrower(s) and \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d mean TD Bank, N.A. \xe2\x80\x9cAccount\xe2\x80\x9d means the credit Card Account\ngoverned by this Agreement. \xe2\x80\x9cCard\xe2\x80\x9d means any device we provide to you to access your Account. Card may include, but is not limited to, your Account number stored on a participating website or mobile\nwallet (your \xe2\x80\x9cVirtual Card\xe2\x80\x9d), physical cards, electronic tokens, or any other access device we authorize. You may only receive a Virtual Card when you open your Account. You may or may not receive a physical\nCard depending on the program.\nTD Bank, N.A. is the issuer of your Card and owner of your Account. All extensions of credit in connection with the Account are made by the Bank. This Agreement establishes the terms of the Account and should\nbe retained for your records. By signing for your first purchase, keeping or otherwise accepting the Card or Account, you agree to the terms and conditions of the Agreement. The entire Agreement includes this\ndocument, the Account Summary Table, and the application you submitted in connection with the Account. This Agreement also includes any changes we make to these documents from time to time.\n1. Your Promise to Pay and How to Use Your Account: You will be liable for all use of the Card or the Account by you or by any person with actual, implied, or apparent authority to act for you or to use the\nCard or the Account, including but not limited to any person you have designated to us as an authorized user (\xe2\x80\x9cAuthorized User\xe2\x80\x9d). Any such use will constitute acceptance of all the terms and conditions of\nthis Agreement, even though this Agreement is not signed.\nYou authorize us to pay and charge your Account for any and all purchases resulting from the use of the Card or the Account (each a \xe2\x80\x9cPurchase\xe2\x80\x9d). You promise to pay us (in U.S. Dollars drawn on U.S. banks) as\nrequired by this Agreement for all of these Purchases, plus interest charges and all other fees and charges owed under this Agreement (including, without limitation, all Purchases made or used by an Authorized User).\nUse of the Card or Account may include physical use, orders by mail or telephone, computer or other electronic transactions made without presenting the Card, or any other circumstance where you authorize\na charge or authorize someone else to make a charge to the Account. You agree to use the Card and the Account only for your own lawful personal, family or household purposes. You agree that you and\neach Authorized User will not use the Card or the Account for any business or commercial purposes or for any unlawful or illegal purposes. Such unlawful or illegal transactions include, but are not limited to,\nonline gambling transactions, and any betting transactions that are illegal under applicable law including the purchase of lottery tickets or casino chips, or off-track betting and wagering. We reserve the right\nto block all such transactions. However, in the event that a charge or transaction described in this disclosure is approved and processed, you will still be liable for the charge to the fullest extent permitted by\napplicable law. If this is a joint account, we may require that you pay the full amount owed without first asking any other person to pay.\n2. About the Financing Offers that Might be Available to You for Eligible Transactions:\nThe following financing offers may be available from time to time to accounts that are open and in good standing:\na. Generally: Notwithstanding any other provisions of this Agreement, we may occasionally, at our option, make certain financing offers available for certain types of Purchases (\xe2\x80\x9cPromotional\nOffers\xe2\x80\x9d). Details of the Promotional Offer will be described in the specific offer. Features of Promotional Offers may include, among other things, interest-free periods; deferral and forgiveness of interest if a\npurchase is paid in full within the promotional period (and any other conditions are satisfied); reduced interest rates; and/or special payment terms, including payments higher than otherwise required. The\nbenefits of Promotional Offers may be contingent upon payment of your Account in accordance with this Agreement and/or the Promotional Offers. Information about Promotional Offers will be shown\nseparately on your monthly billing statement (\xe2\x80\x9cStatement\xe2\x80\x9d) as long as the Promotional Offer is in effect. If you use your Account with a Promotional Offer, you acknowledge and agree that the specific terms\nof the Promotional Offer will modify and become part of this Agreement, and all other terms and conditions of this Agreement will apply to the Promotional Offer. The standard provisions of this Agreement\napply to all transactions not subject to a Promotional Offer. Subject to applicable law, we may condition any Promotional Offer on your compliance with the specified requirements and may not permit\nyou to participate in additional Promotional Offers, if any, if you are late on any payment(s).\nb. Promotional Offers that May be Available to You: If a Promotional Offer is available at the time of your purchase, you will receive information at that time regarding the terms of the offer.\nThere may be certain required minimum purchase amounts that must be met for a purchase to be eligible to be financed on a given Promotional Offer. There also may be other restrictions. The specific\nterms of the type of Promotional Offers that we may make available to you for certain transactions from time to time are as set forth below in this Section 2; provided, however, that such terms may be modified\nor supplemented by the terms set forth on or with the sales receipt that you receive at the time of the purchase.\nc. Examples of Promotional Offers that May be Available for Eligible Transactions:\nPromotional Offers with Deferred Interest and with Standard Payment Terms: For this type of Promotional Offer, deferred interest charges are computed at the APR for standard Purchases (listed in the\nInterest Rates and Interest Charges section of the Account Summary Table (the \xe2\x80\x9ctable of Interest Rates and Interest Charges\xe2\x80\x9d)) from the date of purchase until the end of the promotional period. If on-time\npayments on the Account have been made during the promotional period and the promotional Purchase balance is paid in full within the promotional period, the deferred interest charges are waived.\nIf the promotional purchase balance is not paid in full by the promotional expiration date, the total amount of deferred interest charges will be assessed to your Account. After the Promotional Offer period has\nexpired, interest will continue to be charged on the remaining balance (and also on any deferred interest assessed) at the then current standard APR for Purchases listed in the table of Interest Rates and Interest\nCharges, on any remaining balance until paid in full.\nFor this type of Promotional Offer there is no special payment calculation and the minimum payment relating to the promotional balance is calculated in accordance with Section 5 of this Agreement. If you\nonly make minimum monthly payments during the term of this Promotional Offer you will not pay off the promotional balance at the end of the promotional period and deferred interest will be assessed.\nPayments above the minimum amount due on your Statement are required pay off the promotional balance to avoid paying the deferred interest. The Promotional Offer period for this type of offer will\ngenerally be from 6 to 24 months.\nPromotional Offers with a 0% APR and with an Equal Number of Payments Term: For this type of Promotional Offer, the APR for Purchases will be 0% from the date of the purchase until the promotional\nbalance has been paid in full.\n\n\x0cFor this type of Promotional Offer, the minimum payments on the promotional balance are designed to pay the promotional balance in full at the end of the promotional term if on-time payments are made and\nwill equal the amount of the purchase divided by the number of months in the promotional period. This amount is then rounded up to the nearest dollar. The Promotional Offer period for this type of offer can\nbe from 12 to 96 months.\nPromotional Offers with a Reduced APR and with Fixed Monthly Payments Term: For this type of Promotional Offer, the APR for Purchases will be the reduced APR disclosed to you at the time of the purchase.\nWe will begin charging interest at the reduced APR from the first day of the billing cycle that begins immediately after the billing cycle in which the reduced APR promotional balance is added to your Account.\nYou can avoid paying interest on this type of Promotional Offer Purchase by paying all of the following, as shown on the first statement that includes the reduced APR promotional balance: 1) the required\nMinimum Payment Due; 2) all outstanding balance(s) with an APR higher than the APR on the reduced APR balance; 3) any deferred interest promotional balance that is within the last two billing cycles of the\napplicable promotional period; and 4) the total of the reduced APR promotional balance. Otherwise, interest at the reduced APR is charged from the first day of the billing cycle that begins immediately after\nthe billing cycle in which the reduced APR promotional balance is added to your Account until the promotional balance has been paid in full.\nFor this type of Promotional Offer, the minimum payments are designed to pay the promotional balance in full at the end of the promotional term if on-time payments are made. Payments are calculated by\nadding the promotional balance and the amount of interest that would be assessed on the promotional balance during the promotional term at the applicable APR if only on-time minimum payments are made.\nThis amount is then divided by the number of months of the promotional period and rounded up to the nearest dollar. The Promotional Offer period for this type of offer can be from 24 to 72 months.\n3. How We Calculate the Interest Charges on Your Account:\na. Interest and Any Minimum Interest Charges: Each billing cycle, we separately determine the interest charges on standard Purchases and each separate kind of promotional Purchase (each, a\n\xe2\x80\x9cType of Balance\xe2\x80\x9d). For each Type of Balance, we determine interest charges each billing cycle by multiplying the Balance Subject to Interest Rate by the applicable Daily Periodic Rate (see Section 4 for Interest\nRate information) and by then multiplying the result by the number of days in the billing cycle. For each Type of Balance, the Balance Subject to Interest Rate is the average daily balance (including new\ntransactions), as calculated pursuant to Section 3.b. below. To get the total interest charges each billing cycle, we add together the interest charges for all Type of Balances. We charge a Minimum Interest\nCharge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) of $1.00 in any billing cycle in which you owe interest. If a minimum interest charge is assessed on your Account in a billing cycle, it will appear on your Statement as a \xe2\x80\x9cMinimum\nCharge\xe2\x80\x9d and will be included in the \xe2\x80\x9cInterest Charged\xe2\x80\x9d section on your Statement.\nb. How We Will Calculate Interest on Your Account: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions)\xe2\x80\x9d to compute the interest charge. For each Type of Balance, the\nBalance Subject to Interest Rate is the total of the closing daily balances for such Type of Balance for all the days in the billing cycle (treating any negative balance as $0), divided by the number of days in such\ncycle. Generally, the closing daily balance for each Type of Balance equals the balance at the beginning of the day, plus any new transactions of the same Type of Balance and less any payments applied to such\ntransactions. At the beginning of each billing cycle, the closing daily balance for each Type of Balance will also include any applicable interest charges and fees carried over from the immediately preceding billing\ncycle; and in the case of a deferred interest Promotional Offer, it will include any interest charges that may have been assessed on the unpaid promotional balance at the end of the Promotional Offer term.\nc. How Interest Accrues and How to Avoid Paying Interest on Purchases: On each Purchase, interest begins to accrue on the transaction date. Generally, you can avoid paying interest on\nstandard Purchases in any given billing cycle if you pay your entire statement closing date balance (identified on your Statement as the \xe2\x80\x9cNew Balance\xe2\x80\x9d) for that billing cycle in full by the Payment Due Date\nreflected on that Statement.\nIf you have a promotional balance(s) on your Account, you may still be able to avoid paying interest on standard Purchases provided you pay by the Payment Due Date, the amount that equals the required\nMinimum Payment Due for that billing cycle plus the total outstanding standard Purchase balance as of the first day of that billing cycle.\nFor each Type of Balance that is a separate kind of promotional Purchase, please see Section 2 of this Agreement for more information about how to avoid paying interest on these transactions.\nd. Treatment of Late Fees and Returned Payment Fees: We do not charge interest on Late Fees or Returned Payment Fees.\n4. The Interest Rates on your Account: The \xe2\x80\x9cAnnual Percentage Rate\xe2\x80\x9d or \xe2\x80\x9cAPR\xe2\x80\x9d is the annual rate of interest charged on Account balances. In connection with a special promotion we may charge a reduced\npromotional rate of interest (which could be as low as a 0% APR). The Daily Periodic Rate (\xe2\x80\x9cDPR\xe2\x80\x9d) will equal the APR divided by 365. See the enclosed Account Summary Table for the APR(s) on this Account\nand the corresponding DPR(s).\n5. A Minimum Payment is Due Each Month: Each billing cycle you agree to pay at least the minimum payment due by the payment due date shown on your monthly Statement (the \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d).\nEach Minimum Payment Due will be due the same day of each month (\xe2\x80\x9cPayment Due Date\xe2\x80\x9d) as reflected on the Statement (which will be at least 25 days after your statement closing date each month).\nThe Minimum Payment Due will be calculated as follows:\n(1) For each Purchase balance without a special payment calculation, the greater of: (a) interest charges assessed during the billing cycle plus 1% of the outstanding balance on which interest was\ncalculated, or (b) 3.5% of the outstanding balance, each rounded up to the nearest dollar; plus\n(2) each payment amount due in connection with each balance that is subject to a Promotional Offer that has a special payment calculation as described in Section 2 of this Agreement, rounded\nup to the nearest dollar; plus\n(3) any applicable fees and charges (except interest charges) assessed in the particular billing cycle; plus\n(4) any past due amount.\nThis amount is then rounded up to the nearest dollar.\nCredits, adjustments, refunds and similar Account transactions may not be used in place of payment of any portion of a required minimum payment. If you pay ahead by paying more than the Minimum Payment\nDue in one billing cycle, you will not be excused from paying the Minimum Payment Due in subsequent billing cycles.\n6. If You Pay Late You Will be Assessed a Late Fee: The first time a Minimum Payment Due is not received by the Payment Due Date on the Statement, we may charge you a late fee of an amount equal to\nthe Minimum Payment Due or $27, whichever is less. If over the next six billing cycles, the Minimum Payment Due is not received by the Payment Due Date on the Statement, we will charge you a late fee of\nan amount equal to the Minimum Payment Due or $38, whichever is less. You understand and agree that at our option, such late fee will be immediately due and payable.\n7. If a Payment is Returned You Will be Assessed a Returned Payment Fee: The first time you pay with a check and your check is returned to us by your financial institution unpaid or dishonored, we may\ncharge you a returned payment fee of an amount equal to the Minimum Payment Due or $25, whichever is less. If over the next six billing cycles, you pay with a check and your check is returned to us by your\nfinancial institution unpaid or dishonored, we will charge you a returned payment fee of an amount equal to the Minimum Payment Due or $35, whichever is less. You understand and agree that at our option,\nsuch returned payment fee will be immediately due and payable.\n8. Administrative Fees: If you request a copy of a Statement or sales draft or payment check, you will pay a fee so long as it is not prohibited by applicable law. The amount of the fee will be disclosed at the time\nyou request this optional service. However, you will not be charged for copies of billing Statements, sales drafts, or other documents that you request for a billing error/inquiry you may assert under applicable law.\n9. Your Credit Limit:\na. Generally: Your initial credit limit for the Account is shown in the materials that accompany the Card(s) and documents we send to you when your Account is opened. Your current credit limit\nfor the Account will be shown on your Statement. You also may telephone Customer Service at the number on the back of your Card or your Statement to find out what your current credit limit is.\nb. Changes to Your Credit Limit: In our discretion, at any time, subject to applicable law, we may increase or decrease the credit limit that applies to your Account without providing prior notice\nto you. We will provide notification of any such change by mail and your credit limit will be listed on the Statement. You may ask us to change your credit limit by contacting Customer Service at the number\non the back of your Card or your Statement. We do not have to agree to any such request.\nc. Going Over Your Credit Limit: You agree to not go over your credit limit. You also agree that the Bank may permit you to go over your limit, but is not required to do so. If your Account goes\nover your credit limit, you agree to pay the over limit amount when it is billed to you, or sooner upon our request. If we permit you to exceed your credit limit, we will not have waived any of our rights under\nthis Agreement, and we do not have to allow you to exceed your credit limit at a later date.\n10. Your Monthly Billing Statements: We will send a Statement to the physical address on our records each month if required by applicable law. If you have agreed to receive electronic statements, we will\nsend a notification email to the email address we have in our records when your Statement is ready and you may access your statements online at https://www.myonlineaccount.net or such other website we\nmake available to you.\n11. How Your Payments Are Applied to Your Account Balance: Subject to the following and applicable law, payments will generally be applied first to the oldest Purchases.\na. How the Minimum Payment is Applied to Your Account: We will generally apply your Minimum Payment Due in the following order: (i) to interest charges and other fees; (ii) to purchase\ntransactions with the lowest Daily Periodic Rates and corresponding APRs.\nb. Application of Payments in Excess of Minimum Payment. We will generally apply payments and credits in excess of the Minimum Payment Due in the following order: (i) to purchase transactions\nwith the highest Daily Periodic Rates and corresponding APRs; (ii) to purchase transactions with the lowest Daily Periodic Rates and corresponding APRs; and (iii) to interest charges and other fees.\nc. Application of Payments during a Deferred Interest Promotional Offer Period: If you have one or more deferred interest Promotional Offer on your Account (where you were told that no\ninterest would be assessed if you paid the promotional balance in full by the end of the promotional period), payments will be applied differently during the last two billing cycles before the expiration of the\ndeferred interest promotional plan to help ensure that as much of the outstanding balance as possible is repaid by the end of the promotional period. We will apply any payments in excess of the Minimum\nPayment Due to the promotional plan balance. If more than one promotional offer is expiring when a payment in excess of the Minimum Payment Due is received, we may apply the payment in any manner\npermitted by applicable law. See Section 2 of this Agreement, as well as disclosures provided to you at the time of the deferred interest offer for more information on this type of promotional offer.\n12. How You Can Make Payments on Your Account: YOU MAY AT ANY TIME PAY OFF THE FULL UNPAID BALANCE OR PART OF THE UNPAID BALANCE UNDER THIS AGREEMENT. For purposes of this\nSection 12, the term \xe2\x80\x9cbusiness day of the Bank\xe2\x80\x9d or \xe2\x80\x9cbusiness day\xe2\x80\x9d means Monday through Saturday (excluding bank holidays).\na. Payments by Mail: Payments must be sent to the address designated on the Statement. Payments received at such address with the return portion of the Statement by 5:00 PM Eastern Time\non a business day will be credited on the day of receipt. However, if the payment due date falls on a day when we do not accept payments, we will not treat any payment as late if we receive it by 5:00 PM\nEastern Time on the following business day. Payments received after 5:00 PM Eastern Time Monday through Saturday (excluding bank holidays) will be credited on the next business day.\n\n\x0cThere may be a five (5) day delay of crediting if payments are not received in U.S. dollars, not made in the envelope provided with the Statement and accompanied by the payment stub which is part of the\nStatement, and/or not received at the address for payments designated on the Statement. You will need to allow up to seven (7) days for the U.S. Postal Service to deliver your payment. Payments must be\nmade by check or money order payable in U.S. funds and drawn on a financial institution located within the United States. We do not accept payments on this Account at our branches.\nYour available credit may not be immediately increased by the amount of your payment for up to seven (7) days to ensure we collect the funds from the bank on which your payment is drawn. If you\noverpay or if there is a credit balance on your Account, you will not be paid interest on that amount.\nb. Automated Touch-Tone Bill Payment: By calling us at 1-888-382-6665 and using the automated touch-tone bill payment service, you may authorize us or our agent to automatically initiate a\nsingle entry ACH debit to your checking account. By using this service, you authorize your financial institution to accept these debits and charge them to your checking account. Payments arranged by 5:00\nPM Eastern Time on a business day of the Bank will be credited on a same-day basis. Payments arranged after 5:00 PM Eastern Time on a business day or on a non-business day will be credited on the next\nbusiness day. This is a secure system, and your financial institution information will not be shared for any reason other than for automated payments.\nc. Same Day Telephone Payments: You may also call us and arrange for an expedited payment through a customer service representative. By doing so, you will authorize us or our agent to\nautomatically initiate a single entry ACH debit to your checking account and will authorize your financial institution to accept these debits and charge them to your checking account. Payments arranged by 5:00\nPM Eastern Time on business days will be credited on a same-day basis and payments arranged after 5:00 PM Eastern Time on a business day or on a non-business day will be credited on the next business day.\nd. Pay Online: You may make a single payment or set up recurring payments to your Account by enrolling in the Online Account Management service at: https://www.myonlineaccount.net or\nsuch other website we make available to you. To enroll, you must enter your Account number, social security number, and zip code and authorize such payments. Payments requested by 5:00 PM Eastern Time\nwill be credited to your Account on the same day. Payments requested after 5:00 PM Eastern Time will be credited on the next day to your Account. A payment requested by 5:00 PM Eastern Time on a weekend\nor federal holiday will be credited as of the day you make the payment.\ne. Electronic Fund Transfer: If you utilize a check to make payment on this Account, you authorize us to either use the information from the check to make a one-time electronic fund transfer\nfrom your checking or deposit account or to process the payment as a check transaction. When we use the information from your check to make an electronic fund transfer, the funds may be withdrawn from\nyour checking or deposit account as soon as the same day you make the payment and you understand you may not receive the check back from your financial institution.\n13. If Your Payment is Returned Unpaid: If a payment you make is not honored by your bank and it has already been credited by us to your Account, we will reverse the credit and add the amount of the\npayment back to the Account as of the day the payment was first credited to the Account.\n14. Irregular Payment and Delay in Enforcement: We may accept late payments, partial payments, check and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having the same effect without losing any of\nour rights under this Agreement. We can also delay enforcing our rights under this Agreement any number of times without losing them. If we at any time honor a purchase in excess of your maximum credit\nlimit, we are not obligated to do so at any other time.\n15. If You Have a Credit Balance: We will make a good faith effort to return to you any credit balance on your Account over $1.00 if the credit balance has been on your Account longer than six (6) months\n(or, in our discretion, for a shorter time period). You may also request a refund of a credit balance on your Account at any time, by sending your request to Customer Service at P.O. Box 731 Mahwah, New\nJersey 07430, by first class mail, postage prepaid. We may reduce the amount of any credit balance on your Account by applying the credit balance towards new fees and charges posted to your Account.\n16. Purchases Made by Your Authorized Users: We may allow you to have Authorized Users who may use your Account. When you allow an Authorized User to use your account, you will be liable for all\ntransactions made by the person, including transactions for which you may not have intended to be liable, and even if the amount of liability causes you to exceed your credit limit. You must notify us at the\ntelephone number on the back of your Card to revoke your permission to allow an Authorized User to use your Card or Account. Until you revoke your permission, you remain responsible for all charges made\nby the Authorized User, even if you did not intend to be liable.\n17. Entire Agreement: You agree that this Agreement (as amended and supplemented from time to time), including the Account Summary Table, and the application constitute the final expression of the\nagreement between you and us and that this Agreement may not be contradicted by evidence of any prior, contemporaneous or subsequent oral agreement between you and us regarding your Account. The\nretail store and its employees have no authority to change, add to or explain the terms of this Agreement except to provide you with our Promotional Offers. For more information or questions, call Customer\nService at the number on the back of your Card.\n18. If You Default on This Agreement: You agree that you will be in default, and we will not be obligated to honor any attempted use of your Account (even if we do not give you advance notice) if any of the\nfollowing events occurs:\n\xe2\x80\xa2\nWe do not receive a required minimum payment by 5 p.m., Eastern Time, on the Payment Due Date, accompanied by your Statement\xe2\x80\x99s payment stub (if mailed), or\nwe do not receive any other payment required by this Agreement when such payment is due.\n\xe2\x80\xa2\nYou exceed the credit limit.\n\xe2\x80\xa2\nYou die or are declared legally incompetent or incapable of managing your affairs, become insolvent, file for bankruptcy, or otherwise become the subject of a\nbankruptcy petition or filing.\n\xe2\x80\xa2\nYou give us false or misleading information at any time in connection with your Account.\n\xe2\x80\xa2\nYou send us a check or similar instrument that is returned to you unpaid, or any automatic, electronic or other payment on your Account cannot be processed or is\nreturned unpaid, for any reason, within the last six (6) billing cycles.\n\xe2\x80\xa2\nYou breach or otherwise fail to comply with any term or condition of this Agreement.\n\xe2\x80\xa2\nWe have reason to suspect that you or any Authorized User may have engaged or participated in any unusual, suspicious, fraudulent, or illegal activity on your Account.\n\xe2\x80\xa2\nYou do not give us any updated information about your finances, employment, or any other information we may reasonably request, promptly after the request.\nUpon default: (a) we will not be obligated to honor any attempted use of your Account (even if we do not give you advance notice); (b) we may require you to pay at once all or any portion of the balance outstanding\nunder the Account; and (c) we may exercise any right provided by this Agreement or applicable law.\n19. Your Liability for Unauthorized Use: If your Card is lost or stolen or if you believe someone may have used your Account without your permission, you must notify us at once. You may be liable for the\nunauthorized use of your Account. You will not be liable for unauthorized use that occurs after you notify us by writing to P.O. Box 731 Mahwah, New Jersey 07430 or verbally by calling Customer Service at\n1-866-731-9735, of the loss or theft of the Card or the possible unauthorized use of the Account. Your maximum liability is $50. Subject to any restrictions of applicable law, we may terminate or limit access\nto your Account if you have notified us or we have determined that your Card may have been lost or stolen, or that there may be unauthorized access to your Account.\n20. Closing Your Account:\na. We May Close your Account at Any Time: We may without prior notice suspend or close your Account to new transactions at any time, for any reason, including but not limited to a change to\nyour creditworthiness or Account inactivity. If we suspend or close your Account to new transactions, you agree to pay us all amounts you owe under this Agreement (including any future interest charges or\nfees), under the terms and conditions of this Agreement, and you agree that we are not liable to you for any consequences resulting from closing your Account. If you are in default, we may close your Account\nand require you to pay us the entire amount owed under this Agreement if full, immediately. We may also increase the dollar amount of your minimum payment, subject to applicable law. If we close your\nAccount to new transactions, you must immediately destroy all Cards and other Account access devices (cut, tear, or otherwise deliberately damaged the devices to prevent unauthorized use by third parties).\nb. You May Ask Us to Close Your Account: You may ask us to close your Account to new transactions at any time, by notifying Customer Service at P.O. Box 731 Mahwah, New Jersey 07430, by\nfirst class mail, postage prepaid, and returning all Cards and other Account access devices to us (cut, torn, or otherwise deliberately damaged to prevent unauthorized use by third parties) with your written\nnotice or contacting us by calling Customer Service at the number on the back of your Card. If you request to close your Account by phone, we reserve the right to require a written notice from you. You also\nagree to stop using the Account immediately after you notify us that you want to close your Account to new transactions.\n21. The Address on Your Account and Our Notices to You: If required by applicable law, we will send Statements and Account notices to your physical address on our records. If you have agreed to receive\nelectronic Statements and Account notices, we will send a notification email to the email address we have in our records when such documents are ready and you may access them online at\nhttps://www.myonlineaccount.net or such other website of which we will notify you. You will promptly inform us of any change in your email address or your mailing address. You may change your address\nby writing to us at Customer Service, P.O. Box 731 Mahwah, New Jersey 07430 or by calling us at the number on the back of your Card. We may in our discretion accept changes to your mailing address from\nthe U.S. Postal Service. If this is a joint Account, we may send billing statements and notices to either of you.\n22. Our Rights Continue: Any failure or delay in exercising any of our rights under the Agreement will not preclude us from later exercising those rights.\n23. Changing This Agreement: Subject to applicable law, we may change this Agreement at any time or from time to time. For example, we may change the addresses and telephone numbers you should use\nto contact us, change fees, add new fees, change the interest rates or rate formulas that apply to your Account, increase your minimum payment due or add, delete or modify non-economic terms. We will\nnotify you of changes to this Agreement as required by applicable law. Any change, including any increase or decrease in the APRs on your Account, will become effective at the time stated in our notice and\nwill apply to those balances, including new transactions, on your Account as described in our notice. If you have agreed to receive electronic Account notices, we may send a notification email to the email\naddress we have in our records when such notices are ready and you may access them online at https://www.myonlineaccount.net or such other website of which we will notify you. If required by applicable\nlaw, we will mail any required change in terms notice to the then-current address we have on file for your Account.\n24. Your Credit Performance: Your Account was established based upon criteria reflecting your particular credit history, and we will from time to time review your credit performance. If you do not maintain your\npast level of credit performance, we may change some or all of your Account terms and we will notify you as to such changes in accordance with applicable law.\n25. Your Credit Information and Your Credit Report: You authorize us to obtain credit reports in connection with this Agreement and from time to time in connection with the review of your Account, or any\nupdate, extension or renewals of your Account, and for the purposes of collection of your Account. You authorize us to verify with others any information and to provide information about our transactions\nwith you to third parties (including consumer reporting agencies, merchants and other lenders) for lawful purposes. YOU UNDERSTAND WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT\nBUREAUS. SUBJECT TO APPLICABLE LAW, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.\n26. How to Dispute Credit Reports Regarding Your Account: If you think the information we furnished to consumer reporting agencies on the Account is not accurate, you should write us at P.O. Box 731,\nMahwah, NJ 07430 Attn: Credit Report Dispute. You may experience a delay if you do not write to this address. In order for us to investigate your dispute, you will need to provide us with your name, address,\n\n\x0cand telephone number; the Account number you are disputing; and why you believe there is an inaccuracy. We will complete any investigation and notify you of our findings and, if necessary, corrections. You\nunderstand that calling us will not preserve your rights.\n27. Your Authorization for Automatic Dialing and Monitoring/Recording of Calls: Telephone calls may be made to you using an automatic dialing-announcing device. Your telephone conversations with\nemployees or agents of ours may be monitored and/or recorded. We also may monitor and record mail or conversations on our Websites between you and us and you and our agents, whether initiated by you\nor us or our agents. Use of your Account will signify your consent to such use of an automatic dialing announcing device, monitoring, and/or recording.\n28. Telephone Numbers We May Use to Contact You. When you give us your mobile phone number, we have your permission to contact you at that number about all of your TD Bank accounts. Your consent\nallows us to use text messaging, artificial or pre-recorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls. It may include\ncontact from companies working on our behalf to service your accounts. Message and data rates may apply. You may contact us anytime to change these preferences.\n29. Assignment. We may at any time assign or sell this Account, any sums due on this Account, this Agreement, or your rights or obligations under this Agreement. Any person(s) to whom we make any\nsuch assignment or sale shall be entitled to all of our rights under this Agreement, to the extent assigned. You may not sell, assign or transfer your Account or any of your obligations under this Agreement.\n30. Governing Law: Applicable federal law and the substantive laws of the State of Delaware (to the extent not preempted by federal law) without regard to principles of conflict of law or choice of law,\nshall govern this Agreement including the rate of interest and fees.\n31. Your Consent to Receive Electronic Disclosures. If you applied for this Account electronically, you agreed that any and all account opening disclosures and/or notices required by applicable law and regulation\nmay be delivered to you electronically, so long as you have not withdrawn consent. Other documents that we may make available to you electronically from time to time, and after we have obtained your consent,\ninclude but are not limited to disclosures required by the Federal Truth in Lending Act, notices or disclosures required by the Equal Credit Opportunity Act or Fair Credit Reporting Act, privacy notices, changes in\nterms, account statements, and any other notices required by federal or state law to be provided to you in writing.\nYou may request a paper copy of any notice you receive electronically and any required notice will be provided at no charge to you. If this is a joint account, any account holder may elect to receive electronic\nnotices and that election will apply to all account holders. You may withdraw your consent to receive documents electronically at any time. To withdraw your consent or request paper copies of notices, you\nmust call us at 1-866-731-9735. However, withdrawing such consent may result in your account being closed. You must notify us of any change in your e-mail address by calling us at the number listed\nabove. In order to receive this information electronically, you must have a PC using Microsoft Internet Explorer 8\xc2\xae or greater, or other current version of Google Chrome\xc2\xae, Mozilla Firefox\xc2\xae, or Google Safari\xc2\xae.\nAll browsers must support JavaScript, Cookies and SSL (Secured Socket Layer) for channel encryption, using 128-bit encryption. You must have a public IP address that does not change mid-session,\notherwise for security reasons the session will be terminated.\n32. Security Interest: You hereby give us a first priority purchase-money security interest in any items purchased under the Account, including Internet, telephone, and mail order Purchases made by you or\nany person you authorize to use the Account, and the proceeds thereof, including insurance proceeds. Additionally, you authorize us to file any financing statements showing our security interest in the purchase\nand proceeds thereof without your signature, or in the event state law requires your signature, you agree to join in executing all necessary financing statements in a form satisfactory to us. Any given purchase\nwill remain as security for all purchases until such time as that purchase is completely paid for, and you agree that your payments will be deemed applied as stated in Section 11 of this Agreement.\nNOTICES\nA.\nYOU MAY AT ANY TIME PAY YOUR TOTAL INDEBTEDNESS UNDER THIS AGREEMENT.\nB.\nYOU WILL KEEP A COPY OF THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS.\nC.\nSUBJECT TO APPLICABLE LAW, THE BANK CAN CHANGE THE TERMS OF, ADD NEW TERMS TO, OR DELETE TERMS FROM THIS AGREEMENT. THE BANK WILL GIVE YOU ADVANCE NOTICE OF\nTHE CHANGE, ADDITION OR DELETION WHEN REQUIRED BY APPLICABLE LAW. ANY CHANGE, ADDITION, OR DELETION TO THIS AGREEMENT WILL BECOME EFFECTIVE AT THE TIME STATED IN THE NOTICE.\nNOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES\nOBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.\nNew Jersey Residents: Certain provisions of this Agreement may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, are void, unenforceable or inapplicable in\nNew Jersey.\nActive Duty Service Members and Dependents: Effective October 3, 2017, the following important notice applies if you are an active duty service member or a dependent of one at the time you request an\nAccount. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of\nthe Armed Forces and his or her dependents may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit\ninsurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation fees for a credit card account). If you would like more information regarding your account, please call us at 1-800-877-7467.\n_________________________________________________________________________________________________________________________________________________________________\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at: Customer Service at P.O. Box 731 Mahwah, New Jersey 07430\nIn your letter, give us the following information:\n\xe2\x80\xa2\nAccount Information: Your Name and Account number.\n\xe2\x80\xa2\nDollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2\nDescription of the problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2\nWithin 90 days of receiving your letter, we must either correct the error or explain why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we don\xe2\x80\x99t follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay\nthe remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.\n3\nYou must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Customer Service at P.O. Box 731 Mahwah, New Jersey 07430\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do\nnot pay, we may report you as delinquent.\nFRED MEYER/LITTMAN JEWELERS (0418)\n\n\x0c'


b'ACCOUNT SUMMARY TABLE\n\nNON L&G\xe2\x80\xa2CAP76618\xe2\x80\xa20521\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) 29.99%\nfor Purchases\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nHow to Avoid Paying Interest\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\nAnnual Fees\n\ninterest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\nNone\n\nPenalty Fees\nUp to $40\n\xe2\x80\xa2 Late Fee\n\xe2\x80\xa2 Returned Payment Fee Up to $35\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d See Section 3 of your Cardholder\nAgreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.\nRight to Reject: If you made a phone purchase with the account before receiving your Cardholder Agreement in writing, you may reject the account. To reject the\naccount, you must call TD Bank at 1-800-252-2551 within 45 days of opening the account. If you do so, the account will be closed and you will be not responsible\nfor any fees or charges on the account. You must also return any undamaged merchandise. Alternatively, you may pay for the merchandise with another form of\npayment. Returns made as part of your right to reject are not subject to mailing or return-shipment costs.\nCurrent Rates on the Account: The Daily Periodic Rate for standard Purchases is 0.082164% (which corresponds to an APR of 29.99%).\nActive Duty Service Members and Dependents: If you would like more information about special protections that may apply to your account, please call 1-800-877-7467.\nThe information about the costs of credit described in this Account Summary Table and the Cardholder Agreement is accurate as of May 2021. This information may have changed\nafter that date. To find out what has changed, call us at 1-800-252-2551 or write to us at: P.O. BOX 100114, Columbia, South Carolina 29202-3114.\nYOUR CARDHOLDER AGREEMENT WITH US\nIn this Cardholder Agreement (the \xe2\x80\x9cCardholder Agreement\xe2\x80\x9d or \xe2\x80\x9cAgreement\xe2\x80\x9d) \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the borrower(s) and \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d mean TD Bank, N.A. \xe2\x80\x9cAccount\xe2\x80\x9d\nmeans the credit Card Account governed by this Agreement. \xe2\x80\x9cCard\xe2\x80\x9d means any device we provide to you to access your Account. Card may include, but is not limited to, your\nAccount number stored on a participating website or mobile wallet (your \xe2\x80\x9cVirtual Card\xe2\x80\x9d), physical cards, electronic tokens, or any other access device we authorize. You may only\nreceive a Virtual Card when you open your Account. You may or may not receive a physical Card depending on the program.\nYour Card is issued and your Account is owned by TD Bank, N.A. All extensions of credit in connection with the Account are made by the Bank. This Agreement establishes the\nterms of the Account. You should retain it for your records. By signing for your first purchase, keeping or otherwise accepting the Card or Account, you agree to the terms and\nconditions of the Agreement.\n1. Your Promise to Pay and How to Use Your Account: You will be liable for all use of the Card or the Account by you or by any person with actual, implied, or apparent authority\nto act for you or to use the Card or the Account, including but not limited to any person you have designated to us as an authorized user (\xe2\x80\x9cAuthorized User\xe2\x80\x9d). Any such use will\nconstitute acceptance of all the terms and conditions of this Agreement, even though this Agreement is not signed.\nYou authorize us to charge your Account for all purchases resulting from the use of the Card or the Account (each a \xe2\x80\x9cPurchase\xe2\x80\x9d). You promise to pay us in U.S. Dollars drawn on\na U.S. bank for all of Purchases, plus interest charges and all other fees and charges owed under this Agreement.\nUse of the Card or Account may include physical use, orders by mail or telephone, computer or other electronic transactions made without presenting the Card, or any other\ncircumstance where you authorize a charge or authorize someone else to make a charge to the Account. You agree to use the Card and the Account only for your own lawful\npersonal, family or household purposes. You agree that you and each Authorized User will not use the Card or the Account for any business or commercial purposes. If this is a\njoint account, we may require that you pay the full amount owed without first asking any other person to pay.\n2. About the Financing Offers that May be Available to You for Eligible Transactions:\na. Generally: Notwithstanding any other provisions of this Agreement, we may, at our option, make certain financing offers available for certain types of Purchases (\xe2\x80\x9cPromotional\nOffers\xe2\x80\x9d). Details of the Promotional Offer, such as minimum purchase requirements or other restrictions, will be described in the specific offer. Features of Promotional Offers may\ninclude, among other things, interest-free periods; deferral and forgiveness of interest if a purchase is paid in full within the promotional period; reduced interest rates; and/or\nspecial payment terms, including payments higher than otherwise required. The benefits of Promotional Offers may be contingent upon payment of your Account in accordance\nwith this Agreement and/or the Promotional Offers. Information about Promotional Offers will be shown separately on your monthly billing statement (\xe2\x80\x9cStatement\xe2\x80\x9d) while the\nPromotional Offer is in effect. If you use your Account for a Promotional Offer, you acknowledge and agree that the specific terms of the Promotional Offer will modify and become\npart of this Agreement, and all other terms and conditions of this Agreement will apply to the Promotional Offer. Subject to applicable law, the Bank may revoke any Promotional\nOffer if any required minimum payment is 60 days past due. This means that a 0% or reduced APR balance may be moved to your standard Purchase APR, and any\ninterest that has accrued on a deferred interest Promotional Offer may be added to your balance.\nb. Examples of Promotional Offers that May be Available for Eligible Transactions:\nPromotional Offers with Deferred Interest and with Standard Payment Terms: For this type of Promotional Offer, deferred interest charges are computed at the APR for standard\nPurchases listed in the Account Summary Table from the date of purchase until the end of the promotional period. If on-time payments on the Account are made during the\npromotional period and the promotional Purchase balance is paid in full before the end of the promotional period, the deferred interest charges are waived. After the Promotional\nOffer period has expired or your Account becomes 60 days past due, your Promotional Offer will be revoked and the deferred interest will be assessed. Thereafter, interest will\ncontinue to be charged on any remaining balance (and also on any deferred interest assessed) at the then current standard APR for Purchases listed in the Account Summary\nTable, until paid in full.\nFor this type of Promotional Offer there is no special payment calculation and the minimum payment for the promotional balance is calculated in accordance with Section 5 of\nthis Agreement. Making only the minimum monthly payment will not pay off the promotional balance by the end of the promotional period and deferred interest will\nbe assessed. Larger payments are required to pay off the promotional balance to avoid paying the deferred interest. The Promotional Offer period for this type of offer\nwill generally be from 6 to 24 months.\nPromotional Offers with a 0% APR and with an Equal Number of Payments: For this type of Promotional Offer, the APR for Purchases during the promotional period will be\n0%. If your account becomes 60 days past due, interest will be charged on any remaining balance at the then current standard APR for Purchases listed in the Account Summary\nTable. Payments will generally equal the amount of the purchase divided by the number of months in the promotional period, rounded up to the nearest dollar. The Promotional\nOffer period for this type of offer will generally be from 12 to 100 months.\nPromotional Offers with a Reduced APR and with Fixed Monthly Payments: For this type of Promotional Offer, the APR for Purchases will be the reduced APR disclosed to\nyou at the time of the purchase. We will begin charging interest at the reduced APR from the first day of the billing cycle that begins immediately after the billing cycle in which\nthe reduced APR promotional balance is added to your Account. You can avoid paying interest on this type of Promotional Offer Purchase by paying all of the following, as shown\non the first statement that includes the reduced APR promotional balance: i) the required Minimum Payment Due; ii) all outstanding balance(s) with an APR higher than the APR\n\n\x0con the reduced APR balance; iii) any deferred interest promotional balance that is within the last two billing cycles of the promotional period; and iv) the total of the reduced\nAPR promotional balance. Otherwise, during the promotional period, interest at the reduced APR is charged from the first day of the billing cycle that begins immediately after\nthe billing cycle in which the reduced APR promotional balance is added to your Account. If your account becomes 60 days past due, interest will be charged on any remaining\nbalance at the then current standard APR for Purchases listed in the Account Summary Table.\nPayments are calculated by adding the promotional balance and the estimated amount of interest that would be assessed on the promotional balance during the promotional\nterm at the applicable APR if only on-time minimum payments are made. This amount is then divided by the number of months of the promotional period and rounded up to the\nnearest dollar. The Promotional Offer period for this type of offer will generally be from 24 to 72 months.\n3. How We Calculate the Interest Charges on Your Account:\na. Interest and Any Minimum Interest Charges: Each billing cycle, we separately determine the interest charges on standard Purchases and each separate kind of promotional\nPurchase (each, a \xe2\x80\x9cType of Balance\xe2\x80\x9d). For each Type of Balance, we determine interest charges each billing cycle by multiplying the Balance Subject to Interest Rate by the applicable\nDaily Periodic Rate (see Account Summary Table for Interest Rate information) and by then multiplying the result by the number of days in the billing cycle. For each Type of Balance,\nthe Balance Subject to Interest Rate is the average daily balance (including new transactions), as calculated pursuant to Section 3.b. below. To get the total interest charges each\nbilling cycle, we add together the interest charges for all Type of Balances. We charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) of $1.00 in any billing cycle in which\nthe interest charge calculated under this Section 3 is less than $1.00. If a minimum interest charge is assessed on your Account in a billing cycle, it will appear on your Statement\nas a \xe2\x80\x9cMinimum Charge\xe2\x80\x9d and will be included in the \xe2\x80\x9cInterest Charged\xe2\x80\x9d section on your Statement.\nb. How We Will Calculate Interest on Your Account: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions)\xe2\x80\x9d to compute the interest charge. For each\ntype of Balance, the Balance Subject to Interest Rate is the total of the closing daily balances for such Type of Balance for all the days in the billing cycle (treating any negative\nbalance as $0), divided by the number of days in such cycle. Generally, the closing daily balance for each Type of Balance equals the balance at the beginning of the day plus\nany new transactions of the same Type of Balance and less any payments applied to such balance. At the beginning of each billing cycle, the closing daily balance for each Type\nof Balance will also include any applicable interest charges and fees carried over from the immediately preceding billing cycle; and in the case of a deferred interest Promotional\nOffer, it will include any interest charges that may have been assessed on the unpaid promotional balance at the end of the Promotional Offer term.\nc. How Interest Accrues and How to Avoid Paying Interest on Purchases: On each Purchase, interest begins to accrue on the transaction date. Generally, you can avoid paying\ninterest on standard Purchases in any given billing cycle if you pay your entire statement closing balance (identified on your Statement as the \xe2\x80\x9cNew Balance\xe2\x80\x9d) for that billing cycle\nin full by the Payment Due Date reflected on that Statement.\nIf you have a promotional balance(s) on your Account, you may still be able to avoid paying interest on standard Purchases provided you pay by the Payment Due Date the amount\nthat equals the required Minimum Payment Due for that billing cycle plus the total outstanding standard Purchase balance as of the first day of that billing cycle.\nFor each Type of Balance that is a separate kind of promotional Purchase, please see Section 2 of this Agreement for more information about how to avoid paying interest on\nthese transactions.\nd. Treatment of Late Fees and Returned Payment Fees: We do not charge interest on Late Fees or Returned Payment Fees.\n4. The Interest Rates on your Account: The \xe2\x80\x9cAnnual Percentage Rate\xe2\x80\x9d or \xe2\x80\x9cAPR\xe2\x80\x9d is the annual rate of interest charged on Account balances. In connection with a special\npromotion we may charge a reduced promotional rate of interest (which could be as low as a 0% APR). The Daily Periodic Rate (\xe2\x80\x9cDPR\xe2\x80\x9d) will equal the APR divided by 365. See\nthe Account Summary Table for the APR(s) on this Account and the corresponding DPR(s).\n5. A Minimum Payment is Due Each Month: Each billing cycle you agree to pay at least the minimum payment due by the payment due date shown on your monthly Statement\n(the \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d). Each Minimum Payment Due will be due the same day of each month (\xe2\x80\x9cPayment Due Date\xe2\x80\x9d) as reflected on the Statement (which will be at least\n25 days after your statement closing date each month).\nThe Minimum Payment Due will be calculated as follows:\nThe greater of:\na. 3.5% of each outstanding Purchase balance - without a special payment calculation; PLUS each payment amount due in connection with each balance that is subject\na. to a Promotional Offer that has a special payment calculation (e.g. Equal or Fixed Monthly Payment offers), each rounded up to the nearest dollar; OR\nb. $29. However, if a payment of $29 for each month during the promotional period would pay off the balance on a Deferred Interest Promotional Offer before the\nb. promotional expiration date, then the minimum payment shall be calculated as set forth in (1) above; PLUS\nc. any applicable fees and charges (except interest charges) assessed in the billing cycle; PLUS\nd. any past due amount\nThis amount is then rounded up to the nearest dollar.\nCredits, adjustments, refunds and similar Account transactions will not reduce your Minimum Payment Due. If you pay ahead by paying more than the Minimum Payment Due in\none billing cycle, you will not be excused from paying the Minimum Payment Due in subsequent billing cycles.\n6. How You Can Make Payments on Your Account: Instructions on how you can make payments on your account will be on your Statement each month.\n7. If You Pay Late You Will be Assessed a Late Fee: The first time a Minimum Payment Due is not received by the Payment Due Date, we may charge you a late fee of an amount\nequal to the Minimum Payment Due or $29, whichever is less. If over the next six billing cycles, the Minimum Payment Due is not received by the Payment Due Date, we will\ncharge you a late fee of an amount equal to the Minimum Payment Due or $40, whichever is less. You understand and agree that at our option, such late fee will be immediately\ndue and payable.\n8. If a Payment is Returned You Will be Assessed a Returned Payment Fee: The first time your check or electronic payment is returned to us by your financial institution unpaid\nor dishonored, we may charge you a returned payment fee of an amount equal to the Minimum Payment Due or $25, whichever is less. If over the next six billing cycles, your\ncheck or electronic payment is returned to us by your financial institution unpaid or dishonored, we will charge you a returned payment fee of an amount equal to the Minimum\nPayment Due or $35, whichever is less. You understand and agree that at our option, such returned payment fee will be immediately due and payable.\n9. Administrative Fees: If you request a copy of a Statement, sales draft or payment check, you will pay a fee if permitted by applicable law. The amount of the fee will be disclosed\nat the time you request this optional service. However, you will not be charged for copies of Statements, sales drafts, or other documents that you request for a billing error/inquiry\nyou may assert under applicable law.\n10. Your Credit Limit:\na. Generally: Your initial credit limit for the Account is shown in the materials that accompany the Card(s) and documents we send to you when your Account is opened. Your current\ncredit limit for the Account will be shown on your Statement. You may also telephone Customer Service at the number on the back of your Card or your Statement to find out what\nyour current credit limit is.\nb. Changes to Your Credit Limit: In our discretion, at any time, subject to applicable law, we may increase or decrease your credit limit without providing prior notice to you.\nYou may ask us to change your credit limit by contacting Customer Service at the number on the back of your Card or your Statement. We do not have to agree to any such request.\nc. Going Over Your Credit Limit: You may not go over your credit limit. We may permit you to go over your limit, but we are not required to do so. If your Account goes over your credit limit, you must\npay the over limit amount when it is billed to you, or sooner upon our request. If we permit you to exceed your credit limit, and we do not have to allow you to exceed your credit limit at a later date.\n11. Your Monthly Billing Statements: We will send a Statement to the physical address on our records each month, if required by applicable law. If you have agreed to receive\nelectronic statements, you may access your statements online at https://www.myonlineaccount.net or such other website we make available to you.\n12. How Your Payments Are Applied to Your Account Balance: Subject to the following and applicable law, payments will generally be applied first to the oldest Purchases.\na. How the Minimum Payment is Applied to Your Account: We will generally apply your Minimum Payment Due in the following order: (i) to interest charges and other fees;\n(ii) to purchase transactions with the lowest Daily Periodic Rates and corresponding APRs.\nb. Application of Payments in Excess of Minimum Payment. We will generally apply payments and credits in excess of the Minimum Payment Due in the following order: (i)\nto purchase transactions with the highest Daily Periodic Rates and corresponding APRs; (ii) to purchase transactions with the lowest Daily Periodic Rates and corresponding APRs;\nand (iii) to interest charges and other fees.\nc. Application of Payments during a Deferred Interest Promotional Offer Period: If you have one or more deferred interest Promotional Offer on your Account, payments will\nbe applied differently during the last two billing cycles before the expiration of the deferred interest promotional plan to help ensure that as much of the outstanding balance as\npossible is repaid by the end of the promotional period. We will apply any payments in excess of the Minimum Payment Due to the promotional plan balance. If more than one\n\n\x0cpromotional offer is expiring when a payment in excess of the Minimum Payment Due is received, we may apply the payment in any manner permitted by applicable law. See\nSection 2 of this Agreement, and any disclosures provided to you at the time of the deferred interest offer for more information on this type of promotional offer.\n13. If Your Payment is Returned Unpaid: If a payment you make is not honored by your bank and it has already been credited by us to your Account, we will reverse the credit\nand add the amount of the payment back to the Account as of the day the payment was first credited to the Account.\n14. Irregular Payment and Delay in Enforcement: We may accept late payments, partial payments, checks and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having the\nsame effect without losing any of our rights under this Agreement.\n15. If You Have a Credit Balance: We will make a good faith effort to return to you any credit balance on your Account over $1.00 if the credit balance has been on your Account\nlonger than six (6) months (or, in our discretion, for a shorter time period). You may also request a refund of a credit balance on your Account at any time, by sending your request\nto Customer Service at P.O. Box 100114, Columbia, South Carolina 29202-3114, by first class mail, postage prepaid. We may reduce the amount of any credit balance on your\nAccount by applying the credit balance towards new fees and charges posted to your Account.\n16. Purchases Made by Your Authorized Users: We may allow you to have Authorized Users who may use your Account. When you allow an Authorized User to use your\naccount, you will be liable for all transactions made by the person, including transactions for which you may not have intended to be liable, and even if the amount of liability\ncauses you to exceed your credit limit. You must notify us at the telephone number on the back of your Card to revoke your permission to allow an Authorized User to use your\nCard or Account. Until you revoke your permission, you remain responsible for all charges made by the Authorized User, even if you did not intend to be liable.\n17. Entire Agreement: This Agreement (as amended and supplemented from time to time), including the Account Summary Table and the application, constitute the final\nexpression of the agreement between you and us. This Agreement may not be contradicted by evidence of any prior, contemporaneous or subsequent oral agreement between\nyou and us regarding your Account. The retail store and its employees have no authority to change, add to or explain the terms of this Agreement except to provide you with our\nPromotional Offers. For more information or questions, call Customer Service at the number on the back of your Card.\n18. If You Default on This Agreement: You agree that you will be in default if any of the following events occurs:\n\xe2\x80\xa2 We do not receive a required minimum payment by 5 p.m., Eastern Time, on the Payment Due Date, accompanied by your Statement payment stub (if mailed), or we\n\xe2\x80\xa2 do not receive any other payment required by this Agreement when such payment is due.\n\xe2\x80\xa2 You exceed the credit limit.\n\xe2\x80\xa2 You die or are declared legally incompetent or incapable of managing your affairs, become insolvent, file for bankruptcy, or otherwise become the subject of a bankruptcy\n\xe2\x80\xa2 petition or filing.\n\xe2\x80\xa2 You give us false or misleading information at any time in connection with your Account.\n\xe2\x80\xa2 You send us a check or similar instrument that is returned to us unpaid, or any automatic, electronic or other payment on your Account cannot be processed or is returned\n\xe2\x80\xa2 unpaid, for any reason, within the last six (6) billing cycles.\n\xe2\x80\xa2 You breach or otherwise fail to comply with any term or condition of this Agreement.\n\xe2\x80\xa2 We have reason to suspect that you or any Authorized User may have engaged or participated in any unusual, suspicious, fraudulent, or illegal activity on your Account.\n\xe2\x80\xa2 You do not give us any updated information about your finances, employment, or any other information we may reasonably request, promptly after the request.\nUpon default: (a) we will not be obligated to honor any attempted use of your Account (even if we do not give you advance notice); (b) we may require you to pay at once all or\nany portion of the balance outstanding under the Account; and (c) we may exercise any right provided by this Agreement or applicable law.\n19. Your Liability for Unauthorized Use: If your Card is lost or stolen or if you believe someone may have used your Account without your permission, you must notify us at\nonce. You may be liable for the unauthorized use of your Account. You will not be liable for unauthorized use that occurs after you notify us by writing to P.O. Box 100114,\nColumbia, South Carolina 29202-3114 or by calling Customer Service at 1-800-252-2551, of the loss or theft of the Card or the possible unauthorized use of the Account. Your\nmaximum liability is $50. Subject to any restrictions of applicable law, we may terminate or limit access to your Account if you have notified us or we have determined that your\nCard may have been lost or stolen, or that there may be unauthorized access to your Account.\n20. Closing Your Account:\na. We May Close your Account at Any Time: We may without prior notice suspend or close your Account to new transactions at any time, for any reason, including but not\nlimited to a change to your creditworthiness or Account inactivity. If we suspend or close your Account to new transactions, you still must pay us all amounts you owe under this\nAgreement (including any future interest charges or fees), and you agree that we are not liable to you for any consequences resulting from closing your Account. If you are in\ndefault, we may close your Account and require you to pay us the entire amount owed under this Agreement in full, immediately. We may also increase the dollar amount of your\nminimum payment, subject to applicable law. If we close your Account to new transactions, you must immediately destroy all Cards and other Account access devices (cut, tear,\nor otherwise deliberately damaged the devices to prevent unauthorized use by third parties).\nb. You May Ask Us to Close Your Account: You may ask us to close your Account to new transactions at any time, by notifying Customer Service at P.O. Box 100114, Columbia,\nSouth Carolina 29202-3114, and returning all Cards and other Account access devices to us (cut, torn, or otherwise deliberately damaged to prevent unauthorized use by third\nparties) with your written notice or, by calling Customer Service at the number on the back of your Card. If you request to close your Account by phone, we reserve the right to\nrequire written notice from you. You also agree to stop using the Account immediately after you notify us that you want to close your Account.\n21. The Address on Your Account and Our Notices to You: If required by applicable law, we will send Statements and Account notices to your physical address on our records.\nIf you have elected to receive electronic Statements and Account notices, we will send a notification email to the email address we have in our records when such documents\nare ready. You will promptly inform us of any change in your email address or your mailing address. You may change your address by writing to us at Customer Service, P.O. Box\n100114, Columbia, South Carolina 29202-3114 or by calling us at the number on the back of your Card. We may in our discretion accept changes to your mailing address from\nthe U.S. Postal Service. If this is a joint Account, we may send billing statements and notices to either of you.\n22. Our Rights Continue: Any failure or delay in exercising any of our rights under the Agreement will not preclude us from later exercising those rights.\n23. Changing This Agreement: Subject to applicable law, we may change this Agreement at any time or from time to time. For example, we may change fees, add new fees,\nchange the interest rates or rate formulas that apply to your Account, increase your minimum payment due or add, delete or modify non-economic terms. We will notify you of\nchanges to this Agreement if required by applicable law. Any change, including any increase or decrease in the APRs on your Account, will become effective at the time stated\nin our notice and will apply to those balances, including new transactions, on your Account as described in our notice.\n24. Your Credit Performance: Your Account was established based upon criteria reflecting your particular credit history. From time to time we review your credit performance.\nIf your credit performance changes, we may change some or all of your Account terms. We will notify you of such changes in accordance with applicable law.\n25. Your Credit Information and Your Credit Report: You authorize us to obtain reports from consumer reporting agencies in connection with this Agreement and from time to\ntime in connection with the review of your Account, or any update, extension or renewals of your Account, and for the purpose of collecting your Account. You authorize us to\nverify with others any information and to provide information about our transactions with you to third parties (including consumer reporting agencies, merchants and other\nlenders) for lawful purposes. YOU UNDERSTAND WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. SUBJECT TO APPLICABLE LAW, LATE\nPAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.\n26. How to Dispute Credit Reports Regarding Your Account: If you think the information we furnished to consumer reporting agencies on the Account is not accurate, you\nshould write us at P.O. Box 100270, Columbia, South Carolina 29202-3270 Attn: Credit Report Dispute. You may experience a delay if you do not write to this address. In order\nfor us to investigate your dispute, you will need to provide us with your name, address, and telephone number; the Account number you are disputing; and why you believe there\nis an inaccuracy. We will complete any investigation and notify you of our findings and, if necessary, corrections. You understand that calling us will not preserve your rights.\n27. Your Authorization for Automatic Dialing and Monitoring/ Recording of Calls: We may telephone you using an automatic dialing-announcing device. Your telephone\nconversations with employees or agents of ours may be monitored and/or recorded. We also may monitor and record mail or conversations on our Websites between you and us\nand you and our agents, whether initiated by you or us or our agents. Use of your Account will signify your consent to such use of an automatic dialing announcing device,\nmonitoring, and/or recording.\n28. Telephone Numbers We May Use to Contact You. When you give us your mobile phone number, we have your permission to contact you at that number about all of your\nTD Bank accounts. Your consent allows us to use text messaging, artificial or pre-recorded voice messages and automatic dialing technology for informational and account\nservice calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. Message and data rates may apply.\nYou may contact us anytime to change these preferences.\n29. Assignment. We may at any time assign or sell this Account, any sums due on this Account, this Agreement, or your rights or obligations under this Agreement. Any person(s) to whom we make any\nsuch assignment or sale shall be entitled to all of our rights under this Agreement, to the extent assigned. You may not sell, assign or transfer your Account or any of your obligations under this Agreement.\n30. Governing Law: This Agreement, including the rate of interest and fees, is governed by applicable federal law and the substantive laws of the State of Delaware\n(to the extent not preempted by federal law) without regard to principles of conflict of law or choice of law.\n\n\x0c31. Your Consent to Receive Electronic Disclosures. If you applied for this Account electronically, you agreed that any and all account opening disclosures and/or notices required\nby applicable law and regulation may be delivered to you electronically, so long as you have not withdrawn consent. Other documents that we may make available to you\nelectronically from time to time, and after we have obtained your consent, include but are not limited to disclosures required by the Federal Truth in Lending Act, notices or\ndisclosures required by the Equal Credit Opportunity Act or Fair Credit Reporting Act, privacy notices, changes in terms, account statements, and any other notices required by\nfederal or state law to be provided to you in writing.\nYou may request a paper copy of any notice you receive electronically, and any required notice will be provided at no charge to you. If this is a joint account, any account holder\nmay elect to receive electronic notices and that election will apply to all account holders. You may withdraw your consent to receive documents electronically at any time. To\nwithdraw your consent or request paper copies of notices, you must call us at 1-800-252-2551. However, withdrawing such consent may result in your account being closed.\nIn order to receive this information electronically, you must have a PC using Microsoft Internet Explorer 8\xc2\xae or greater, or other current version of Google Chrome\xc2\xae, Mozilla\nFirefox\xc2\xae, or Google Safari\xc2\xae. All browsers must support JavaScript, Cookies and SSL (Secured Socket Layer) for channel encryption, using 128-bit encryption. You must have a\npublic IP address that does not change mid-session, otherwise for security reasons the session will be terminated.\n32. Security Interest: You hereby give us a first priority purchase-money security interest in any items purchased under the Account, and the proceeds thereof, including insurance\nproceeds. Additionally, you authorize us to file any financing statements showing our security interest in the purchase and proceeds thereof without your signature, or in the event\nstate law requires your signature, you agree to join in executing all necessary financing statements in a form satisfactory to us. Any given purchase will remain as security for all\npurchases until such time as that purchase is completely paid for, and you agree that your payments will be deemed applied as stated in Section 12 of this Agreement.\nNOTICES\nA. YOU MAY AT ANY TIME PAY YOUR TOTAL INDEBTEDNESS UNDER THIS AGREEMENT.\nB. YOU WILL KEEP A COPY OF THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS.\nC. SUBJECT TO APPLICABLE LAW, THE BANK CAN CHANGE THE TERMS OF, ADD NEW TERMS TO, OR DELETE TERMS FROM THIS AGREEMENT. THE BANK WILL\nGIVE YOU ADVANCE NOTICE OF THE CHANGE, ADDITION OR DELETION WHEN REQUIRED BY APPLICABLE LAW. ANY CHANGE, ADDITION, OR DELETION TO\nTHIS AGREEMENT WILL BECOME EFFECTIVE AT THE TIME STATED IN THE NOTICE.\nNOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE\nSELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY\nTHE DEBTOR HEREUNDER.\nNew Jersey Residents: Certain provisions of this Agreement may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, are\nvoid, unenforceable or inapplicable in New Jersey.\nActive Duty Service Members and Dependents: The following important notice applies if you are an active duty service member or a dependent of one at the time you\nrequest an Account. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In\ngeneral, the cost of consumer credit to a member of the Armed Forces and his or her dependents may not exceed an annual percentage rate of 36 percent. This rate\nmust include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account). If you would like more information regarding your account, please call us at 1-800-877-7467.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at: Customer Service at P.O. Box 100114, Columbia, South Carolina 29202-3114.\nIn your letter, give us the following information:\n\xe2\x80\xa2\nAccount Information: Your Name and Account number.\n\xe2\x80\xa2\nDollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2\nDescription of the problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay\nthe amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2.\nWithin 90 days of receiving your letter, we must either correct the error or explain why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question or report you as delinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\nIf we made a mistake: You will not have to pay the amount in question, or any interest or other fees related to that amount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a\n\xe2\x80\xa2\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and\nwe must let those organizations know when the matter has been settled between us.\nIf we don\xe2\x80\x99t follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services.)\n2.\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card\naccount do not qualify.\n3.\nYou must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Customer Service at P.O. Box 100114, Columbia, South\nCarolina 29202-3114.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point,\nif we think you owe an amount and you do not pay, we may report you as delinquent.\nNON L&G\xe2\x80\xa2CAP76618\xe2\x80\xa20521\n\n\x0c'