b'27. Your Authorization for Automatic Dialing and Monitoring/Recording of Calls: Telephone calls may be made to you using an automatic dialing-announcing device.\nYour telephone conversations with employees or agents of ours may be monitored and/or recorded. We also may monitor and record mail or conversations on our\nWebsites between you and us and 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\nautomatic 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\nall of your TD Bank accounts. Your consent allows us to use text messaging, artificial or pre-recorded voice messages and automatic dialing technology for informational\nand account service calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. Message\nand 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.\nAny person(s) to whom we make any such assignment or sale shall be entitled to all of our rights under this Agreement, to the extent assigned.\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\nprinciples of conflict of law or choice of law, shall 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\nnotices required by applicable law and regulation may be delivered to you electronically, so long as you have not withdrawn consent. Other documents that we may\nmake available to you electronically from time to time, and after we have obtained your consent, include but are not limited to disclosures required by the Federal Truth\nin Lending Act, notices or disclosures required by the Equal Credit Opportunity Act or Fair Credit Reporting Act, privacy notices, changes in terms, account statements,\nand 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\nholder may elect to receive electronic notices and that election will apply to all account holders. You may withdraw your consent to receive documents electronically\nat any time. To withdraw your consent or request paper copies of notices, you must call us at 1-866-728-7944. However, withdrawing such consent may result in your\naccount being closed. You must notify us of any change in your e-mail address by calling us at the number listed above. In order to receive this information\nelectronically, 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 SALE (Secured socket Layer) for channel encryption, using 128-bit encryption. You must have a public IP address\nthat 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, including Internet, telephone,\nand mail order Purchases made by you or any person you authorize to use the Account, and the proceeds thereof, including insurance proceeds. Additionally, you\nauthorize us to file any financing statements showing our security interest in the purchase and proceeds thereof without your signature, or in the event state law\nrequires 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\nall 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\nBANK WILL GIVE YOU ADVANCE NOTICE OF THE CHANGE, ADDITION OR DELETION WHEN REQUIRED BY APPLICABLE LAW. ANY CHANGE, ADDITION, OR\nDELETION 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\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.\n\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\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\namount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 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. Within 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\nof 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. The 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\n$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 you the\ngoods or services.)\n2. You 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\ndo not qualify.\n3. You 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,\nif we think you owe an amount and you do not pay, we may report you as delinquent.\nROOMS TO GO (0916)\n\nACCOUNT SUMMARY TABLE\n\nROOMS TO GO (0318)\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 Fee\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 $2.00.\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 $37\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\n3 of your Cardholder Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder\nAgreement.\nCurrent Rates on the Account: The Daily Periodic Rate for standard purchases is 0.082164% (which corresponds to an APR of\n29.99%).\nYOUR CARDHOLDER AGREEMENT WITH US\nIn this Cardholder Agreement (the \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., the issuer of your credit\ncard (the \xe2\x80\x9cCard\xe2\x80\x9d). All extensions of credit in connection with the credit card account (the \xe2\x80\x9cAccount\xe2\x80\x9d) are made by the Bank. This Agreement establishes the terms of\nthe Account and should be retained for your records. By signing for your first purchase, keeping or otherwise accepting the Card or Account, you agree to the terms\nand conditions of the Agreement. This Agreement means this document and the Account Summary Table, and any changes we make to these documents, from time\nto time.\n1. Your Promise to Pay and How to Use Your Account: You (and any person you have designated to us as an authorized user (\xe2\x80\x9cAuthorized User\xe2\x80\x9d) must sign the Card\nto use it. 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 Card\nor the Account, including but not limited to any Authorized User. Any such use will constitute acceptance of all the terms and conditions of this Agreement, even\nthough 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\nus (in U.S. Dollars drawn on U.S. banks) as required by this Agreement for all of these Purchases, plus interest charges and all other fees and charges owed under\nthis 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\nother circumstance 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\nyour own lawful personal, family or household purposes. You agree that you and each Authorized User will not use the Card or the Account for any business or\ncommercial purposes or for any unlawful or illegal purposes. Such unlawful or illegal transactions include, but are not limited to, online gambling transactions, and\nany 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\nright to 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\nfor the charge to the fullest extent permitted by applicable law. If this is a joint account, we may require that you pay the full amount owed without first asking any\nother person to pay.\n2. About the Financing Offers that Might be Available to You:\na. Generally: Notwithstanding any other provisions of this Agreement, we may occasionally, at our option, make certain financing offers available for certain\ntypes of Purchases (\xe2\x80\x9cPromotional Offers\xe2\x80\x9d). Details of the Promotional Offer will be described in the specific offer. Features of Promotional Offers may include, among\nother things, interest-free periods; deferral and forgiveness of interest if a purchase is paid in full within the promotional period (and any other conditions are satisfied);\nreduced interest rates; and/or special payment terms, including payments higher than otherwise required. The benefits of Promotional Offers may be contingent upon\npayment of your Account in accordance with this Agreement and/or the Promotional Offers. Information about Promotional Offers will be shown separately on your\nmonthly 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\nthat the specific terms of the Promotional Offer will modify and become part of this Agreement, and all other terms and conditions of this Agreement will apply to the\nPromotional Offer. The standard provisions of this Agreement apply to all transactions not subject to a Promotional Offer. Subject to applicable law, we may condition\nany Promotional Offer on your compliance with the specified requirements and may not permit you to participate in additional Promotional Offers, if any, if you\nare 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\ntime regarding the terms of the offer. There may be certain required minimum purchase amounts that must be met for a purchase to be eligible to be financed on\na given Promotional Offer. There also may be other restrictions. The specific terms of the type of Promotional Offers that we may make available to you for certain\ntransactions from time to time are as set forth below in this Section 2; provided, however, that such terms may be modified or supplemented by the terms set forth on\nor with the sales receipt that you receive at the time of the purchase.\nc. Examples of Promotional Offers that May be Available:\nPromotional Offers with Deferred Interest and with Standard Payment Terms: For this type of Promotional Offer, deferred interest charges are computed at the APR\nfor standard Purchases (listed in the Interest Rates and Interest Charges section of the Account Summary Table (the \xe2\x80\x9ctable of Interest Rates and Interest Charges\xe2\x80\x9d))\nfrom the date of purchase until the end of the promotional period. If on-time payments on the Account have been made during the promotional period and the\npromotional 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.\nAfter the Promotional Offer period has expired, interest will continue to be charged on the remaining balance (and also on any deferred interest assessed) at the then\ncurrent standard APR for Purchases listed in the table of Interest Rates and Interest Charges, on any remaining balance until paid in full.\nFor this type of Promotional Offer, the minimum payment relating to the promotional balance is calculated in accordance with Section 5 of this Agreement. If you only\nmake 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\nand deferred interest will be assessed. Payments above the minimum amount due on your Statement are required to pay off the promotional balance to avoid\npaying the deferred interest. The Promotional Offer period for this type of offer will generally be 6 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\nof the purchase until the promotional balance has been paid in full.\nFor 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\nterm if on-time payments are made and will equal the amount of the purchase divided by the number of months in the promotional period. This amount is then rounded\nup to the nearest dollar. The Promotional Offer period for this type of offer can be from 12 to 96 months.\n\n\x0c3. 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\nkind of promotional Purchase (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\nto Interest Rate by the applicable Daily Periodic Rate (see Section 4 for Interest Rate information) and by then multiplying the result by the number of days in the billing\ncycle. For each Type of Balance, the Balance Subject to Interest Rate is the average daily balance (including new transactions), as calculated pursuant to Section 3.b.\nbelow. To get the total interest charges each billing cycle, we add together the interest charges for all Type of Balances. If you are charged interest in a billing cycle, we\nwill charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) on your Account if the total interest charge in that billing cycle is less than $2.00. If a minimum interest\ncharge is assessed on your Account in a billing cycle, it will appear on your Statement as a \xe2\x80\x9cMinimum Charge\xe2\x80\x9d and will be included in the \xe2\x80\x9cInterest Charged\xe2\x80\x9d section\non 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\ncharge. For each Type 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\ncycle (treating any negative balance as $0), divided by the number of days in such cycle. Generally, the closing daily balance for each Type of Balance equals the\nbalance at the beginning of the day, plus any new transactions of the same Type of Balance and less any payments applied to such transactions. At the beginning of\neach 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\npreceding billing cycle; and in the case of a deferred interest Promotional Offer, it will include any interest charges that may have been assessed on the unpaid\npromotional 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,\nyou can avoid paying interest on standard Purchases in any given billing cycle if you pay your entire statement closing date balance (identified on your Statement as\nthe \xe2\x80\x9cNew Balance\xe2\x80\x9d) for that billing cycle in 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\nDate, the amount that equals the required Minimum Payment Due for that billing cycle plus the total outstanding standard Purchase balance as of the first day of that\nbilling 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\non 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\npromotion we may charge a reduced promotional rate of interest (which could be as low as a 0% APR). The Daily Periodic Rate will equal the APR divided by 365.\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\nStatement (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\n(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) 3.5% of the outstanding balance for each Type of Balance (including interest charges assessed for each applicable Type of Balance) rounded up to the\nnearest 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\nSection 2 of this Agreement, rounded up 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\nby paying more than the Minimum Payment Due 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\ncharge you a late fee of an amount equal to the Minimum Payment Due or $27, whichever is less. If over the next six billing cycles, the Minimum Payment Due is not\nreceived by the Payment Due Date on the Statement, we will charge you a late fee of an amount equal to the Minimum Payment Due or $37, whichever is less. You\nunderstand 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\ninstitution unpaid or 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\nnext six billing cycles, you pay with a check and your check is returned to us by your financial institution unpaid or dishonored, we will charge you a returned payment\nfee of an amount equal to the Minimum Payment Due or $35, whichever is less. You understand and agree that at our option, such returned payment fee will be\nimmediately 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\namount of the fee will be disclosed at the time you request this optional service. However, you will not be charged for copies of billing Statements, sales drafts, or other\ndocuments 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) we send to you when your Account is opened.\nYour current credit limit for the Account will be shown on your Statement. You also may telephone Customer Service at the number on the back of your Card to find\nout 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\nAccount without providing prior notice to you. We will provide notification of any such change by mail and your credit limit will be listed on the Statement. You may\nask us to change your credit limit by contacting Customer Service at the number on the back of your Card. 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\ndo so. If your Account goes over 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\nyour credit limit, we will not have waived any of our rights under this 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 address on our records each month if required by applicable law.\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\nPurchases.\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\nand other fees; (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\nfollowing order: (i) to purchase transactions with the highest Daily Periodic Rates and corresponding APRs; (ii) to purchase transactions with the lowest Daily Periodic\nRates 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\nAccount (where you were told that no interest would be assessed if you paid the promotional balance in full by the end of the promotional period), payments will be\napplied 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\nbalance as possible 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\nbalance. 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\nthis 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\nTHIS AGREEMENT. For purposes of this Section 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\nthe Statement by 5:00 PM Eastern Time on 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\npayments, we will not treat any payment as late if we receive it by 5:00 PM Eastern Time on the following business day. Payments received after 5:00 PM Eastern Time\nMonday through Saturday (excluding bank holidays) will be credited on the next business day.\nThere 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\nthe payment stub which is part of the Statement, and/or not received at the address for payments designated on the Statement. You will need to allow up to seven (7)\ndays for the U.S. Postal Service to deliver your payment. Payments must be made by check or money order payable in U.S. funds and drawn on a financial institution\nlocated 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\nwhich your payment is drawn. If you overpay or if there is a credit balance on your Account, you will not be paid interest on that amount.\n\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\nor our agent to automatically initiate a single entry ACH debit to your checking account. You will be required to enter your account number and zip code for authentication\npurposes. 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 nonbusiness day will be credited on the next business day. This is a secure system, and your financial institution information will not be shared for any reason other than\nfor 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,\nyou will authorize us or our agent to automatically initiate a single entry ACH debit to your checking account and will authorize your financial institution to accept these\ndebits and charge them to your checking account. Payments arranged by 5:00 PM Eastern Time on business days will be credited on a same-day basis and payments\narranged 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. 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\na one-time electronic fund transfer from your checking or deposit account or to process the payment as a check transaction. When we use the information from your\ncheck to make an electronic fund transfer, the funds may be withdrawn from your checking or deposit account as soon as the same day you make the payment and\nyou 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\nthe credit and 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, check and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language\nhaving the same effect without losing any of our rights under this Agreement. We can also delaying enforcing our rights under this Agreement any number of times\nwithout losing them. If we at any time honor a purchase in excess of your maximum credit limit, 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\nyour Account longer 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\ntime, by sending your request to Customer Service at P.O. Box 731 Mahwah, New Jersey 07430, by first class mail, postage prepaid. We may reduce the amount of\nany 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\nyour account, 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\nof liability causes 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\nUser to use your Card or Account. Until you revoke your permission, you remain responsible for all charges made by the Authorized User, even if you did not intend\nto 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\nconstitute the final expression of the agreement between you and us and that this Agreement may not be contradicted by evidence of any prior, contemporaneous or\nsubsequent oral agreement between you and us regarding your Account. The retail store and its employees have no authority to change, add to or explain the terms\nof this Agreement except to provide you with our Promotional 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, and we will not be obligated to honor any attempted use of your Account (even if we do\nnot give you advance notice) if any of the following 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\nstub (if mailed), or we 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\nsubject of a bankruptcy 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\nbe processed or is returned 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\nactivity 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\nafter 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\nonce all or any 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\nus at once. 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\n731 Mahwah, New Jersey 07430 or verbally by calling Customer Service at 1-866-728-7944, of the loss or theft of the Card or the possible unauthorized use of the\nAccount. Your maximum 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\nhave 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,\nincluding but not limited to a change to your creditworthiness or Account inactivity. If we suspend or close your Account to new transactions, you agree to pay us all\namounts you owe under this Agreement (including any future interest charges or fees), under the terms and conditions of this Agreement, and you agree that we are\nnot liable to you for any consequences resulting from closing your Account. If you are in default, we may close your Account and require you to pay us the entire amount\nowed 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 Account\nto new transactions, you must immediately destroy all Cards and other Account access devices (cut, tear, or otherwise deliberately damaged the devices to prevent\nunauthorized 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.\nBox 731 Mahwah, New Jersey 07430, by first class mail, postage prepaid, and returning all Cards and other Account access devices to us (cut, torn, or otherwise\ndeliberately damaged to prevent unauthorized use by third parties) with your written notice or contacting us by calling Customer Service at the number on the back of\nyour Card. If you request to close your Account by phone, we reserve the right to require a written notice from you. You also agree to stop using the Account immediately\nafter you notify us that you want to close your Account to new transactions.\n21. The Address on Your Account and Our Notices to You: Billing statements and notices will be sent to the address shown in our files, and you will promptly inform\nus 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 731 Mahwah, New Jersey\n07430 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 the U.S. Postal Service. If this\nis 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\nand telephone numbers you should use to contact us, change fees, add new fees, change the interest rates or rate formulas that apply to your Account, increase your\nminimum payment due or add, delete or modify non-economic terms. We will notify you of changes to this Agreement as required by applicable law. Any change,\nincluding any increase or decrease in the APRs on your Account, will become effective at the time stated in our notice and will apply to those balances, including new\ntransactions, on your Account as described in our notice. 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\ncredit performance. If you do not maintain your past level of credit performance, we may change some or all of your Account terms and we will notify you as to such\nchanges 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\nwith the review of your Account, or any update, extension or renewals of your Account, and for the purposes of collection of your Account. You authorize us to verify\nwith 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\nLAW, 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,\nyou should write us at P.O. Box 731, Mahwah, NJ 07430 Attn: Credit Report Dispute. You may experience a delay if you do not write to this address. In order for us\nto 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\nthere is 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\nyour rights.\n\n\x0c3. 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\nkind of promotional Purchase (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\nto Interest Rate by the applicable Daily Periodic Rate (see Section 4 for Interest Rate information) and by then multiplying the result by the number of days in the billing\ncycle. For each Type of Balance, the Balance Subject to Interest Rate is the average daily balance (including new transactions), as calculated pursuant to Section 3.b.\nbelow. To get the total interest charges each billing cycle, we add together the interest charges for all Type of Balances. If you are charged interest in a billing cycle, we\nwill charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) on your Account if the total interest charge in that billing cycle is less than $2.00. If a minimum interest\ncharge is assessed on your Account in a billing cycle, it will appear on your Statement as a \xe2\x80\x9cMinimum Charge\xe2\x80\x9d and will be included in the \xe2\x80\x9cInterest Charged\xe2\x80\x9d section\non 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\ncharge. For each Type 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\ncycle (treating any negative balance as $0), divided by the number of days in such cycle. Generally, the closing daily balance for each Type of Balance equals the\nbalance at the beginning of the day, plus any new transactions of the same Type of Balance and less any payments applied to such transactions. At the beginning of\neach 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\npreceding billing cycle; and in the case of a deferred interest Promotional Offer, it will include any interest charges that may have been assessed on the unpaid\npromotional 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,\nyou can avoid paying interest on standard Purchases in any given billing cycle if you pay your entire statement closing date balance (identified on your Statement as\nthe \xe2\x80\x9cNew Balance\xe2\x80\x9d) for that billing cycle in 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\nDate, the amount that equals the required Minimum Payment Due for that billing cycle plus the total outstanding standard Purchase balance as of the first day of that\nbilling 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\non 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\npromotion we may charge a reduced promotional rate of interest (which could be as low as a 0% APR). The Daily Periodic Rate will equal the APR divided by 365.\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\nStatement (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\n(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) 3.5% of the outstanding balance for each Type of Balance (including interest charges assessed for each applicable Type of Balance) rounded up to the\nnearest 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\nSection 2 of this Agreement, rounded up 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\nby paying more than the Minimum Payment Due 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\ncharge you a late fee of an amount equal to the Minimum Payment Due or $27, whichever is less. If over the next six billing cycles, the Minimum Payment Due is not\nreceived by the Payment Due Date on the Statement, we will charge you a late fee of an amount equal to the Minimum Payment Due or $37, whichever is less. You\nunderstand 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\ninstitution unpaid or 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\nnext six billing cycles, you pay with a check and your check is returned to us by your financial institution unpaid or dishonored, we will charge you a returned payment\nfee of an amount equal to the Minimum Payment Due or $35, whichever is less. You understand and agree that at our option, such returned payment fee will be\nimmediately 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\namount of the fee will be disclosed at the time you request this optional service. However, you will not be charged for copies of billing Statements, sales drafts, or other\ndocuments 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) we send to you when your Account is opened.\nYour current credit limit for the Account will be shown on your Statement. You also may telephone Customer Service at the number on the back of your Card to find\nout 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\nAccount without providing prior notice to you. We will provide notification of any such change by mail and your credit limit will be listed on the Statement. You may\nask us to change your credit limit by contacting Customer Service at the number on the back of your Card. 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\ndo so. If your Account goes over 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\nyour credit limit, we will not have waived any of our rights under this 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 address on our records each month if required by applicable law.\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\nPurchases.\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\nand other fees; (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\nfollowing order: (i) to purchase transactions with the highest Daily Periodic Rates and corresponding APRs; (ii) to purchase transactions with the lowest Daily Periodic\nRates 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\nAccount (where you were told that no interest would be assessed if you paid the promotional balance in full by the end of the promotional period), payments will be\napplied 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\nbalance as possible 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\nbalance. 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\nthis 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\nTHIS AGREEMENT. For purposes of this Section 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\nthe Statement by 5:00 PM Eastern Time on 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\npayments, we will not treat any payment as late if we receive it by 5:00 PM Eastern Time on the following business day. Payments received after 5:00 PM Eastern Time\nMonday through Saturday (excluding bank holidays) will be credited on the next business day.\nThere 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\nthe payment stub which is part of the Statement, and/or not received at the address for payments designated on the Statement. You will need to allow up to seven (7)\ndays for the U.S. Postal Service to deliver your payment. Payments must be made by check or money order payable in U.S. funds and drawn on a financial institution\nlocated 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\nwhich your payment is drawn. If you overpay or if there is a credit balance on your Account, you will not be paid interest on that amount.\n\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\nor our agent to automatically initiate a single entry ACH debit to your checking account. You will be required to enter your account number and zip code for authentication\npurposes. 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 nonbusiness day will be credited on the next business day. This is a secure system, and your financial institution information will not be shared for any reason other than\nfor 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,\nyou will authorize us or our agent to automatically initiate a single entry ACH debit to your checking account and will authorize your financial institution to accept these\ndebits and charge them to your checking account. Payments arranged by 5:00 PM Eastern Time on business days will be credited on a same-day basis and payments\narranged 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. 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\na one-time electronic fund transfer from your checking or deposit account or to process the payment as a check transaction. When we use the information from your\ncheck to make an electronic fund transfer, the funds may be withdrawn from your checking or deposit account as soon as the same day you make the payment and\nyou 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\nthe credit and 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, check and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language\nhaving the same effect without losing any of our rights under this Agreement. We can also delaying enforcing our rights under this Agreement any number of times\nwithout losing them. If we at any time honor a purchase in excess of your maximum credit limit, 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\nyour Account longer 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\ntime, by sending your request to Customer Service at P.O. Box 731 Mahwah, New Jersey 07430, by first class mail, postage prepaid. We may reduce the amount of\nany 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\nyour account, 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\nof liability causes 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\nUser to use your Card or Account. Until you revoke your permission, you remain responsible for all charges made by the Authorized User, even if you did not intend\nto 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\nconstitute the final expression of the agreement between you and us and that this Agreement may not be contradicted by evidence of any prior, contemporaneous or\nsubsequent oral agreement between you and us regarding your Account. The retail store and its employees have no authority to change, add to or explain the terms\nof this Agreement except to provide you with our Promotional 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, and we will not be obligated to honor any attempted use of your Account (even if we do\nnot give you advance notice) if any of the following 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\nstub (if mailed), or we 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\nsubject of a bankruptcy 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\nbe processed or is returned 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\nactivity 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\nafter 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\nonce all or any 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\nus at once. 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\n731 Mahwah, New Jersey 07430 or verbally by calling Customer Service at 1-866-728-7944, of the loss or theft of the Card or the possible unauthorized use of the\nAccount. Your maximum 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\nhave 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,\nincluding but not limited to a change to your creditworthiness or Account inactivity. If we suspend or close your Account to new transactions, you agree to pay us all\namounts you owe under this Agreement (including any future interest charges or fees), under the terms and conditions of this Agreement, and you agree that we are\nnot liable to you for any consequences resulting from closing your Account. If you are in default, we may close your Account and require you to pay us the entire amount\nowed 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 Account\nto new transactions, you must immediately destroy all Cards and other Account access devices (cut, tear, or otherwise deliberately damaged the devices to prevent\nunauthorized 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.\nBox 731 Mahwah, New Jersey 07430, by first class mail, postage prepaid, and returning all Cards and other Account access devices to us (cut, torn, or otherwise\ndeliberately damaged to prevent unauthorized use by third parties) with your written notice or contacting us by calling Customer Service at the number on the back of\nyour Card. If you request to close your Account by phone, we reserve the right to require a written notice from you. You also agree to stop using the Account immediately\nafter you notify us that you want to close your Account to new transactions.\n21. The Address on Your Account and Our Notices to You: Billing statements and notices will be sent to the address shown in our files, and you will promptly inform\nus 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 731 Mahwah, New Jersey\n07430 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 the U.S. Postal Service. If this\nis 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\nand telephone numbers you should use to contact us, change fees, add new fees, change the interest rates or rate formulas that apply to your Account, increase your\nminimum payment due or add, delete or modify non-economic terms. We will notify you of changes to this Agreement as required by applicable law. Any change,\nincluding any increase or decrease in the APRs on your Account, will become effective at the time stated in our notice and will apply to those balances, including new\ntransactions, on your Account as described in our notice. 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\ncredit performance. If you do not maintain your past level of credit performance, we may change some or all of your Account terms and we will notify you as to such\nchanges 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\nwith the review of your Account, or any update, extension or renewals of your Account, and for the purposes of collection of your Account. You authorize us to verify\nwith 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\nLAW, 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,\nyou should write us at P.O. Box 731, Mahwah, NJ 07430 Attn: Credit Report Dispute. You may experience a delay if you do not write to this address. In order for us\nto 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\nthere is 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\nyour rights.\n\n\x0c27. Your Authorization for Automatic Dialing and Monitoring/Recording of Calls: Telephone calls may be made to you using an automatic dialing-announcing device.\nYour telephone conversations with employees or agents of ours may be monitored and/or recorded. We also may monitor and record mail or conversations on our\nWebsites between you and us and 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\nautomatic 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\nall of your TD Bank accounts. Your consent allows us to use text messaging, artificial or pre-recorded voice messages and automatic dialing technology for informational\nand account service calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. Message\nand 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.\nAny person(s) to whom we make any such assignment or sale shall be entitled to all of our rights under this Agreement, to the extent assigned.\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\nprinciples of conflict of law or choice of law, shall 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\nnotices required by applicable law and regulation may be delivered to you electronically, so long as you have not withdrawn consent. Other documents that we may\nmake available to you electronically from time to time, and after we have obtained your consent, include but are not limited to disclosures required by the Federal Truth\nin Lending Act, notices or disclosures required by the Equal Credit Opportunity Act or Fair Credit Reporting Act, privacy notices, changes in terms, account statements,\nand 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\nholder may elect to receive electronic notices and that election will apply to all account holders. You may withdraw your consent to receive documents electronically\nat any time. To withdraw your consent or request paper copies of notices, you must call us at 1-866-728-7944. However, withdrawing such consent may result in your\naccount being closed. You must notify us of any change in your e-mail address by calling us at the number listed above. In order to receive this information\nelectronically, 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 SALE (Secured socket Layer) for channel encryption, using 128-bit encryption. You must have a public IP address\nthat 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, including Internet, telephone,\nand mail order Purchases made by you or any person you authorize to use the Account, and the proceeds thereof, including insurance proceeds. Additionally, you\nauthorize us to file any financing statements showing our security interest in the purchase and proceeds thereof without your signature, or in the event state law\nrequires 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\nall 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\nBANK WILL GIVE YOU ADVANCE NOTICE OF THE CHANGE, ADDITION OR DELETION WHEN REQUIRED BY APPLICABLE LAW. ANY CHANGE, ADDITION, OR\nDELETION 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\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.\n\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\xe2\x80\x93\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\namount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 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. Within 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\nof 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. The 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\n$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 you the\ngoods or services.)\n2. You 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\ndo not qualify.\n3. You 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,\nif we think you owe an amount and you do not pay, we may report you as delinquent.\nROOMS TO GO (0318)\n\nACCOUNT SUMMARY TABLE\n\nROOMS TO GO (0916)\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 Fee\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 $2.00.\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 $37\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\n3 of your Cardholder Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder\nAgreement.\nCurrent Rates on the Account: The Daily Periodic Rate for standard purchases is 0.082164% (which corresponds to an APR of\n29.99%).\nYOUR CARDHOLDER AGREEMENT WITH US\nIn this Cardholder Agreement (the \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., the issuer of your credit\ncard (the \xe2\x80\x9cCard\xe2\x80\x9d). All extensions of credit in connection with the credit card account (the \xe2\x80\x9cAccount\xe2\x80\x9d) are made by the Bank. This Agreement establishes the terms of\nthe Account and should be retained for your records. By signing for your first purchase, keeping or otherwise accepting the Card or Account, you agree to the terms\nand conditions of the Agreement. This Agreement means this document and the Account Summary Table, and any changes we make to these documents, from time\nto time.\n1. Your Promise to Pay and How to Use Your Account: You (and any person you have designated to us as an authorized user (\xe2\x80\x9cAuthorized User\xe2\x80\x9d) must sign the Card\nto use it. 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 Card\nor the Account, including but not limited to any Authorized User. Any such use will constitute acceptance of all the terms and conditions of this Agreement, even\nthough 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\nus (in U.S. Dollars drawn on U.S. banks) as required by this Agreement for all of these Purchases, plus interest charges and all other fees and charges owed under\nthis 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\nother circumstance 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\nyour own lawful personal, family or household purposes. You agree that you and each Authorized User will not use the Card or the Account for any business or\ncommercial purposes or for any unlawful or illegal purposes. Such unlawful or illegal transactions include, but are not limited to, online gambling transactions, and\nany 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\nright to 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\nfor the charge to the fullest extent permitted by applicable law. If this is a joint account, we may require that you pay the full amount owed without first asking any\nother person to pay.\n2. About the Financing Offers that Might be Available to You:\na. Generally: Notwithstanding any other provisions of this Agreement, we may occasionally, at our option, make certain financing offers available for certain\ntypes of Purchases (\xe2\x80\x9cPromotional Offers\xe2\x80\x9d). Details of the Promotional Offer will be described in the specific offer. Features of Promotional Offers may include, among\nother things, interest-free periods; deferral and forgiveness of interest if a purchase is paid in full within the promotional period (and any other conditions are satisfied);\nreduced interest rates; and/or special payment terms, including payments higher than otherwise required. The benefits of Promotional Offers may be contingent upon\npayment of your Account in accordance with this Agreement and/or the Promotional Offers. Information about Promotional Offers will be shown separately on your\nmonthly 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\nthat the specific terms of the Promotional Offer will modify and become part of this Agreement, and all other terms and conditions of this Agreement will apply to the\nPromotional Offer. The standard provisions of this Agreement apply to all transactions not subject to a Promotional Offer. Subject to applicable law, we may condition\nany Promotional Offer on your compliance with the specified requirements and may not permit you to participate in additional Promotional Offers, if any, if you\nare 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\ntime regarding the terms of the offer. There may be certain required minimum purchase amounts that must be met for a purchase to be eligible to be financed on\na given Promotional Offer. There also may be other restrictions. The specific terms of the type of Promotional Offers that we may make available to you for certain\ntransactions from time to time are as set forth below in this Section 2; provided, however, that such terms may be modified or supplemented by the terms set forth on\nor with the sales receipt that you receive at the time of the purchase.\nc. Examples of Promotional Offers that May be Available:\nPromotional Offers with Deferred Interest and with Standard Payment Terms: For this type of Promotional Offer, deferred interest charges are computed at the APR\nfor standard Purchases (listed in the Interest Rates and Interest Charges section of the Account Summary Table (the \xe2\x80\x9ctable of Interest Rates and Interest Charges\xe2\x80\x9d))\nfrom the date of purchase until the end of the promotional period. If on-time payments on the Account have been made during the promotional period and the\npromotional 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.\nAfter the Promotional Offer period has expired, interest will continue to be charged on the remaining balance (and also on any deferred interest assessed) at the then\ncurrent standard APR for Purchases listed in the table of Interest Rates and Interest Charges, on any remaining balance until paid in full.\nFor this type of Promotional Offer, the minimum payment relating to the promotional balance is calculated in accordance with Section 5 of this Agreement. If you only\nmake 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\nand deferred interest will be assessed. Payments above the minimum amount due on your Statement are required to pay off the promotional balance to avoid\npaying the deferred interest. The Promotional Offer period for this type of offer will generally be 6 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\nof the purchase until the promotional balance has been paid in full.\nFor 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\nterm if on-time payments are made and will equal the amount of the purchase divided by the number of months in the promotional period. This amount is then rounded\nup to the nearest dollar. The Promotional Offer period for this type of offer can be from 12 to 96 months.\n\n\x0c'