27.  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 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 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
automatic dialing announcing device, monitoring, and/or recording. 
28.  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 allows 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 contact 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.
29.  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 such assignment or sale shall be entitled to all of our rights under this Agreement, to the extent assigned.
30.  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, shall govern this Agreement including the rate of interest and fees.
31.  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notices required by applicable law and regulation may be delivered to you electronically, so long as you have not withdrawn consent.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, include 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 terms, account statements,
and any other notices required by federal or state law to be provided to you in writing.
You 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 notices 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 must call us at 1-800-252-2551.  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 above.  In order to receive this information
electronically, you must have a PC using Microsoft Internet Explorer 8® or greater, or other current version of Google Chrome®, Mozilla Firefox®, or Google Safari®.
All browsers must support JavaScript, Cookies and SALE (Secured socket Layer) for channel encryption, using 128-bit encryption.  You must have a public IP address
that does not change mid-session, otherwise for security reasons the session will be terminated. 
32. 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 any 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 and 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 will 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.   
NOTICES  

A. 
YOU MAY AT ANY TIME PAY YOUR TOTAL INDEBTEDNESS UNDER THIS AGREEMENT.
B. 
YOU WILL KEEP A COPY OF THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS.
SUBJECT TO APPLICABLE LAW, THE BANK CAN CHANGE THE TERMS OF, ADD NEW TERMS TO, OR DELETE TERMS FROM THIS AGREEMENT.  THE
C. 
BANK WILL GIVE YOU ADVANCE NOTICE OF THE 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.  
NOTICE: 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 OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY
THE DEBTOR HEREUNDER. 
New 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 New Jersey.
–––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––
YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find a Mistake on Your Statement
If you think there is an error on your statement, write to us at:  Customer Service at P.O. Box 731 Mahwah, New Jersey 07430
In your letter, give us the following information:

•
•
•

Account Information:  Your Name and Account number.
Dollar Amount: The dollar amount of the suspected error.
Description 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.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You 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.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1. 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.
2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill is correct.  

While we investigate whether or not there has been an error:

•
•
•
•

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
If 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 payment is due.  We may then report you as delinquent if you do not pay the amount we think you owe.

If 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 that 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. 
If we don’t 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.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If 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 the remaining amount due on the purchase.  
To use this right, all of the following must be true:

1.  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
$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
goods or services.)

2.  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

do not qualify.

3.  You must not yet have fully paid for the purchase.

If 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
While 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 not pay, we may report you as delinquent.

DUFRESNE SPENCER GROUP (0 16)

9

ACCOUNT SUMMARY TABLE

DUFRESNE SPENCER GROUP (0 16)

9

28.99%
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you
interest on purchases if you pay your entire balance by the due date each month.
If you are charged interest, the charge will be no less than $2.00.
To learn more about factors to consider when applying for or using a credit
card, visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases
How to Avoid Paying Interest

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection
Bureau
Fees
Annual Fee

Penalty Fees
• Late Fee
• Returned Payment Fee

None

Up to $37
Up to $35

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions)”.  See Section
3 of your Cardholder Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder
Agreement. 
Current Rates on the Account: The Daily Periodic Rate for standard purchases is 0.079424% (which corresponds to an APR of
28.99%).

YOUR CARDHOLDER AGREEMENT WITH US

In this Cardholder Agreement (the “Agreement”) “your” and “yours” mean the borrower(s) and “we,” “us” and “Bank” mean TD Bank, N.A., the issuer of your credit
card (the “Card”).   All extensions of credit in connection with the credit card account (the “Account”) are made by the Bank.  This Agreement establishes the terms of
the 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
and conditions of the Agreement.  This Agreement means this document and the Account Summary Table, and any changes we make to these documents, from time
to time.  
1.  Your Promise to Pay and How to Use Your Account: You (and any person you have designated to us as an authorized user (“Authorized User”) must sign the Card
to 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
or 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
though this Agreement is not signed.
You 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 “Purchase”). You promise to pay
us (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
this Agreement (including, without limitation, all Purchases made or used by an Authorized User).
Use 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 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 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
commercial purposes or for any unlawful or illegal purposes. Such unlawful or illegal transactions include, but are not limited to, online 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 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
for 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
other person to pay.
2.  About the Financing Offers that Might be Available to You:

a.  Generally: Notwithstanding any other provisions of this Agreement, we may occasionally, at our option, make certain financing offers available for certain
types of Purchases (“Promotional Offers”).  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 purchase 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 benefits 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 separately on your
monthly billing statement (“Statement”) 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 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
Promotional Offer. The standard provisions of this Agreement apply 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 you to participate in additional Promotional Offers, if any, if you
are late on any payment(s).  

b.   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.  There 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 terms 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 or supplemented by the terms set forth on
or with the sales receipt that you receive at the time of the purchase.

c.  Examples of Promotional Offers that May be Available:  

Promotional 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 Interest Rates and Interest Charges section of the Account Summary Table (the “table of Interest Rates and Interest Charges”))
from 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
promotional Purchase balance is paid in full within the promotional period, the deferred interest charges are waived.  
If 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 expired, 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 Charges, on any remaining balance until paid in full. 
For 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
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.  Payments above the minimum amount due on your Statement are required to pay off the promotional balance to avoid
paying the deferred interest. The Promotional Offer period for this type of offer will generally be 6 to 24 months. 
Promotional 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 balance has been paid in full.   
For 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 will 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 be from 24 to 84 months.  

3. How We Calculate the Interest Charges on Your Account:   

a.  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 “Type of Balance”). 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 Rate 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 transactions), 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. If you are charged interest in a billing cycle, we
will charge a Minimum Interest Charge (or “Minimum Charge”) on your Account if the total interest charge in that billing cycle is less than $2.00.  If a minimum interest
charge is assessed on your Account in a billing cycle, it will appear on your Statement as a “Minimum Charge” and will be included in the “Total Fees for this Billing
Period” section on your Statement. 

b. How We Will Calculate Interest on Your Account: We use a method called “Average Daily Balance (including new transactions)” to compute the interest
charge.  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
cycle (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
balance 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
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 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
promotional balance at the end of the Promotional Offer term. 

c.  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 standard Purchases in any given billing cycle if you pay your entire statement closing date balance (identified on your Statement as
the “New Balance”) for that billing cycle in full by the Payment Due Date reflected on that Statement.    
If 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 Minimum Payment Due for that billing cycle plus the total outstanding standard Purchase balance as of the first day of that
billing cycle. 
For 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.  

d.  Treatment of Late Fees and Returned Payment Fees: We do not charge interest on Late Fees or Returned Payment Fees.

4. The Interest Rates on your Account: The “Annual Percentage Rate” or “APR” is the annual rate of interest charged on Account balances. In connection with a special
promotion 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. 
5.  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 “Minimum Payment Due”).  Each Minimum Payment Due will be due the same day of each month (“Payment Due Date”) as reflected on the Statement
(which will be at least 25 days after your statement closing date each month).
The Minimum Payment Due will be calculated as follows:

(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

nearest dollar; plus 

(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 up to the nearest dollar; plus  

(3) any applicable fees  and charges (except interest charges) assessed in the particular billing cycle; plus  
(4) any past due amount.  

This amount is then rounded up to the nearest dollar.  
Credits, 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 Due in one billing cycle, you will not be excused from paying the Minimum Payment Due in subsequent billing cycles.
6.  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 the 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 an amount equal to the Minimum Payment Due or $37, whichever is less. You
understand and agree that at our option, such late fee will be immediately due and payable. 
7.  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 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, 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
fee 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
immediately due and payable.
8.  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 you 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. 
9.  Your Credit Limit:

a.  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.
Your 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
out what your current credit limit is. 

b.  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 to 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 on the back of your Card.  We do not have to agree to any such request.
c.  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 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
your 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.
10.  Your Monthly Billing Statements:  We will send a Statement to the address on our records each month if required by applicable law. 
11.  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.

a.  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 transactions with the lowest Daily Periodic Rates and corresponding APRs. 

b.  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 with 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.

c.  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 interest 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 deferred 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 Payment 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
permitted 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. 
12.  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 Section 12, the term “business day of the Bank” or “business day” means Monday through Saturday (excluding bank holidays).
a.  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 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
payments, 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
Monday through Saturday (excluding bank holidays) will be credited on the next business day.
There 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 Statement, 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 made 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. 
Your 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 overpay or if there is a credit balance on your Account, you will not be paid interest on that amount.

b.  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 single entry ACH debit to your checking account. You will be required to enter your account number and zip code for authentication
purposes. 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
PM 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 business day. This is a secure system, and your financial institution information will not be shared for any reason other than
for automated payments. 

c.  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 automatically 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 PM 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.  

d.  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 from 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 your 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.   
13.  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 payment back to the Account as of the day the payment was first credited to the Account.  
14.  Irregular Payment and Delay in Enforcement:  We may accept late payments, partial payments, check and money orders marked “Paid in Full” or language
having 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
without 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.
15.  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 (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 Jersey 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. 
16.  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 transactions 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 telephone 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 by the Authorized User, even if you did not intend
to be liable.
17.  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 agreement 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 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 Promotional Offers. For more information or questions, call Customer Service at the number on the back of your Card.
18.  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 following events occurs:

•

•
•

•
•

•
•

•

We do not receive a required minimum payment by 5 p.m., Eastern Time, on the Payment Due Date, accompanied by your Statement’s payment 
stub (if mailed), or we do not receive any other payment required by this Agreement when such payment is due.
You exceed the credit limit.
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 petition or filing.
You give us false or misleading information at any time in connection with your Account.
You 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 returned unpaid, for any reason, within the last six (6) billing cycles. 
You breach or otherwise fail to comply with any term or condition of this Agreement.
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.
You do not give us any updated information about your finances, employment, or any other information we may reasonably request, promptly
after the request.

Upon 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 under the Account; and (c) we may exercise any right provided by this Agreement or applicable law.
19.  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 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
731 Mahwah, New Jersey 07430 or verbally 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 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
have determined that your Card may have been lost or stolen, or that there may be unauthorized access to your Account.
20.  Closing Your Account:

a. 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 your 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 fees), 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 and 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 Account
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).

b.  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 first 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 notice 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 agree to stop using the Account immediately
after you notify us that you want to close your Account to new transactions. 
21.  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
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 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 the U.S. Postal Service. If this
is a joint Account, we may send billing statements and notices to either of you.  
22.  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.
23.  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 to 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 notify 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 will apply to those balances, including new
transactions, 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.
24.  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 past 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.    
25. 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 update, 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 with 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 BUREAUS. SUBJECT TO APPLICABLE
LAW, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 
26. 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, Mahwah, 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, and 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 understand that calling us will not preserve
your rights.     

3. How We Calculate the Interest Charges on Your Account:   

a.  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 “Type of Balance”). 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 Rate 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 transactions), 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. If you are charged interest in a billing cycle, we
will charge a Minimum Interest Charge (or “Minimum Charge”) on your Account if the total interest charge in that billing cycle is less than $2.00.  If a minimum interest
charge is assessed on your Account in a billing cycle, it will appear on your Statement as a “Minimum Charge” and will be included in the “Total Fees for this Billing
Period” section on your Statement. 

b. How We Will Calculate Interest on Your Account: We use a method called “Average Daily Balance (including new transactions)” to compute the interest
charge.  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
cycle (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
balance 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
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 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
promotional balance at the end of the Promotional Offer term. 

c.  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 standard Purchases in any given billing cycle if you pay your entire statement closing date balance (identified on your Statement as
the “New Balance”) for that billing cycle in full by the Payment Due Date reflected on that Statement.    
If 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 Minimum Payment Due for that billing cycle plus the total outstanding standard Purchase balance as of the first day of that
billing cycle. 
For 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.  

d.  Treatment of Late Fees and Returned Payment Fees: We do not charge interest on Late Fees or Returned Payment Fees.

4. The Interest Rates on your Account: The “Annual Percentage Rate” or “APR” is the annual rate of interest charged on Account balances. In connection with a special
promotion 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. 
5.  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 “Minimum Payment Due”).  Each Minimum Payment Due will be due the same day of each month (“Payment Due Date”) as reflected on the Statement
(which will be at least 25 days after your statement closing date each month).
The Minimum Payment Due will be calculated as follows:

(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

nearest dollar; plus 

(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 up to the nearest dollar; plus  

(3) any applicable fees  and charges (except interest charges) assessed in the particular billing cycle; plus  
(4) any past due amount.  

This amount is then rounded up to the nearest dollar.  
Credits, 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 Due in one billing cycle, you will not be excused from paying the Minimum Payment Due in subsequent billing cycles.
6.  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 the 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 an amount equal to the Minimum Payment Due or $37, whichever is less. You
understand and agree that at our option, such late fee will be immediately due and payable. 
7.  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 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, 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
fee 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
immediately due and payable.
8.  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 you 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. 
9.  Your Credit Limit:

a.  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.
Your 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
out what your current credit limit is. 

b.  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 to 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 on the back of your Card.  We do not have to agree to any such request.
c.  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 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
your 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.
10.  Your Monthly Billing Statements:  We will send a Statement to the address on our records each month if required by applicable law. 
11.  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.

a.  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 transactions with the lowest Daily Periodic Rates and corresponding APRs. 

b.  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 with 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.

c.  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 interest 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 deferred 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 Payment 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
permitted 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. 
12.  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 Section 12, the term “business day of the Bank” or “business day” means Monday through Saturday (excluding bank holidays).
a.  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 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
payments, 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
Monday through Saturday (excluding bank holidays) will be credited on the next business day.
There 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 Statement, 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 made 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. 
Your 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 overpay or if there is a credit balance on your Account, you will not be paid interest on that amount.

b.  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 single entry ACH debit to your checking account. You will be required to enter your account number and zip code for authentication
purposes. 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
PM 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 business day. This is a secure system, and your financial institution information will not be shared for any reason other than
for automated payments. 

c.  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 automatically 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 PM 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.  

d.  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 from 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 your 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.   
13.  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 payment back to the Account as of the day the payment was first credited to the Account.  
14.  Irregular Payment and Delay in Enforcement:  We may accept late payments, partial payments, check and money orders marked “Paid in Full” or language
having 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
without 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.
15.  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 (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 Jersey 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. 
16.  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 transactions 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 telephone 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 by the Authorized User, even if you did not intend
to be liable.
17.  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 agreement 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 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 Promotional Offers. For more information or questions, call Customer Service at the number on the back of your Card.
18.  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 following events occurs:

•

•
•

•
•

•
•

•

We do not receive a required minimum payment by 5 p.m., Eastern Time, on the Payment Due Date, accompanied by your Statement’s payment 
stub (if mailed), or we do not receive any other payment required by this Agreement when such payment is due.
You exceed the credit limit.
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 petition or filing.
You give us false or misleading information at any time in connection with your Account.
You 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 returned unpaid, for any reason, within the last six (6) billing cycles. 
You breach or otherwise fail to comply with any term or condition of this Agreement.
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.
You do not give us any updated information about your finances, employment, or any other information we may reasonably request, promptly
after the request.

Upon 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 under the Account; and (c) we may exercise any right provided by this Agreement or applicable law.
19.  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 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
731 Mahwah, New Jersey 07430 or verbally 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 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
have determined that your Card may have been lost or stolen, or that there may be unauthorized access to your Account.
20.  Closing Your Account:

a. 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 your 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 fees), 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 and 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 Account
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).

b.  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 first 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 notice 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 agree to stop using the Account immediately
after you notify us that you want to close your Account to new transactions. 
21.  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
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 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 the U.S. Postal Service. If this
is a joint Account, we may send billing statements and notices to either of you.  
22.  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.
23.  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 to 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 notify 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 will apply to those balances, including new
transactions, 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.
24.  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 past 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.    
25. 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 update, 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 with 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 BUREAUS. SUBJECT TO APPLICABLE
LAW, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 
26. 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, Mahwah, 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, and 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 understand that calling us will not preserve
your rights.     

27.  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 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 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
automatic dialing announcing device, monitoring, and/or recording. 
28.  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 allows 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 contact 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.
29.  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 such assignment or sale shall be entitled to all of our rights under this Agreement, to the extent assigned.
30.  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, shall govern this Agreement including the rate of interest and fees.
31.  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 may 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, include 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 terms, account statements,
and any other notices required by federal or state law to be provided to you in writing.
You 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 notices 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 must call us at 1-800-252-2551.  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 above.  In order to receive this information
electronically, you must have a PC using Microsoft Internet Explorer 8® or greater, or other current version of Google Chrome®, Mozilla Firefox®, or Google Safari®.
All browsers must support JavaScript, Cookies and SALE (Secured socket Layer) for channel encryption, using 128-bit encryption.  You must have a public IP address
that does not change mid-session, otherwise for security reasons the session will be terminated. 
32. 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 any 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 and 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 will 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.   
NOTICES  

A. 
YOU MAY AT ANY TIME PAY YOUR TOTAL INDEBTEDNESS UNDER THIS AGREEMENT.
B. 
YOU WILL KEEP A COPY OF THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS.
SUBJECT TO APPLICABLE LAW, THE BANK CAN CHANGE THE TERMS OF, ADD NEW TERMS TO, OR DELETE TERMS FROM THIS AGREEMENT.  THE
C. 
BANK WILL GIVE YOU ADVANCE NOTICE OF THE 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.  
NOTICE: 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 OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY
THE DEBTOR HEREUNDER. 
New 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 New Jersey.
–––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––
YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find a Mistake on Your Statement
If you think there is an error on your statement, write to us at:  Customer Service at P.O. Box 731 Mahwah, New Jersey 07430
In your letter, give us the following information:

•
•
•

Account Information:  Your Name and Account number.
Dollar Amount: The dollar amount of the suspected error.
Description 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.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You 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.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1. 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.
2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill is correct.  

While we investigate whether or not there has been an error:

•
•
•
•

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
If 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 payment is due.  We may then report you as delinquent if you do not pay the amount we think you owe.

If 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 that 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. 
If we don’t 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.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If 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 the remaining amount due on the purchase.  
To use this right, all of the following must be true:

1.  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
$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
goods or services.)

2.  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

do not qualify.

3.  You must not yet have fully paid for the purchase.

If 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
While 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 not pay, we may report you as delinquent.

DUFRESNE SPENCER GROUP (0 16)

9

ACCOUNT SUMMARY TABLE

DUFRESNE SPENCER GROUP (0 16)

9

28.99%
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you
interest on purchases if you pay your entire balance by the due date each month.
If you are charged interest, the charge will be no less than $2.00.
To learn more about factors to consider when applying for or using a credit
card, visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases
How to Avoid Paying Interest

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection
Bureau
Fees
Annual Fee

Penalty Fees
• Late Fee
• Returned Payment Fee

None

Up to $37
Up to $35

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions)”.  See Section
3 of your Cardholder Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder
Agreement. 
Current Rates on the Account: The Daily Periodic Rate for standard purchases is 0.079424% (which corresponds to an APR of
28.99%).

YOUR CARDHOLDER AGREEMENT WITH US

In this Cardholder Agreement (the “Agreement”) “your” and “yours” mean the borrower(s) and “we,” “us” and “Bank” mean TD Bank, N.A., the issuer of your credit
card (the “Card”).   All extensions of credit in connection with the credit card account (the “Account”) are made by the Bank.  This Agreement establishes the terms of
the 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
and conditions of the Agreement.  This Agreement means this document and the Account Summary Table, and any changes we make to these documents, from time
to time.  
1.  Your Promise to Pay and How to Use Your Account: You (and any person you have designated to us as an authorized user (“Authorized User”) must sign the Card
to 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
or 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
though this Agreement is not signed.
You 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 “Purchase”). You promise to pay
us (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
this Agreement (including, without limitation, all Purchases made or used by an Authorized User).
Use 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 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 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
commercial purposes or for any unlawful or illegal purposes. Such unlawful or illegal transactions include, but are not limited to, online 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 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
for 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
other person to pay.
2.  About the Financing Offers that Might be Available to You:

a.  Generally: Notwithstanding any other provisions of this Agreement, we may occasionally, at our option, make certain financing offers available for certain
types of Purchases (“Promotional Offers”).  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 purchase 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 benefits 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 separately on your
monthly billing statement (“Statement”) 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 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
Promotional Offer. The standard provisions of this Agreement apply 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 you to participate in additional Promotional Offers, if any, if you
are late on any payment(s).  

b.   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.  There 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 terms 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 or supplemented by the terms set forth on
or with the sales receipt that you receive at the time of the purchase.

c.  Examples of Promotional Offers that May be Available:  

Promotional 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 Interest Rates and Interest Charges section of the Account Summary Table (the “table of Interest Rates and Interest Charges”))
from 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
promotional Purchase balance is paid in full within the promotional period, the deferred interest charges are waived.  
If 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 expired, 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 Charges, on any remaining balance until paid in full. 
For 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
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.  Payments above the minimum amount due on your Statement are required to pay off the promotional balance to avoid
paying the deferred interest. The Promotional Offer period for this type of offer will generally be 6 to 24 months. 
Promotional 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 balance has been paid in full.   
For 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 will 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 be from 24 to 84 months.