27.  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.     
28.  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. 
29.  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.
30.  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. You may not sell, assign or transfer your Account or any
of your obligations under this Agreement.
31.  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. 
32.  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.  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 1-800-434-0050.  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 SSL (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. 

NOTICES 

YOU MAY AT ANY TIME PAY YOUR TOTAL INDEBTEDNESS UNDER THIS AGREEMENT. DOING SO MAY HOWEVER REDUCE BENEFITS MADE AVAILABLE TO YOU

A.   
AS PART OF OR IN CONNECTION WITH A PROMOTIONAL OFFER, INCLUDING THIRD PARTY OFFERS.
KEEP A COPY OF THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS.
B. 
SUBJECT TO APPLICABLE LAW, THE BANK CAN CHANGE THE TERMS OF, ADD NEW TERMS TO, OR DELETE TERMS FROM THIS AGREEMENT.  THE BANK
C.
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.

SAMSUNG ( 16)

12

SAMSUNG FINANCING PROGRAM ACCOUNT SUMMARY TABLE

SAMSUNG (1216)

29.99%
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 $1.00.
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 $38
Up to $35

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).”  See 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 0.082164% (which corresponds to an APR of 29.99%).  
SAMSUNG NON-ACTIVATION FEE: If you do not activate your Samsung smartphone within 30 days of purchasing the device, Samsung will charge a $100 Samsung Non-
Activation Fee.  The fee will be charged to your Samsung Financing Program Account. The fee will be included in the minimum payment due calculated for the billing
statement on which the fee appears. The minimum payment must be paid by the due date shown on your billing statement.

PROMOTIONAL OFFERS AND PAY-IN-FULL CHARGES:
0% APR until paid in full with 24 Equal Payments: For this type of Promotional Offer, the APR for eligible Purchases will be 0% from the date of the purchase until the promotional
balance has been paid in full. The minimum monthly payment for this promotional balance is calculated by multiplying the qualifying Purchase by .04167 and rounding to the nearest penny.
The last minimum payment due may be less. This will pay off the promotional balance if all payments are made on time. The total amount of payments will not exceed the eligible purchase
amount. Other transactions and fees affect overall minimum payment amount. This Promotional Offer is currently available for the Purchase of eligible Samsung smartphones with and
without Samsung Protection Plus. This Promotional Offer may not be available at the time of subsequent Purchases. You will receive information at that time regarding the terms of any
available Promotional Offer.
Pay-In-Full Charges: Certain charges associated with the purchase and upgrade of eligible Samsung smartphones, such as taxes, delivery, and Samsung Protection Plus deductibles,
may be identified as Pay-In-Full Charges. These charges will be included in the minimum payment due calculated for the billing statement on which the charges appear. The minimum
payment must be paid by the due date shown on your billing statement. Interest will not be charged on Pay-In-Full Charges.
SAMSUNG FINANCING PROGRAM ACCOUNT AGREEMENT
In this Samsung Financing Program Account Agreement (the “Cardholder Agreement” or “Agreement”) “you”, “your” and “yours” mean the borrower(s) and “we,” “us” and “Bank” mean
TD Bank, N.A. “Account” means your Samsung Financing Program Account. “Card” means any device we provide to you to access your Account, and may include, but is not limited to,
your Account number stored on Samsung.com (your “Virtual Card”), physical cards, electronic tokens, or any other access device we authorize.  You may only receive a Virtual Card when
you open your Account, and not a physical card. TD Bank, N.A. is the issuer of your Card and owner of your Account.  All extensions of credit in connection with the Account are made
by the Bank.  This Agreement establishes the terms of the Account and should be retained for your records.  By using your Account to make a Purchase or other transaction or otherwise
authorizing a 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 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. financial institutions) 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, 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 purchase requirements, such as certain types of goods and/or services or minimum dollar 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 or that are provided electronically or otherwise at the time of the purchase.       
c.  Examples of Promotional Offers that May be Available and Pay-In-Full Charges:   

Promotional Offers with a Reduced APR until paid in full with an Equal Number of Payments Term: For this type of Promotional Offer, the APR for Purchases will be less than the
standard Purchase APR, and as low as 0% APR, from the date of the Purchase until the promotional balance has been paid in full. The minimum monthly payment for this promotional
balance is calculated by multiplying the qualifying Purchase by a repayment factor and rounding up to the next penny. The last minimum payment for the offer may be less. The repayment
factor is based upon the APR and the number of months in the offer. This will pay off the promotional balance by the end of the promotional period if all payments are made on time. The
total amount of such payments will not exceed the eligible purchase amount and any applicable interest. 
Certain charges associated with this type of Promotional Offer Purchase, such as taxes and delivery charges related to items purchased, may be required to be paid-in-full or subject to
the standard Purchase terms. The Promotional Offer period for this type of offer will be described in the specific offer.  
This Promotional Offer may not always be available. You will receive information at the time of purchase about the terms of any available Promotional Offer.
Pay-In-Full Charges: Certain purchases or transactions may be identified as “Pay-in-Full Charges.”  These charges will be included in the minimum payment due calculated for the billing
statement on which the charges appear. The minimum payment must be paid by the due date shown on your billing statement. Interest will not be charged on such Pay-In-Full Charges. 

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 Types 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 $1.00.  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 “Interest Charged” 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. 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 and credits applied to such balances. 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. 

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 Samsung Non-Activation Fee, Late Fees and Returned Payment Fees: We do not charge interest on the Samsung Non-Activation Fee, 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 Promotional Offer, 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)

(2)

(3)
(4)

(5)

the greater of (a) $1 (or the total amount you owe if less than $1) or (b) 3.5% of the outstanding balance for each standard Purchase Balance (including interest charges
assessed); plus 
each payment amount due in connection with a Promotional Offer balance, such as an Equal Payments Offer that has a special payment calculation, as described in
Section 2 of this Agreement; plus  
any Pay-In-Full Charges as described in Section 2 of this Agreement; plus
the full amount of any applicable fees and charges (including late fees, returned payment fees, and the Samsung Non-Activation Fee, excluding periodic interest charges)
assessed in the particular billing cycle; plus    
any past due amounts.  

For example, if at the end of a billing cycle, an Account with no past due amount and no fees or other charges has:

A standard Purchase balance with a $100 outstanding balance;
A $1000 Promotional Offer balance on a 0% APR until paid in full with 24 Equal Payments offer; and
An $85 Pay-in-Full Charge;

Then, the Minimum Payment Due would be ($3.50+$41.67+$85), for a total of $130.17.
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 Do Not Activate Your Samsung Smartphone, You Will Be Assessed a Samsung Non-Activation Fee: If you purchase an eligible Samsung smartphone on the Samsung
Credit Account and you do not activate your Samsung smartphone within 30 days of purchasing the device, Samsung will charge a $100 Samsung Non-Activation Fee. The fee will be
charged to your Account.  You understand and agree that the fee will be included in the minimum payment due calculated for the billing statement on which the fee appears. The minimum
payment must be paid by the due date shown on your billing statement.
7.  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 $38, whichever is less. You understand and agree that the fee will be included in the
minimum payment due calculated for the billing statement on which the fee appears. The minimum payment must be paid by the due date shown on your billing statement.   
8.  If a Payment is Returned You Will be Assessed a Returned Payment Fee: The first time  a payment you make is not honored by your financial institution, we will 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 the fee will be included in the minimum payment due calculated for the billing statement on which the fee appears. The minimum payment must be paid by
the due date shown on your billing statement.  
9.  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. 
10.  Your Credit Limit:

a.  Generally: Your initial credit limit will be shown to you when your Account is approved and will also be provided in the materials that we provide to you when your Account
is opened. Your current credit limit for the Account will also be shown on your Statement.  You also may telephone Customer Service at the number we provide to you when your Account
is opened 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 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 we provide to you when your Account is opened.  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.
11.  Your Monthly Billing Statements: If you have agreed to receive electronic statements, we will send a notification email to the email address we have in our records when your
Statement is ready and you may access your statements online at https://www.myonlineaccount.net or such other website we make available to you. We will send a Statement to the
physical address on our records each month if required by applicable law. 
12.  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 decide how to apply the Minimum Payment to the balances on your Account. We may apply your Minimum
Payment Due in the following order: (i) to interest charges and other fees (including late fees, returned payment fees, and the Samsung Non-Activation Fee); (ii) to Pay-in-Full Charges;
and then (iii) 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. This means you may be required to pay off a balance that is subject to the standard APR before your excess minimum payment would
be applied to any 0% APR Promotional Offer balance.
13.  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. DOING SO MAY
HOWEVER REDUCE BENEFITS MADE AVAILABLE TO YOU AS PART OF OR IN CONNECTION WITH A PROMOTIONAL OFFER, INCLUDING THIRD PARTY OFFERS. For
purposes of this Section 13, 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 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.    Pay  Online: You  may  make  a  single  payment  or  set  up  recurring  payments  to  your  Account  by  enrolling  in  the  Online  Account  Management  service  at:
https://www.myonlineaccount.net or such other website we make available to you. To enroll, you must enter your Account number, social security number, and zip code and authorize
such payments. Payments requested by 5:00 PM Eastern Time will be credited to your Account on the same day. Payments requested after 5:00 PM Eastern Time will be credited on
the next day to your Account. A payment requested by 5:00 PM Eastern Time on a weekend or federal holiday will be credited as of the day you make the payment.

e.  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.   
14.  If Your Payment is Returned Unpaid: If a payment you make is not honored by your financial institution 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.    
15.  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 delay enforcing our rights under this Agreement any number of times without losing them.  If we at any time honor a
purchase in excess of your maximum credit limit, we are not obligated to do so at any other time.
16.  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. 
17.  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 provided to you when you opened your Account 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.
18.  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 merchant 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.
19.  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 PM, 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.
20.  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 1-800-434-0050, 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.
21.  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 in 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. 
22.  The Address on Your Account and Our Notices to You: If you have agreed to receive electronic Statements and Account notices, we will send a notification email to the email
address we have in our records when such documents are ready and you may access them online at https://www.myonlineaccount.net or such other website of which we will notify
you. If required by applicable law, we will send a Statements and Account notices to the physical address on our records. 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 provided to you
at the time you opened your Account.  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.  
23.  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.
24.  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.
25.  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.   
26.  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. 

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 Types 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 $1.00.  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 “Interest Charged” 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. 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 and credits applied to such balances. 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. 

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 Samsung Non-Activation Fee, Late Fees and Returned Payment Fees: We do not charge interest on the Samsung Non-Activation Fee, 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 Promotional Offer, 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)

(2)

(3)
(4)

(5)

the greater of (a) $1 (or the total amount you owe if less than $1) or (b) 3.5% of the outstanding balance for each standard Purchase Balance (including interest charges
assessed); plus 
each payment amount due in connection with a Promotional Offer balance, such as an Equal Payments Offer that has a special payment calculation, as described in
Section 2 of this Agreement; plus  
any Pay-In-Full Charges as described in Section 2 of this Agreement; plus
the full amount of any applicable fees and charges (including late fees, returned payment fees, and the Samsung Non-Activation Fee, excluding periodic interest charges)
assessed in the particular billing cycle; plus    
any past due amounts.  

For example, if at the end of a billing cycle, an Account with no past due amount and no fees or other charges has:

A standard Purchase balance with a $100 outstanding balance;
A $1000 Promotional Offer balance on a 0% APR until paid in full with 24 Equal Payments offer; and
An $85 Pay-in-Full Charge;

Then, the Minimum Payment Due would be ($3.50+$41.67+$85), for a total of $130.17.
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 Do Not Activate Your Samsung Smartphone, You Will Be Assessed a Samsung Non-Activation Fee: If you purchase an eligible Samsung smartphone on the Samsung
Credit Account and you do not activate your Samsung smartphone within 30 days of purchasing the device, Samsung will charge a $100 Samsung Non-Activation Fee. The fee will be
charged to your Account.  You understand and agree that the fee will be included in the minimum payment due calculated for the billing statement on which the fee appears. The minimum
payment must be paid by the due date shown on your billing statement.
7.  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 $38, whichever is less. You understand and agree that the fee will be included in the
minimum payment due calculated for the billing statement on which the fee appears. The minimum payment must be paid by the due date shown on your billing statement.   
8.  If a Payment is Returned You Will be Assessed a Returned Payment Fee: The first time  a payment you make is not honored by your financial institution, we will 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 the fee will be included in the minimum payment due calculated for the billing statement on which the fee appears. The minimum payment must be paid by
the due date shown on your billing statement.  
9.  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. 
10.  Your Credit Limit:

a.  Generally: Your initial credit limit will be shown to you when your Account is approved and will also be provided in the materials that we provide to you when your Account
is opened. Your current credit limit for the Account will also be shown on your Statement.  You also may telephone Customer Service at the number we provide to you when your Account
is opened 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 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 we provide to you when your Account is opened.  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.
11.  Your Monthly Billing Statements: If you have agreed to receive electronic statements, we will send a notification email to the email address we have in our records when your
Statement is ready and you may access your statements online at https://www.myonlineaccount.net or such other website we make available to you. We will send a Statement to the
physical address on our records each month if required by applicable law. 
12.  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 decide how to apply the Minimum Payment to the balances on your Account. We may apply your Minimum
Payment Due in the following order: (i) to interest charges and other fees (including late fees, returned payment fees, and the Samsung Non-Activation Fee); (ii) to Pay-in-Full Charges;
and then (iii) 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. This means you may be required to pay off a balance that is subject to the standard APR before your excess minimum payment would
be applied to any 0% APR Promotional Offer balance.
13.  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. DOING SO MAY
HOWEVER REDUCE BENEFITS MADE AVAILABLE TO YOU AS PART OF OR IN CONNECTION WITH A PROMOTIONAL OFFER, INCLUDING THIRD PARTY OFFERS. For
purposes of this Section 13, 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 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.    Pay  Online: You  may  make  a  single  payment  or  set  up  recurring  payments  to  your  Account  by  enrolling  in  the  Online  Account  Management  service  at:
https://www.myonlineaccount.net or such other website we make available to you. To enroll, you must enter your Account number, social security number, and zip code and authorize
such payments. Payments requested by 5:00 PM Eastern Time will be credited to your Account on the same day. Payments requested after 5:00 PM Eastern Time will be credited on
the next day to your Account. A payment requested by 5:00 PM Eastern Time on a weekend or federal holiday will be credited as of the day you make the payment.

e.  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.   
14.  If Your Payment is Returned Unpaid: If a payment you make is not honored by your financial institution 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.    
15.  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 delay enforcing our rights under this Agreement any number of times without losing them.  If we at any time honor a
purchase in excess of your maximum credit limit, we are not obligated to do so at any other time.
16.  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. 
17.  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 provided to you when you opened your Account 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.
18.  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 merchant 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.
19.  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 PM, 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.
20.  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 1-800-434-0050, 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.
21.  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 in 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. 
22.  The Address on Your Account and Our Notices to You: If you have agreed to receive electronic Statements and Account notices, we will send a notification email to the email
address we have in our records when such documents are ready and you may access them online at https://www.myonlineaccount.net or such other website of which we will notify
you. If required by applicable law, we will send a Statements and Account notices to the physical address on our records. 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 provided to you
at the time you opened your Account.  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.  
23.  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.
24.  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.
25.  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.   
26.  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. 

27.  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.     
28.  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. 
29.  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.
30.  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. You may not sell, assign or transfer your Account or any
of your obligations under this Agreement.
31.  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. 
32.  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.  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 1-800-434-0050.  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 SSL (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. 

NOTICES 

YOU MAY AT ANY TIME PAY YOUR TOTAL INDEBTEDNESS UNDER THIS AGREEMENT. DOING SO MAY HOWEVER REDUCE BENEFITS MADE AVAILABLE TO YOU

A.   
AS PART OF OR IN CONNECTION WITH A PROMOTIONAL OFFER, INCLUDING THIRD PARTY OFFERS.
KEEP A COPY OF THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS.
B. 
SUBJECT TO APPLICABLE LAW, THE BANK CAN CHANGE THE TERMS OF, ADD NEW TERMS TO, OR DELETE TERMS FROM THIS AGREEMENT.  THE BANK
C.
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.

SAMSUNG ( 16)

12

SAMSUNG FINANCING PROGRAM ACCOUNT SUMMARY TABLE

SAMSUNG (1216)

29.99%
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 $1.00.
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 $38
Up to $35

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).”  See 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 0.082164% (which corresponds to an APR of 29.99%).  
SAMSUNG NON-ACTIVATION FEE: If you do not activate your Samsung smartphone within 30 days of purchasing the device, Samsung will charge a $100 Samsung Non-
Activation Fee.  The fee will be charged to your Samsung Financing Program Account. The fee will be included in the minimum payment due calculated for the billing
statement on which the fee appears. The minimum payment must be paid by the due date shown on your billing statement.

PROMOTIONAL OFFERS AND PAY-IN-FULL CHARGES:
0% APR until paid in full with 24 Equal Payments: For this type of Promotional Offer, the APR for eligible Purchases will be 0% from the date of the purchase until the promotional
balance has been paid in full. The minimum monthly payment for this promotional balance is calculated by multiplying the qualifying Purchase by .04167 and rounding to the nearest penny.
The last minimum payment due may be less. This will pay off the promotional balance if all payments are made on time. The total amount of payments will not exceed the eligible purchase
amount. Other transactions and fees affect overall minimum payment amount. This Promotional Offer is currently available for the Purchase of eligible Samsung smartphones with and
without Samsung Protection Plus. This Promotional Offer may not be available at the time of subsequent Purchases. You will receive information at that time regarding the terms of any
available Promotional Offer.
Pay-In-Full Charges: Certain charges associated with the purchase and upgrade of eligible Samsung smartphones, such as taxes, delivery, and Samsung Protection Plus deductibles,
may be identified as Pay-In-Full Charges. These charges will be included in the minimum payment due calculated for the billing statement on which the charges appear. The minimum
payment must be paid by the due date shown on your billing statement. Interest will not be charged on Pay-In-Full Charges.
SAMSUNG FINANCING PROGRAM ACCOUNT AGREEMENT
In this Samsung Financing Program Account Agreement (the “Cardholder Agreement” or “Agreement”) “you”, “your” and “yours” mean the borrower(s) and “we,” “us” and “Bank” mean
TD Bank, N.A. “Account” means your Samsung Financing Program Account. “Card” means any device we provide to you to access your Account, and may include, but is not limited to,
your Account number stored on Samsung.com (your “Virtual Card”), physical cards, electronic tokens, or any other access device we authorize.  You may only receive a Virtual Card when
you open your Account, and not a physical card. TD Bank, N.A. is the issuer of your Card and owner of your Account.  All extensions of credit in connection with the Account are made
by the Bank.  This Agreement establishes the terms of the Account and should be retained for your records.  By using your Account to make a Purchase or other transaction or otherwise
authorizing a 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 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. financial institutions) 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, 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 purchase requirements, such as certain types of goods and/or services or minimum dollar 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 or that are provided electronically or otherwise at the time of the purchase.       
c.  Examples of Promotional Offers that May be Available and Pay-In-Full Charges:   

Promotional Offers with a Reduced APR until paid in full with an Equal Number of Payments Term: For this type of Promotional Offer, the APR for Purchases will be less than the
standard Purchase APR, and as low as 0% APR, from the date of the Purchase until the promotional balance has been paid in full. The minimum monthly payment for this promotional
balance is calculated by multiplying the qualifying Purchase by a repayment factor and rounding up to the next penny. The last minimum payment for the offer may be less. The repayment
factor is based upon the APR and the number of months in the offer. This will pay off the promotional balance by the end of the promotional period if all payments are made on time. The
total amount of such payments will not exceed the eligible purchase amount and any applicable interest. 
Certain charges associated with this type of Promotional Offer Purchase, such as taxes and delivery charges related to items purchased, may be required to be paid-in-full or subject to
the standard Purchase terms. The Promotional Offer period for this type of offer will be described in the specific offer.  
This Promotional Offer may not always be available. You will receive information at the time of purchase about the terms of any available Promotional Offer.
Pay-In-Full Charges: Certain purchases or transactions may be identified as “Pay-in-Full Charges.”  These charges will be included in the minimum payment due calculated for the billing
statement on which the charges appear. The minimum payment must be paid by the due date shown on your billing statement. Interest will not be charged on such Pay-In-Full Charges.