THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements underM.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for allservices but will receive a discount from participating providers. The list of participating providers is at smilegenerationdentalplan.comfor dental providers and smilegen.solutionssimplified.comfor vision, hearing and pharmacy providers. A written list of participating providers is available upon request. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receivea full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

This plan is not available in Vermont or Washington.

*Minimum payments are required for each Credit Plan. Valid for single transaction only

**For new accounts, as of June 2021 Variable Purchase APR of 26.99% based on the Prime Rate.Minimum Interest Charge is $1 per Credit Plan.Credit card offers are subject to credit approval.Smile Generation Financial Credit Card Accounts are issued by Comenity Capital Bank