samsung, you've said "you haven't done much homework" that's probably your problem then - because there's probably 300 or 400 of them, and most of them are different one from another. Many are very good, with lots of member associates/branches.
I suggest you contact them 2 or three dozen at a time, have them send you their sign-up kit and other promotional materials and read away! That way you'll find what's BEST for what YOU want!
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