b'1\n\nCredit Card Agreement\n1. INTRODUCTION. Your TD Bank VISA\xc2\xae \xe2\x88\x97 Card account (\xe2\x80\x9cAccount\xe2\x80\x9d) is subject to this Credit Card Agreement, including the\nInterest Rate and Fee Schedule we send with your credit card(s) (\xe2\x80\x9cCard\xe2\x80\x9d) when we open an Account for you. This Personal\nCredit Card Agreement, the Interest Rate and Fee Schedule and the application or solicitation you submitted for this Account\nare all a part of and collectively referred to as the \xe2\x80\x9cAgreement.\xe2\x80\x9d Please read and keep this Agreement for your records.\nYou, your and yours mean each person who applied for the Account and the person to whom we direct billing statements\n(\xe2\x80\x9cStatements\xe2\x80\x9d). We, us, our and TD Bank mean TD Bank, N.A., a national bank with its main office located in Delaware, and its\nsuccessors and assigns. Authorized User means any other person to whom you give permission to use your Account.\nA. Account Use and Acceptance. By accepting your Card and using or maintaining your Account, or letting someone else\nuse your Card or your Account, you agree to all of the terms of this Agreement. You acknowledge that you received a copy of\nthis Agreement. Your signature on your application or solicitation for this Account, including without limitation any electronic\nsignature or oral acceptance of a telephone offer, your Card or any Account-related document represents your signature on\nthis Agreement.\nYou agree that you and each Authorized User will not use your Card or Account for any fraudulent or illegal purposes.\nSuch transactions include, but are not limited to, illegal gambling transactions. We reserve the right to block all such\ntransactions. If any such charge or transaction is approved and processed, you will still be liable for the charge.\nB. Promise to Pay. You promise to pay us for all purchases, balance transfers and cash advances resulting from the use of\nyour Card or Account, plus interest charges and all other fees and charges owed under this Agreement (including without\nlimitation all purchases and cash advances made by an Authorized User).\n2. GOVERNING LAW. Applicable federal law and the substantive laws of the State of Delaware (to the extent not\npreempted by federal law) without regard to principles of conflicts of law or choice of law shall govern this Agreement.\nTo the extent any court determines that this Agreement is subject to Maryland law concerning credit, you and TD Bank\nagree that your Account is governed by Title 12, Subtitle 9 of the Commercial Law Article of the Annotated Code of\nMaryland, except as preempted by federal law.\n3. USING YOUR ACCOUNT\nA. Credit Limit.\n1. General. Your initial credit limit is shown in the materials we send with your Card when we open an Account for you. Your\ncurrent credit limit will be shown on each Statement. You also may telephone Customer Service at 1-877-GO-TD1ST (1-877468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other cards for your current credit limit. You\nagree to not go over your credit limit. We may permit you to go over your credit limit, but we are not required to do so. If your\nAccount goes over your credit limit, you agree to pay the overlimit amount when it is billed or sooner upon our request.\n2. Limit for Cash Advances. We may set a credit limit for the total dollar amount of cash advances that may be outstanding\nfrom time to time that is lower than the overall credit limit for your Account.\n3. Changes to Credit Limit. In our discretion, at any time, we may change any credit limit that applies to your Account. We\nwill notify you if we change any credit limit. You may ask us to change your credit limit by calling Customer Service at 1-877GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other cards. We do not\nhave to agree to any such request.\nB. Types of Transactions.\n1. Purchases. You may use your Card to pay for the purchase or lease of goods or services wherever your Card is honored.\nIf you use your Card to purchase or lease goods or services by telephone, mail or internet, you agree that your signature is not\nnecessary as identification in such cases.\n2. Cash Advances. You may use your Card or Account to obtain cash advances wherever they are honored for cash advances.\n\nVISA is a registered trademark and service mark of VISA International Service Association, and is used by TD Bank, N.A. pursuant to a\nlicense from VISA U.S.A. Inc.\n\n\xe2\x88\x97\n\nF03-W422-4-0521\n\n\x0c2\na. Cash Advances obtained from a financial institution, an automated teller machine, or any other party that agrees to\nhonor your Card or Account for cash advance purposes, and all convenience checks posted to your account are\nconsidered Cash Advances. For example, your Card may be used to obtain cash advances at ATMs displaying the\nVISA logo and from participating financial institutions honoring VISA credit cards. Transactions to obtain the following\ngoods and services will also be treated as a Cash Advance: travelers checks, foreign currency, money orders, wire\ntransfers, cryptocurrency, debt repayments, lottery tickets, casino gaming chips, race track wagers, legal online\nwagers, or similar betting transactions, and any other similar cash-like transactions.\nb. See the Interest Rate and Fee Schedule of this Agreement for Cash Advance fee details. The amount of the Cash\nAdvance transaction fee will be added to your minimum monthly payment and is due by the payment due date\nindicated on your monthly billing statement.\nc. You may be required to sign a special form and/or provide your personal identification number (PIN) when making\na Cash Advance. Please select a PIN that is not easily identifiable and does not consist of one single number (for\nexample, \xe2\x80\x9c1111\xe2\x80\x9d) or consecutive numbers. PINs should also not be based on or include your birth date, zip code or\nAccount number. Do not write your PIN on your Card and do not keep your PIN with or near your Card or any Access\nDevice.\n3. Balance Transfers. We may allow you to transfer balances from other credit card accounts with third parties (but not us or\nour affiliates) to your Account. We may limit the number and types of credit card accounts from which we will allow you to\ntransfer balances and the times, amounts, manner and circumstances in which Balance Transfers may be requested. See the\nInterest Rate and Fee Schedule on the card mailer for Balance Transfer fee details.\nIntroductory or Promotional APRs on Balance Transfers: We may from time to time make available certain promotional\nAnnual Percentage Rate (APRs) on balance transfer transactions. See Section 4 \xe2\x80\x93 Interest Charges subsection D for\ndetails on how to avoid paying interest on new purchases if you take advantage of a 0% introductory or promotional\nAPR Balance Transfer offer.\n4. Access Devices. We may from time to time issue additional Account access devices (\xe2\x80\x9cAccess Devices\xe2\x80\x9d). Access Devices\nmay include, for example, special checks you may use to obtain cash advances or oral offers or written forms by which you\nmay request balance transfers. Each Access Device must be in the form we issue and must be used according to the\ninstructions we give you. We may refuse to process Access Devices received after any applicable expiration date. We will not\nreturn paid Access Devices to you. Access Devices may not be used to pay any amount owed to us or our affiliates. We will\nnot certify any Access Device. You may not post-date any Access Device. We may refuse to process a post-dated Access\nDevice or process it before the date on the Access Device.\n5. Foreign Transactions. If you use your Account to make a purchase or cash advance in a foreign currency, the transaction\nwill be converted to U.S. Dollars based on a rate selected by VISA U.S.A. Inc. (or any of its affiliates) from the range of rates\navailable in wholesale currency markets for the applicable central processing date (which may vary from the rate VISA U.S.A.\nInc. itself receives) or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used by VISA U.S.A. Inc. (or any of its affiliates) on the currency conversion date may differ from the exchange\nrate in effect on the day you made the transaction or on the day the transaction is posted to your Account.\nC. Stop Payment. If you want us to stop payment on an Access Device, notify us by calling Customer Service immediately at\n1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other cards. Call\nus with your stop payment request as soon as possible after you have submitted the Access Device and give us information\nabout the Access Device to help us identify it.\nIf you ask us to stop payment, we will make reasonable efforts not to pay that Access Device. However, if we pay that Access\nDevice despite these efforts, we will not be liable to you for paying that Access Device. We may not be able to stop payment if\nyou call us after we have started processing the Access Device. A Stop Payment Fee may apply.\nD. Refusal to Honor Your Card or Access Device. A merchant, business or financial institution may refuse to honor your\nCard or Access Device. You and each Authorized User agree that you have no legal claims or damages against us or anyone\nelse if your use of your Account is denied by any merchant, business or financial institution.\nE. Statements.\n1. General. At the end of each monthly billing cycle (\xe2\x80\x9cBilling Cycle\xe2\x80\x9d), if there was activity on your Account, we will send you a\nStatement showing what you owe (the \xe2\x80\x9cNew Balance\xe2\x80\x9d) as of the end of the Billing Cycle. The Statement will show any interest\ncharges you owe, the minimum payment due, the payment due date, your current credit limit, an itemized list of fees, charges,\npayments and credits posted to your Account during the Billing Cycle and other important information. We will mail or deliver\nthe Statement to the address we have on file for your Account.\n2. Change of Address. You must notify us promptly of any change in your address by calling Customer Service at 1-877-GOTD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other cards. We may accept\nmailing address corrections from the United States Postal Service. You may also update your address online via tdbank.com.\nF03-W422-4-0521\n\n\x0c3\nUntil we receive, process, and verify your new address, we will continue to send Statements and other notices to the last\naddress we have on file for your Account (which may be a correction from the United States Postal Service).\nF. Credit Balance. We will make a good faith effort to return to you any credit balance that has been on your Account longer\nthan six consecutive Billing Cycles (or, in our discretion, for a shorter time period). You may also request a refund of a credit\nbalance on your Account at any time by calling Customer Service at 1-877-GO-TD1ST (1-877-468-3178) if you have a First\nClass Visa Signature Card or 1-888-561-8861 for all other cards. We may reduce the amount of any credit balance on your\nAccount by applying the credit balance towards new fees and charges posted to your Account. We do not pay any interest on\ncredit balances.\nG. Payments. You may at any time pay off the full unpaid balance or part of the unpaid balance under this Agreement.\n1. Minimum Payment. If you have an outstanding balance, we must receive your minimum payment as set forth in section 2\n"Making Payments" below. The minimum payment will be the greater of:\n(i) $35, or\n(ii) One percent (1%) of the New Balance plus:\n(a)\n\nThe periodic interest charges for the Billing Cycle; plus\n\n(b)\n\nThe full amount of any transaction fees (such as Cash Advance, Balance Transfer and\nForeign Transaction Fees) owed for the Billing Cycle; plus\n\n(c)\n\nThe full amount of any Annual Membership Fee, Late Payment or Returned Payment Fee\nor other applicable fees owed.\n\nIn addition, any past due minimum payment amounts will be added to your current minimum payment due.\nIf your New Balance is less than $35, your minimum payment will equal your New Balance.\nCredits, Payment Plus credits (if you have a Payment Plus Account), adjustments, refunds, prepayments and similar Account\ntransactions may not be used in place of payment of any portion of a required minimum payment. You may pay more than the\nminimum payment due (this is a prepayment) without any penalty. The sooner you pay the New Balance, the less you will pay\nin interest charges. A prepayment in one Billing Cycle will not excuse you from paying the minimum payment due in the next\nBilling Cycle.\n2. Making Payments. Payments may be made by mail, online, at a TD Bank store or over the phone. All payments must be\nin U.S. dollars and, if applicable, drawn on a U.S. bank. Business Day is defined as Monday through Friday, excluding federal\nholidays.\na. By Mail. Send a check or money order to the payment address shown on your Statement with the payment stub\nfrom your Statement. Do not mail any cash payments. A properly addressed payment with the payment stub will be\ncredited to your Account as of the date received if we receive it by 5 p.m. Eastern Time on a Business Day. A properly\naddressed payment with the payment stub received after 5 p.m. Eastern Time or on a day that is not a Business Day\nwill be credited to your Account as of the next Business Day. You agree to not give us any post-dated check as payment\non your Account. If the payment due date falls on a day on which we do not receive or accept payments, the payment\nwill not be treated as late if received the next Business Day.\nb. Online. You may pay online by logging in to our website. A payment made online will be credited to your Account\nas of the date the payment is received. Online payments may not post to your online account until the next Business\nDay, but you will receive credit for the payment based on the payment submission date.\nc. At TD Bank Stores. You may make a payment in person to one of our employees at a TD Bank store. A payment\nmade at a TD Bank store will be credited to your Account as of the date received if we receive it by the close of\nbusiness for that location.\nd. By Phone. You may pay by phone by calling 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa\nSignature Card or at 1-888-561-8861 for all other cards. A payment made by phone will be credited to your Account\nas of the date received if we receive it by 5 p.m. Eastern Time on a Business Day. Phone payments received after 5\np.m. Eastern Time or on a day that is not a Business Day will be credited to your Account as of the next Business Day.\nFrom time to time, we may allow you to expedite a single payment to your Account from a designated bank account\nof yours by telephone.\ne. Delay in Crediting and Available Credit. We may reject or delay crediting payments that do not follow the\ninstructions above. For example, there may be a delay of up to five days in crediting a payment by mail if it is received\nat an address other than the address we specify for payments on your Statement or if it is received without the required\nF03-W422-4-0521\n\n\x0c4\npayment stub. Your available credit limit(s) may not reflect the payment for up to 15 days after we have credited a\npayment to your Account.\n3. Application of Payments.\na. Generally. We will generally apply your minimum payment in the following order:\n(i)\nto Interest Charges and other fees;\n(ii)\nto transactions (purchases, balance transfers, cash advances) with the lowest Daily Periodic Rates and\ncorresponding APRs;\nto transactions with the highest Daily Periodic Rates and corresponding APRs.\n(iii)\nb. Application of Payments in Excess of Minimum Payment. We will generally apply your payments and credits\nin excess of the minimum payment in the following order:\n(i)\nto transactions (purchases, balance transfers, cash advances) with the highest Daily Periodic Rates and\ncorresponding APRs;\n(ii)\nto transactions with the lowest Daily Periodic Rates and corresponding APRs.\n4. Payments Marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d. Any check, money order or other instrument sent in payment on your Account marked\nwith \xe2\x80\x9cpaid in full\xe2\x80\x9d or similar notation to settle a debt on your Account that is reasonably in dispute (and any accompanying letter\nor other instructions) must be sent to: TD Bank, P.O. Box 100290, Columbia, SC 29202-3290, Attention: Customer Service. If\nsuch payment is sent to any other address, you agree that (i) we may ignore any special notations or instructions on or with\nthe payment and (ii) our crediting any such payment to your Account does not mean that we have agreed to any special\nnotations or instructions on or with the payment.\n5. Automatic Payments. We may allow you to repay amounts owed under this Agreement through automatic payments from\na savings or checking account. We may terminate our permission to make automatic payments at any time. If we allow\nautomatic payments, no automatic payment will occur unless the savings or checking account has sufficient collected funds in\nit on the Business Day before the payment due date to cover the full amount of the minimum payment due (or any larger\nmonthly payment you and we may agree to from time to time). If an automatic payment does not occur for any reason, you still\nmust pay the minimum payment and a Late Payment or Returned Payment Fee may apply.\nIf you have authorized us to pay your credit card bill automatically from your checking or savings account with us, you can stop\nthe payment on any amount you think is wrong. To stop the payment, notify us by calling Customer Service at 1-877-GO-TD1ST\n(1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other cards. To stop the payment,\nyour telephone call must reach us three Business Days before the automatic payment is scheduled to occur.\n6. Electronic Check Conversion. When you send a check as payment, you authorize us either to use information from your\ncheck to make a one-time electronic fund transfer from your bank account or (at our option) to process the payment as a check\ntransaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your\nbank account on the same day we receive your payment, and you will not receive your check back from your financial institution.\nIf we cannot process the electronic fund transfer, or if it is returned to us, you authorize us to reinitiate the electronic fund\ntransfer from your bank account. Alternatively, we may (at our option) present the original check, a substitute check, draft or\nsimilar negotiable instrument to obtain payment. If you have questions about electronic check conversion, you may telephone\nus at 1-888-561-8861.\n7. Payment Plus Credit. If you have a Payment Plus Account, when we receive qualifying payments of at least 5% of the New\nBalance on a Statement on or before the payment due date for that Statement, you will receive a Payment Plus credit. If you\npay 5% to 9.99% of your New Balance, the credit will equal 25% of the interest charged on your next Statement. If you pay\n10% or more of your New Balance, the credit will equal 50% of the interest charged on your next Statement. Your Account must\nbe open and in good standing to receive the Payment Plus credit. Qualifying payments do not include Payment Plus credits,\nother credits, adjustments, refunds or similar Account transactions. If your Account is in default, you are in a forbearance plan\nor charging privileges have been revoked, you will not receive a Payment Plus credit.\nH. Additional Cards and Authorized Users.\n1. Additional Cards. You may request additional Cards and permit Authorized Users to have access to your Card or Account.\nYou will be liable for all Account transactions made and all fees incurred by those Authorized Users (including without limitation\ninterest charges). We may limit the total number of Cards and other Access Devices issued.\n2. Revoking Authorized User\xe2\x80\x99s Authority. To revoke your permission for any person you previously authorized to use your\nCard or Account, notify us by calling Customer Service at 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa\nSignature Card or 1-888-561-8861 for all other cards. We reserve the right not to discontinue any Authorized User\xe2\x80\x99s ability to\nuse your Account until we have received the Authorized User\xe2\x80\x99s Card and any unused Access Devices in the possession or\ncontrol of the Authorized User (cut, torn, or otherwise deliberately damaged to prevent unauthorized use by third parties). You\nwill remain responsible for all Account transactions by Authorized Users until we discontinue the Authorized User\xe2\x80\x99s authority to\nuse your Account.\n\nF03-W422-4-0521\n\n\x0c5\nIf you ask us to revoke an Authorized User\xe2\x80\x99s ability to use your Account, you agree that we will close the affected card(s) only\nto new transactions. Your Account number will not change. If we do this, you must notify anyone you have authorized to submit\nand post charges to your Account using the affected card.\nI. Lost or Stolen Cards, Account Numbers or Access Devices. If any Card, Account number or Access Device is lost or\nstolen, or if you think someone used or may use them without your permission, notify us AT ONCE by calling 1-877-GO-TD1ST\n(1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other cards. You agree that we may\nclose your Account to new transactions, change your Account number(s) and issue you a new Card(s) and new Access Devices\nwith different Account number(s) if we have been notified of the possible loss, theft or unauthorized use. If we do this, you must\nnotify anyone you have authorized to submit and post charges to your Account of your new Account number(s). Do not use\nyour Card, Account number or Access Device after you notify us, even if your Card or other Access Device is later found or\nreturned.\nUnder VISA U.S.A.\xe2\x80\x99s \xe2\x80\x9cZero Liability Policy\xe2\x80\x9d you may not be liable for the unauthorized use of your Account or Card\nthat results in a fraudulent transaction made over the VISA network. To be eligible, you must notify us immediately of\nany unauthorized use of your Account or Card. We will provisionally credit you for losses from the unauthorized Card\nuse within five Business Days of your notification to us of the loss. The VISA Zero Liability Policy does not apply to\ntransactions made at an ATM or to any transactions made using your PIN that are not processed by VISA. We may\nimpose greater liability, or withhold, delay, limit or rescind any provisional credit that we provide to you under the Zero\nLiability Policy, based on factors such as your gross negligence or fraud, your delay in reporting unauthorized use,\nour investigation and verification of your claim, your Account standing and history and other factors. If you are not\neligible for the VISA Zero Liability Policy or it otherwise does not apply, you may be liable for unauthorized use of your\nAccount, but not for more than $50. You won\xe2\x80\x99t be liable for any unauthorized use of your Account that occurs after\nyou notify us of the loss, theft or possible unauthorized use of your Card, Account number or Access Device. We may\nrequire you to provide certain information in writing to help us find out what happened. You also must identify for us\nany charges on your Statement that were not made by you or someone authorized by you and from which you received\nno benefit.\n4. INTEREST CHARGES\nA. Annual Percentage Rates. Annual Percentage Rate or APR means the annual rate of interest charged on Account\nbalances. The APRs and corresponding Daily Periodic Rates for your Account are listed in the Interest Rate and Fee Schedule.\nTo get the Daily Periodic Rate, we divide the APR by 365 and round at the seventh place after the decimal point. We may\ncharge different Daily Periodic Rates and APRs on different Account transactions (such as purchases, cash advances and\nbalance transfers) or during special promotional periods.\nB. Variable Rates. Your APRs are subject to change each Billing Cycle and are determined each Billing Cycle by adding the\nMargins listed in the Interest Rate and Fee Schedule to the Index. The Index is the Prime Rate (U.S.) published in the Money\nRates section of The Wall Street Journal. Your APRs may increase if the Index increases. If any APR increases, the amount of\ninterest charged and your minimum payment may increase. Your APR will be based on the Prime Rate in effect 45 days prior\nto the end of each billing cycle. When a range of rates has been published on the day we calculate the APR, the highest rate\nwill be used. If this Index is no longer available we will select a new one. The maximum rate for any variable APR is the\napplicable Margin plus the Index.\nC. Introductory or Promotional APR. We may offer you an introductory or promotional APR for specific Account transactions,\nsuch as balance transfers. Any introductory or promotional APR offer will be subject to the terms of the offer and this Agreement.\nUpon the expiration of an introductory or promotional APR, the rate will return to the rate for the specified type of transaction(s)\nas stated in this Agreement. See Section 4 \xe2\x80\x93 Interest Charges, subsection D for details on how to avoid paying interest\non new purchases if you take advantage of a 0% introductory or promotional APR Balance Transfer offer.\nD. When Interest Charges Begin. Your payment due date is at least 25 days after the close of each Billing Cycle. We will not\ncharge you interest on new purchases if you pay your entire balance in full by the payment due date each Billing Cycle. We will\nbegin charging interest on cash advances and balance transfers on the transaction date. There is no time period in which you\nmay repay a cash advance or balance transfer and avoid imposition of an interest charge. If you have a balance transfer\nbalance on your Account that is subject to a 0% introductory or promotional APR we will not charge you interest on new\npurchases during the term of the introductory or promotional offer if you pay by the payment due date of each Billing Cycle the\namount shown within the \'Payment Information" box titled "Payment to Avoid Purchase Interest". We calculate the amount by\nadding: (1) your Minimum Payment Due; plus (2) the total outstanding purchase balance; plus (3) the total outstanding cash\nadvance balance; plus (4) the total amount of outstanding balance transfer balances that are not subject to the 0% introductory\nor promotional APR; plus (5) any fees that had been assessed to the Account. The "Payment to Avoid Purchase Interest" will\nnever be less than the minimum due.\nE. Balance Calculation Method (Average Daily Balance Method (Including Current Transactions)). In any Billing Cycle in\nwhich you owe interest, we will charge interest on your balances of purchases, balance transfers and cash advances at the\napplicable Daily Periodic Rates. We figure the interest charge on your Account by applying the periodic rate to the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d of your Account. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d, we take the beginning balance of your Account each day,\nadd any new transactions and fees and subtract any payments or credits. This gives us the daily balance. Then, we add up all\nF03-W422-4-0521\n\n\x0c6\nthe daily balances for the Billing Cycle and divide the total by the number of days in the Billing Cycle. This gives us the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d. We compound (charge interest on) unpaid interest charges and unpaid fees.\nF. Minimum Interest Charge. If the total interest charges on your Account for a Billing Cycle are greater than zero but less\nthan $1, the interest charge for that Billing Cycle will be $1.\n5. FEES. You agree to pay the fees described below whenever applicable.\nA. Annual Membership Fee. If your Account has an Annual Membership Fee, it will be billed each year, whether or not you\nuse your Account. The amount is listed in the Interest Rate and Fee Schedule. Your payment of the Annual Membership Fee\ndoes not affect our right to close your Account or limit your right to make transactions on your Account.\nB. Cash Advance and Balance Transfer Transaction Fees.\n1. Cash Advance and Balance Transfer Transaction Fees. We will charge a transaction fee on each cash advance and\nbalance transfer you obtain in the amounts shown in the Interest Rate and Fee Schedule.\n2. Foreign Transaction Fee. If your Account has a Foreign Transaction Fee, we may impose a fee equal to a certain\npercentage of the U.S. Dollar amount of a foreign transaction as shown in the Interest Rate and Fee Schedule.\nC. Penalty Fees.\n1. Late Payment Fee. The first time we do not receive a required minimum payment when due, we may charge a Late Payment\nFee of the minimum payment due or $29, whichever is less. If over the next six Billing Cycles, the minimum payment is not\nreceived when due, we may charge a Late Payment Fee of the minimum payment due or $40, whichever is less.\n2. Returned Payment Fee. We may charge you this fee each time your financial institution for any reason rejects a payment\nyou make to us, or if the payment cannot be processed. The first Returned Payment Fee will be equal to $29 or your minimum\npayment due; whichever is less, even if your payment is eventually paid after a second presentment (if we elect to re-present\nthe payment). If over the next six Billing Cycles you incur an additional Returned Payment fees (for any of the reasons stated\nabove) the Returned Payment Fee may increase to $40, or your minimum payment due, whichever is less.\nD. Other Fees. We may also charge the following fees, subject to any restrictions of applicable law.\n1. Copy Fees. We may charge you a fee of up to $7 for each copy of a Statement or sales draft you request or up to $5 for\neach copy of a payment check or written Access Device you request. However, we will not charge you for copies of documents\nthat you request in connection with a billing error/inquiry you may assert against us under applicable law.\n2. Emergency Replacement Card Fee. If you request a replacement Card on an expedited basis (for example, to replace a\nlost or stolen Card), we may charge you an Emergency Replacement Card Fee of up to $25.\n3. Stop Payment Fee. If you ask us to stop payment on an Access Device, we may charge you a Stop Payment Fee of $39.\n6. DEFAULT\nA. Events of Default. Subject to restrictions of applicable law, you will be in default and we will not be obligated to honor any\nattempted use of your Account (even if we do not give you advance notice) if any of the following events occurs:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe do not receive any payment required by this Agreement when such payment is due.\nYou exceed any credit limit.\nYou are unwilling or unable to pay what you owe under this Agreement, for any reason.\nYou die, become insolvent, file for bankruptcy or otherwise become the subject of a bankruptcy petition or filing.\nYou give us false or misleading information at any time in connection with your Account.\nYou send us more than one check or similar instrument that is returned to us unpaid or any automatic, electronic or\nother payment on your Account cannot be processed or is returned unpaid, for any reason, within the last six Billing\nCycles.\nYou breach or otherwise fail to comply with any term or condition of this Agreement.\nWe have reason to suspect that you or any Authorized User may have engaged or participated in any unusual,\nsuspicious, fraudulent or illegal activity on your Account or any other account or loan you have with us or our affiliates.\nYou do not give us any updating information about your finances, employment or any other information we may\nreasonably request, promptly after our request.\n\nB. Our Rights After Default. In the event of default, we may close your Account, require you to pay the unpaid balance in full\nor take any other action permitted by applicable law.\n\nF03-W422-4-0521\n\n\x0c7\nC. Collection Costs. If we refer any past due amounts you owe under this Agreement to a collection agency or lawyer for\ncollection, you agree to pay us our reasonable costs of collection, including without limitation collection agency fees, court costs\nand attorneys\xe2\x80\x99 fees actually incurred by us, to the fullest extent permitted by applicable law.\n7. CLOSING YOUR ACCOUNT\nA. We May Close Your Account. Except where prohibited by applicable law, we may close your Account to new transactions\nat any time, for any reason including Account inactivity and/or lack of credit card usage for an extended period of time, and\nwithout prior notice.\nB. You May Ask Us to Close Your Account. You may ask us to close your Account to new transactions at any time by calling\nCustomer Service at 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or at 1-888-561-8861\nfor all other cards.\nC. After Your Account is Closed. After your Account is closed, you still must pay us any unpaid amounts under this Agreement.\nWe will not be liable to you for any consequences resulting from closing your Account. You agree to cut, tear or otherwise\ndeliberately damage all Cards and unused Access Devices in your or any Authorized User\xe2\x80\x99s possession or control to prevent\nunauthorized use by third parties.\n8. CHANGING THIS AGREEMENT. We may change this Agreement, including (for example) changing the addresses and\ntelephone numbers you should use to contact us, changing fees, adding new fees, changing the Daily Periodic Rates and\ncorresponding APRs or increasing your required minimum payment. We may change this Agreement based on economic or\nmarket conditions, our business strategies or for any other reason (including reasons unrelated to you or your Account). Any\nchanges we make to this Agreement may apply to new transactions and/or then-existing balances as described in any notice\nwe are required to provide to you. We will notify you of changes to this Agreement as required by applicable law. We will mail\nany required written notice to the address we have on file for your Account.\n9. INFORMATION SHARING\nA. Credit Information. We may review your credit history by obtaining information from consumer reporting agencies and\nothers. We may report information about your Account to credit bureaus. Late payments missed payments or other defaults on\nyour Account may be reflected in your credit report. We may report Account information on Authorized Users.\nB. How to Dispute Reports Regarding Your Account. If you think the information we furnished to consumer reporting\nagencies on your Account is not accurate please write to us at: P.O. Box 1448, Greenville, SC 29602, Attn: USBC. With your\nletter, please provide us with:\n\xe2\x80\xa2 Your name, address and telephone number;\n\xe2\x80\xa2 The Account number(s) for the Account(s) you are disputing;\n\xe2\x80\xa2 A description of the specific information you are disputing and an explanation of the basis for your dispute; and\n\xe2\x80\xa2 Copies of documents that support your dispute. These could include (but are not limited to): a copy of your consumer\nreport showing the information that you are disputing, your Statements, a court order or (if applicable) a copy of a\npolice report or fraud or identity theft affidavit.\nIf you fail to provide us with the information listed above, we may be unable to investigate your dispute. We will notify you of\nthe results of our investigation within 30 days of receiving your dispute. A delay may be experienced if the dispute is not mailed\nto the address above. We may take up to 45 days to investigate your dispute if, after providing us with your initial notice of\ndispute, you provide us with additional information that is relevant to our investigation. If our investigation finds that the\ninformation you are disputing was inaccurate, we will notify the consumer reporting agency of our determination and provide\nthe consumer reporting agency with the information necessary to correct the inaccuracy.\nWe will have no duty to investigate disputes that are substantially similar to a prior dispute that we have responded to, or that\nrelate to your identifying information (such as your name, date of birth, Social Security number, telephone number or address),\ninquiries appearing on your consumer report, information from public records (such as judgments, liens, or bankruptcies, unless\nthese matters relate to your Account(s) with us), information related to fraud or active duty alerts on your report, or information\nprovided to the consumer reporting agency from someone other than us. We will also have no duty to investigate your dispute\nif we reasonably believe it was submitted or prepared by (or if you submitted it on a form provided by) a credit repair\norganization. If we determine that we will not investigate your dispute for one of these (or some other) reasons we will notify\nyou of that determination within five Business Days.\nC. Telephone Monitoring and Recording. You consent to and authorize us and any of our affiliates, agents and marketing\nassociates to monitor and/or record any of your telephone conversations with any of our or their representatives for quality\ncontrol, training and other lawful purposes.\nD. Telephone Numbers. When you give us your mobile phone number, we have your permission to contact you at that number\nabout all of your TD Bank accounts. Your consent allows us to use text messaging, artificial or pre-recorded voice messages\nand automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls. It may\n\nF03-W422-4-0521\n\n\x0c8\ninclude contact from companies working on our behalf to service your accounts. Message and data rates may apply. You may\ncontact us anytime to change these preferences.\nE. Account Benefits. We may offer you certain third-party benefits and services with your Account, as outlined in benefits\nbrochures or other documents and internet web sites. For example, certain eligible purchases charged with a VISA\xc2\xae Card may\nbe eligible for certain benefits or services through VISA U.S.A. Inc. (or its affiliates). Any benefits or services we make available\nthrough third parties (including without limitation VISA U.S.A. Inc.) are not a part of this Agreement, but are subject to the terms\nand restrictions outlined in the applicable benefits brochures or other documents or internet web sites provided or made\navailable to you from time to time. You agree that we may give information about you, any Authorized User, and your Account,\nto any third party reasonably needing the information to provide you with such benefits or services. You also agree that we or\nany third party providing any Account-related benefits or services may change, add, or delete benefits or services at any time\nwithout notice.\n10. MISCELLANEOUS\nA. Certain Waivers. You waive the right of \xe2\x80\x9cpresentment\xe2\x80\x9d and \xe2\x80\x9cnotice of dishonor.\xe2\x80\x9d \xe2\x80\x9cPresentment\xe2\x80\x9d means the right to require\nus to demand payment of amounts due under this Agreement. \xe2\x80\x9cNotice of dishonor\xe2\x80\x9d means the right to require us to give notice\nto other person that amounts due under this Agreement have not been paid. You also waive demand for payment, protest,\nnotice of protest and all other notices and demands, to the fullest extent permitted by applicable law.\nB. Assignment. We may assign your Account and our rights under this Agreement to our affiliates or to some other financial\ninstitution or company without advance notice to you. That entity will take our place in this Agreement if we do this. You may\nnot assign or transfer your Account or any of your responsibilities under this Agreement to any other person.\nC. No Security. Your Account is unsecured. We are not taking a security interest in any property in connection with your\nAccount.\nD. Evidence. You agree that we may use a copy, microfilm, microfiche or digital image of any Statement or other document to\nprove what you owe us and that the copy, microfilm, microfiche or digital image will have the same validity as the original.\nE. Captions and Interpretation. The captions used in this Agreement are for convenience only. They do not affect the meaning\nof the paragraphs in this Agreement.\nF. Severability. If any part of this Agreement is held to be invalid, the rest will remain in effect.\nG. Delay in Enforcement/No Waiver. We may delay or waive enforcing any of our rights or remedies under this Agreement or\nunder applicable law without losing any of those rights or remedies. Even if we do not enforce our rights or remedies at any\none time, we may enforce them at a later time.\nH. Entire Agreement. The Agreement is the entire agreement between you and us relating to your Account. The Agreement\nreplaces any other agreement relating to your Account that you and we made earlier or at the same time. In the event of a\nconflict between this Personal Credit Card Agreement and any other document (including the other documents that are\ncollectively called the Agreement), this Personal Credit Card Agreement will control unless otherwise expressly provided in the\nother document.\nNJ RESIDENTS: Because certain provisions of this Agreement are subject to applicable laws, they may be void, unenforceable\nor inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey.\nCardholder: Your name, address and signature (including any electronic or digital signature) and the date on any application\nor solicitation or on any sales slip or other evidence of indebtedness on your Account represents your name, address and\nsignature and the date on this Agreement.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your bill, write to us at:\nTD Bank\nP.O. Box 84037\nColumbus, GA 31908-4037\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your bill.\n\nwhy you\n\nF03-W422-4-0521\n\n\x0c9\n\xe2\x80\xa2\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your bill, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the\nmatter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your\nbill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with a credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50.00. (Note: Neither of these are necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nTD Bank\nP.O. Box 84037\nColumbus, GA 31908-4037\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe 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.\nActive Duty Service Members and Dependents: The following important notice applies if you are an active duty service\nmember or a dependent of one at the time you request an Account. Federal law provides important protections to members of\nthe Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate\nmust include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees\nfor specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account). If you would like more information regarding your account, please call us at 1-877-488-3712.\n\nF03-W422-4-0521\n\n\x0c10\nInterest Rate and Fee Schedule\n\nThe Interest Rate and Fee Schedule is incorporated into and made a part of your Personal Credit Card Agreement.\nPlease read and keep this Schedule with your Agreement for your records.\n\nInterest Rates and Interest Charges\nTD Cash:\n\nAnnual Percentage Rate\n(APR) for Purchases:\n\n0% Introductory APR for the first 6 billing cycles after Account opening.\nAfter that, your APR will be 12.99%, 17.99% or 22.99%, based\n\non your creditworthiness.\nAll APRs will vary with the market based on the Prime Rate.\nTD First Class:\n\n13.24%\n\nAPR for Balance Transfers:\n\nThis APR will vary with the market based on the Prime Rate.\nTD Cash:\n0% Introductory APR for the first 15 billing cycles after Account opening.\nAfter that, your APR will be 12.99%, 17.99% or 22.99%, based on your\ncreditworthiness.\nAll APRs will vary with the market based on the Prime Rate.\nTD First Class:\n0% Introductory APR for the first 12 billing cycles after Account opening.\n\nAPR for Cash Advances:\nHow to Avoid Paying\nInterest on Purchases:\nMinimum Interest Charge:\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau:\nFees\nAnnual Fee:\nTransaction Fees:\n\xe2\x80\xa2 Balance Transfers\n\xe2\x80\xa2 Cash Advances\n\n\xe2\x80\xa2 Foreign Transactions\n\nAfter that, your APR will be 13.24%.\nThis APR will vary with the market based on the Prime Rate.\n25.24%\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\nTD Cash: None\nTD First Class: $89 (waived for the first year)\nEither $5 or 3% of the amount of each transfer, whichever is greater.\nTD Cash:\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\nTD First Class:\nEither $10 or 3% of the amount of each cash advance, whichever is greater.\nTD Cash: 3% of each transaction in U.S. dollars\nTD First Class: None\n\nPenalty Fees:\n\xe2\x80\xa2 Late Payment\nUp to $40\n\xe2\x80\xa2 Returned Payment\nUp to $40\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including Current\nTransactions).\xe2\x80\x9d See your account agreement for more details.\n\nF03-W422-4-0521\n\n\x0c11\nLoss of Introductory APR: If you are 60 days past due, we may end your introductory APR for Balance Transfers\nand apply the standard APR for Balance Transfers as stated in the Interest Rates and Interest Charges Table, to\nall existing and new Balance Transfer balances on the Account.\nBilling Rights: Information about your rights to dispute transactions and how to exercise those rights is provided\nin your account agreement.\nTD Cash Margins:\nFor Purchases, 9.74%, 14.74% or 19.74% will be added to the Index\nFor Balance Transfers, 9.74%, 14.74% or 19.74% will be added to the Index\nFor Cash Advances, 21.99% will be added to the Index\nThe corresponding DAILY PERIODIC RATES as of May 1, 2021 are:\nFor Purchases, 0.0355890%, 0.0492877% or 0.0629863%\nFor Balance Transfers, 0.0355890%, 0.0492877% or 0.0629863%\nFor Cash Advances, 0.0691507%\nFirst Class Margins:\nFor Purchases, 9.99% will be added to the Index\nFor Balance Transfers, 9.99% will be added to the Index\nFor Cash Advances, 21.99% will be added to the Index\nThe corresponding DAILY PERIODIC RATES as of May 1, 2021 are:\nFor Purchases, 0.0362740%\nFor Balance Transfers, 0.0362740%\nFor Cash Advances, 0.0691507%\nIndex: Prime Rate as of May 1, 2021 is 3.25%\n\nF03-W422-4-0521\n\n\x0c'


b'ACCOUNT SUMMARY TABLE\n\nNON L&G\xe2\x80\xa2CAP76618\xe2\x80\xa20521\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) 29.99%\nfor Purchases\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nHow to Avoid Paying Interest\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\nAnnual Fees\n\ninterest on purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.00.\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\nNone\n\nPenalty Fees\nUp to $40\n\xe2\x80\xa2 Late Fee\n\xe2\x80\xa2 Returned Payment Fee Up to $35\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d See Section 3 of your Cardholder\nAgreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.\nRight to Reject: If you made a phone purchase with the account before receiving your Cardholder Agreement in writing, you may reject the account. To reject the\naccount, you must call TD Bank at 1-800-252-2551 within 45 days of opening the account. If you do so, the account will be closed and you will be not responsible\nfor any fees or charges on the account. You must also return any undamaged merchandise. Alternatively, you may pay for the merchandise with another form of\npayment. Returns made as part of your right to reject are not subject to mailing or return-shipment costs.\nCurrent Rates on the Account: The Daily Periodic Rate for standard Purchases is 0.082164% (which corresponds to an APR of 29.99%).\nActive Duty Service Members and Dependents: If you would like more information about special protections that may apply to your account, please call 1-800-877-7467.\nThe information about the costs of credit described in this Account Summary Table and the Cardholder Agreement is accurate as of May 2021. This information may have changed\nafter that date. To find out what has changed, call us at 1-800-252-2551 or write to us at: P.O. BOX 100114, Columbia, South Carolina 29202-3114.\nYOUR CARDHOLDER AGREEMENT WITH US\nIn this Cardholder Agreement (the \xe2\x80\x9cCardholder Agreement\xe2\x80\x9d or \xe2\x80\x9cAgreement\xe2\x80\x9d) \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the borrower(s) and \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d mean TD Bank, N.A. \xe2\x80\x9cAccount\xe2\x80\x9d\nmeans the credit Card Account governed by this Agreement. \xe2\x80\x9cCard\xe2\x80\x9d means any device we provide to you to access your Account. Card may include, but is not limited to, your\nAccount number stored on a participating website or mobile wallet (your \xe2\x80\x9cVirtual Card\xe2\x80\x9d), physical cards, electronic tokens, or any other access device we authorize. You may only\nreceive a Virtual Card when you open your Account. You may or may not receive a physical Card depending on the program.\nYour Card is issued and your Account is owned by TD Bank, N.A. All extensions of credit in connection with the Account are made by the Bank. This Agreement establishes the\nterms of the Account. You should retain it for your records. By signing for your first purchase, keeping or otherwise accepting the Card or Account, you agree to the terms and\nconditions of the Agreement.\n1. 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\nto act for you or to use the Card or the Account, including but not limited to any person you have designated to us as an authorized user (\xe2\x80\x9cAuthorized User\xe2\x80\x9d). Any such use will\nconstitute acceptance of all the terms and conditions of this Agreement, even though this Agreement is not signed.\nYou authorize us to charge your Account for all purchases resulting from the use of the Card or the Account (each a \xe2\x80\x9cPurchase\xe2\x80\x9d). You promise to pay us in U.S. Dollars drawn on\na U.S. bank for all of Purchases, plus interest charges and all other fees and charges owed under this Agreement.\nUse of the Card or Account may include physical use, orders by mail or telephone, computer or other electronic transactions made without presenting the Card, or any other\ncircumstance 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\npersonal, 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. If this is a\njoint account, we may require that you pay the full amount owed without first asking any other person to pay.\n2. About the Financing Offers that May be Available to You for Eligible Transactions:\na. Generally: Notwithstanding any other provisions of this Agreement, we may, at our option, make certain financing offers available for certain types of Purchases (\xe2\x80\x9cPromotional\nOffers\xe2\x80\x9d). Details of the Promotional Offer, such as minimum purchase requirements or other restrictions, will be described in the specific offer. Features of Promotional Offers may\ninclude, among other things, interest-free periods; deferral and forgiveness of interest if a purchase is paid in full within the promotional period; reduced interest rates; and/or\nspecial payment terms, including payments higher than otherwise required. The benefits of Promotional Offers may be contingent upon payment of your Account in accordance\nwith this Agreement and/or the Promotional Offers. Information about Promotional Offers will be shown separately on your monthly billing statement (\xe2\x80\x9cStatement\xe2\x80\x9d) while the\nPromotional Offer is in effect. If you use your Account for a Promotional Offer, you acknowledge and agree that the specific terms of the Promotional Offer will modify and become\npart of this Agreement, and all other terms and conditions of this Agreement will apply to the Promotional Offer. Subject to applicable law, the Bank may revoke any Promotional\nOffer if any required minimum payment is 60 days past due. This means that a 0% or reduced APR balance may be moved to your standard Purchase APR, and any\ninterest that has accrued on a deferred interest Promotional Offer may be added to your balance.\nb. Examples of Promotional Offers that May be Available for Eligible Transactions:\nPromotional Offers with Deferred Interest and with Standard Payment Terms: For this type of Promotional Offer, deferred interest charges are computed at the APR for standard\nPurchases listed in the Account Summary Table from the date of purchase until the end of the promotional period. If on-time payments on the Account are made during the\npromotional period and the promotional Purchase balance is paid in full before the end of the promotional period, the deferred interest charges are waived. After the Promotional\nOffer period has expired or your Account becomes 60 days past due, your Promotional Offer will be revoked and the deferred interest will be assessed. Thereafter, interest will\ncontinue to be charged on any remaining balance (and also on any deferred interest assessed) at the then current standard APR for Purchases listed in the Account Summary\nTable, until paid in full.\nFor this type of Promotional Offer there is no special payment calculation and the minimum payment for the promotional balance is calculated in accordance with Section 5 of\nthis Agreement. Making only the minimum monthly payment will not pay off the promotional balance by the end of the promotional period and deferred interest will\nbe assessed. Larger payments are required to pay off the promotional balance to avoid paying the deferred interest. The Promotional Offer period for this type of offer\nwill generally be from 6 to 24 months.\nPromotional Offers with a 0% APR and with an Equal Number of Payments: For this type of Promotional Offer, the APR for Purchases during the promotional period will be\n0%. If your account becomes 60 days past due, interest will be charged on any remaining balance at the then current standard APR for Purchases listed in the Account Summary\nTable. Payments will generally equal the amount of the purchase divided by the number of months in the promotional period, rounded up to the nearest dollar. The Promotional\nOffer period for this type of offer will generally be from 12 to 100 months.\nPromotional Offers with a Reduced APR and with Fixed Monthly Payments: For this type of Promotional Offer, the APR for Purchases will be the reduced APR disclosed to\nyou at the time of the purchase. We will begin charging interest at the reduced APR from the first day of the billing cycle that begins immediately after the billing cycle in which\nthe reduced APR promotional balance is added to your Account. You can avoid paying interest on this type of Promotional Offer Purchase by paying all of the following, as shown\non the first statement that includes the reduced APR promotional balance: i) the required Minimum Payment Due; ii) all outstanding balance(s) with an APR higher than the APR\n\n\x0con the reduced APR balance; iii) any deferred interest promotional balance that is within the last two billing cycles of the promotional period; and iv) the total of the reduced\nAPR promotional balance. Otherwise, during the promotional period, interest at the reduced APR is charged from the first day of the billing cycle that begins immediately after\nthe billing cycle in which the reduced APR promotional balance is added to your Account. If your account becomes 60 days past due, interest will be charged on any remaining\nbalance at the then current standard APR for Purchases listed in the Account Summary Table.\nPayments are calculated by adding the promotional balance and the estimated amount of interest that would be assessed on the promotional balance during the promotional\nterm at the applicable APR if only on-time minimum payments are made. This amount is then divided by the number of months of the promotional period and rounded up to the\nnearest dollar. The Promotional Offer period for this type of offer will generally be from 24 to 72 months.\n3. How We Calculate the Interest Charges on Your Account:\na. Interest and Any Minimum Interest Charges: Each billing cycle, we separately determine the interest charges on standard Purchases and each separate kind of promotional\nPurchase (each, a \xe2\x80\x9cType of Balance\xe2\x80\x9d). For each Type of Balance, we determine interest charges each billing cycle by multiplying the Balance Subject to Interest Rate by the applicable\nDaily Periodic Rate (see Account Summary Table for Interest Rate information) and by then multiplying the result by the number of days in the billing cycle. For each Type of Balance,\nthe 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\nbilling cycle, we add together the interest charges for all Type of Balances. We charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) of $1.00 in any billing cycle in which\nthe interest charge calculated under this Section 3 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\nas a \xe2\x80\x9cMinimum Charge\xe2\x80\x9d and will be included in the \xe2\x80\x9cInterest Charged\xe2\x80\x9d section on your Statement.\nb. How We Will Calculate Interest on Your Account: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions)\xe2\x80\x9d to compute the interest charge. For each\ntype 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\nbalance as $0), divided by the number of days in such cycle. Generally, the closing daily balance for each Type of Balance equals the balance at the beginning of the day plus\nany new transactions of the same Type of Balance and less any payments applied to such balance. At the beginning of each billing cycle, the closing daily balance for each Type\nof Balance will also include any applicable interest charges and fees carried over from the immediately preceding billing cycle; and in the case of a deferred interest Promotional\nOffer, it will include any interest charges that may have been assessed on the unpaid promotional balance at the end of the Promotional Offer term.\nc. How Interest Accrues and How to Avoid Paying Interest on Purchases: On each Purchase, interest begins to accrue on the transaction date. Generally, you can avoid paying\ninterest on standard Purchases in any given billing cycle if you pay your entire statement closing balance (identified on your Statement as the \xe2\x80\x9cNew Balance\xe2\x80\x9d) for that billing cycle\nin full by the Payment Due Date reflected on that Statement.\nIf you have a promotional balance(s) on your Account, you may still be able to avoid paying interest on standard Purchases provided you pay by the Payment Due Date the amount\nthat 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.\nFor each Type of Balance that is a separate kind of promotional Purchase, please see Section 2 of this Agreement for more information about how to avoid paying interest on\nthese transactions.\nd. Treatment of Late Fees and Returned Payment Fees: We do not charge interest on Late Fees or Returned Payment Fees.\n4. The Interest Rates on your Account: The \xe2\x80\x9cAnnual Percentage Rate\xe2\x80\x9d or \xe2\x80\x9cAPR\xe2\x80\x9d is the annual rate of interest charged on Account balances. In connection with a special\npromotion we may charge a reduced promotional rate of interest (which could be as low as a 0% APR). The Daily Periodic Rate (\xe2\x80\x9cDPR\xe2\x80\x9d) will equal the APR divided by 365. See\nthe Account Summary Table for the APR(s) on this Account and the corresponding DPR(s).\n5. A Minimum Payment is Due Each Month: Each billing cycle you agree to pay at least the minimum payment due by the payment due date shown on your monthly Statement\n(the \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d). Each Minimum Payment Due will be due the same day of each month (\xe2\x80\x9cPayment Due Date\xe2\x80\x9d) as reflected on the Statement (which will be at least\n25 days after your statement closing date each month).\nThe Minimum Payment Due will be calculated as follows:\nThe greater of:\na. 3.5% of each outstanding Purchase balance - without a special payment calculation; PLUS each payment amount due in connection with each balance that is subject\na. to a Promotional Offer that has a special payment calculation (e.g. Equal or Fixed Monthly Payment offers), each rounded up to the nearest dollar; OR\nb. $29. However, if a payment of $29 for each month during the promotional period would pay off the balance on a Deferred Interest Promotional Offer before the\nb. promotional expiration date, then the minimum payment shall be calculated as set forth in (1) above; PLUS\nc. any applicable fees and charges (except interest charges) assessed in the billing cycle; PLUS\nd. any past due amount\nThis amount is then rounded up to the nearest dollar.\nCredits, adjustments, refunds and similar Account transactions will not reduce your Minimum Payment Due. If you pay ahead by paying more than the Minimum Payment Due in\none billing cycle, you will not be excused from paying the Minimum Payment Due in subsequent billing cycles.\n6. How You Can Make Payments on Your Account: Instructions on how you can make payments on your account will be on your Statement each month.\n7. 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, we may charge you a late fee of an amount\nequal to the Minimum Payment Due or $29, whichever is less. If over the next six billing cycles, the Minimum Payment Due is not received by the Payment Due Date, we will\ncharge you a late fee of an amount equal to the Minimum Payment Due or $40, whichever is less. You understand and agree that at our option, such late fee will be immediately\ndue and payable.\n8. If a Payment is Returned You Will be Assessed a Returned Payment Fee: The first time your check or electronic payment is returned to us by your financial institution unpaid\nor dishonored, we may charge you a returned payment fee of an amount equal to the Minimum Payment Due or $25, whichever is less. If over the next six billing cycles, your\ncheck or electronic payment 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\nPayment Due or $35, whichever is less. You understand and agree that at our option, such returned payment fee will be immediately due and payable.\n9. Administrative Fees: If you request a copy of a Statement, sales draft or payment check, you will pay a fee if permitted by applicable law. The amount of the fee will be disclosed\nat the time you request this optional service. However, you will not be charged for copies of Statements, sales drafts, or other documents that you request for a billing error/inquiry\nyou may assert under applicable law.\n10. Your Credit Limit:\na. Generally: Your initial credit limit for the Account is shown in the materials that accompany the Card(s) and documents we send to you when your Account is opened. Your current\ncredit limit for the Account will be shown on your Statement. You may also telephone Customer Service at the number on the back of your Card or your Statement to find out what\nyour current credit limit is.\nb. Changes to Your Credit Limit: In our discretion, at any time, subject to applicable law, we may increase or decrease your credit limit without providing prior notice to you.\nYou may ask us to change your credit limit by contacting Customer Service at the number on the back of your Card or your Statement. We do not have to agree to any such request.\nc. Going Over Your Credit Limit: You may not go over your credit limit. We may permit you to go over your limit, but we are not required to do so. If your Account goes over your credit limit, you must\npay the over limit amount when it is billed to you, or sooner upon our request. If we permit you to exceed your credit limit, and we do not have to allow you to exceed your credit limit at a later date.\n11. Your Monthly Billing Statements: We will send a Statement to the physical address on our records each month, if required by applicable law. If you have agreed to receive\nelectronic statements, you may access your statements online at https://www.myonlineaccount.net or such other website we make available to you.\n12. 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.\na. How the Minimum Payment is Applied to Your Account: We will generally apply your Minimum Payment Due in the following order: (i) to interest charges and other fees;\n(ii) to purchase transactions with the lowest Daily Periodic Rates and corresponding APRs.\nb. Application of Payments in Excess of Minimum Payment. We will generally apply payments and credits in excess of the Minimum Payment Due in the following order: (i)\nto purchase transactions with the highest Daily Periodic Rates and corresponding APRs; (ii) to purchase transactions with the lowest Daily Periodic Rates and corresponding APRs;\nand (iii) to interest charges and other fees.\nc. Application of Payments during a Deferred Interest Promotional Offer Period: If you have one or more deferred interest Promotional Offer on your Account, payments will\nbe applied differently during the last two billing cycles before the expiration of the deferred interest promotional plan to help ensure that as much of the outstanding balance as\npossible is repaid by the end of the promotional period. We will apply any payments in excess of the Minimum Payment Due to the promotional plan balance. If more than one\n\n\x0cpromotional offer is expiring when a payment in excess of the Minimum Payment Due is received, we may apply the payment in any manner permitted by applicable law. See\nSection 2 of this Agreement, and any disclosures provided to you at the time of the deferred interest offer for more information on this type of promotional offer.\n13. If Your Payment is Returned Unpaid: If a payment you make is not honored by your bank and it has already been credited by us to your Account, we will reverse the credit\nand add the amount of the payment back to the Account as of the day the payment was first credited to the Account.\n14. Irregular Payment and Delay in Enforcement: We may accept late payments, partial payments, checks and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having the\nsame effect without losing any of our rights under this Agreement.\n15. If You Have a Credit Balance: We will make a good faith effort to return to you any credit balance on your Account over $1.00 if the credit balance has been on your Account\nlonger 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\nto Customer Service at P.O. Box 100114, Columbia, South Carolina 29202-3114, by first class mail, postage prepaid. We may reduce the amount of any credit balance on your\nAccount by applying the credit balance towards new fees and charges posted to your Account.\n16. Purchases Made by Your Authorized Users: We may allow you to have Authorized Users who may use your Account. When you allow an Authorized User to use your\naccount, 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\ncauses you to exceed your credit limit. You must notify us at the telephone number on the back of your Card to revoke your permission to allow an Authorized User to use your\nCard 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.\n17. Entire Agreement: This Agreement (as amended and supplemented from time to time), including the Account Summary Table and the application, constitute the final\nexpression of the agreement between you and us. This Agreement may not be contradicted by evidence of any prior, contemporaneous or subsequent oral agreement between\nyou and us regarding your Account. The retail store and its employees have no authority to change, add to or explain the terms of this Agreement except to provide you with our\nPromotional Offers. For more information or questions, call Customer Service at the number on the back of your Card.\n18. If You Default on This Agreement: You agree that you will be in default if any of the following events occurs:\n\xe2\x80\xa2 We do not receive a required minimum payment by 5 p.m., Eastern Time, on the Payment Due Date, accompanied by your Statement payment stub (if mailed), or we\n\xe2\x80\xa2 do not receive any other payment required by this Agreement when such payment is due.\n\xe2\x80\xa2 You exceed the credit limit.\n\xe2\x80\xa2 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\n\xe2\x80\xa2 petition or filing.\n\xe2\x80\xa2 You give us false or misleading information at any time in connection with your Account.\n\xe2\x80\xa2 You send us a check or similar instrument that is returned to us unpaid, or any automatic, electronic or other payment on your Account cannot be processed or is returned\n\xe2\x80\xa2 unpaid, for any reason, within the last six (6) billing cycles.\n\xe2\x80\xa2 You breach or otherwise fail to comply with any term or condition of this Agreement.\n\xe2\x80\xa2 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.\n\xe2\x80\xa2 You do not give us any updated information about your finances, employment, or any other information we may reasonably request, promptly after the request.\nUpon default: (a) we will not be obligated to honor any attempted use of your Account (even if we do not give you advance notice); (b) we may require you to pay at once all or\nany portion of the balance outstanding under the Account; and (c) we may exercise any right provided by this Agreement or applicable law.\n19. Your Liability for Unauthorized Use: If your Card is lost or stolen or if you believe someone may have used your Account without your permission, you must notify us at\nonce. 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 100114,\nColumbia, South Carolina 29202-3114 or by calling Customer Service at 1-800-252-2551, of the loss or theft of the Card or the possible unauthorized use of the Account. Your\nmaximum 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\nCard may have been lost or stolen, or that there may be unauthorized access to your Account.\n20. Closing Your Account:\na. We May Close your Account at Any Time: We may without prior notice suspend or close your Account to new transactions at any time, for any reason, including but not\nlimited to a change to your creditworthiness or Account inactivity. If we suspend or close your Account to new transactions, you still must pay us all amounts you owe under this\nAgreement (including any future interest charges or fees), and you agree that we are not liable to you for any consequences resulting from closing your Account. If you are in\ndefault, 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\nminimum 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,\nor otherwise deliberately damaged the devices to prevent unauthorized use by third parties).\nb. You May Ask Us to Close Your Account: You may ask us to close your Account to new transactions at any time, by notifying Customer Service at P.O. Box 100114, Columbia,\nSouth Carolina 29202-3114, and returning all Cards and other Account access devices to us (cut, torn, or otherwise deliberately damaged to prevent unauthorized use by third\nparties) with your written notice or, 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\nrequire written notice from you. You also agree to stop using the Account immediately after you notify us that you want to close your Account.\n21. The Address on Your Account and Our Notices to You: If required by applicable law, we will send Statements and Account notices to your physical address on our records.\nIf you have elected 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\nare ready. 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\n100114, Columbia, South Carolina 29202-3114 or by calling us at the number on the back of your Card. We may in our discretion accept changes to your mailing address from\nthe U.S. Postal Service. If this is a joint Account, we may send billing statements and notices to either of you.\n22. Our Rights Continue: Any failure or delay in exercising any of our rights under the Agreement will not preclude us from later exercising those rights.\n23. Changing This Agreement: Subject to applicable law, we may change this Agreement at any time or from time to time. For example, we may change fees, add new fees,\nchange 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\nchanges to this Agreement if required by applicable law. Any change, including any increase or decrease in the APRs on your Account, will become effective at the time stated\nin our notice and will apply to those balances, including new transactions, on your Account as described in our notice.\n24. Your Credit Performance: Your Account was established based upon criteria reflecting your particular credit history. From time to time we review your credit performance.\nIf your credit performance changes, we may change some or all of your Account terms. We will notify you of such changes in accordance with applicable law.\n25. Your Credit Information and Your Credit Report: You authorize us to obtain reports from consumer reporting agencies in connection with this Agreement and from time to\ntime in connection with the review of your Account, or any update, extension or renewals of your Account, and for the purpose of collecting your Account. You authorize us to\nverify with others any information and to provide information about our transactions with you to third parties (including consumer reporting agencies, merchants and other\nlenders) for lawful purposes. YOU UNDERSTAND WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. SUBJECT TO APPLICABLE LAW, LATE\nPAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.\n26. How to Dispute Credit Reports Regarding Your Account: If you think the information we furnished to consumer reporting agencies on the Account is not accurate, you\nshould write us at P.O. Box 100270, Columbia, South Carolina 29202-3270 Attn: Credit Report Dispute. You may experience a delay if you do not write to this address. In order\nfor 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\nis 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.\n27. Your Authorization for Automatic Dialing and Monitoring/ Recording of Calls: We may telephone you using an automatic dialing-announcing device. Your telephone\nconversations 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\nand 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,\nmonitoring, and/or recording.\n28. Telephone Numbers We May Use to Contact You. When you give us your mobile phone number, we have your permission to contact you at that number about all of your\nTD Bank accounts. Your consent allows us to use text messaging, artificial or pre-recorded voice messages and automatic dialing technology for informational and account\nservice 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.\nYou may contact us anytime to change these preferences.\n29. Assignment. We may at any time assign or sell this Account, any sums due on this Account, this Agreement, or your rights or obligations under this Agreement. Any person(s) to whom we make any\nsuch 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.\n30. Governing Law: This Agreement, including the rate of interest and fees, is governed by applicable federal law and the substantive laws of the State of Delaware\n(to the extent not preempted by federal law) without regard to principles of conflict of law or choice of law.\n\n\x0c31. 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\nby applicable law and regulation may be delivered to you electronically, so long as you have not withdrawn consent. Other documents that we may make available to you\nelectronically 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\ndisclosures 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\nfederal or state law to be provided to you in writing.\nYou may request a paper copy of any notice you receive electronically, and any required notice will be provided at no charge to you. If this is a joint account, any account holder\nmay 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\nwithdraw your consent or request paper copies of notices, you must call us at 1-800-252-2551. However, withdrawing such consent may result in your account being closed.\nIn order to receive this information electronically, you must have a PC using Microsoft Internet Explorer 8\xc2\xae or greater, or other current version of Google Chrome\xc2\xae, Mozilla\nFirefox\xc2\xae, or Google Safari\xc2\xae. All browsers must support JavaScript, Cookies and SSL (Secured Socket Layer) for channel encryption, using 128-bit encryption. You must have a\npublic IP address that does not change mid-session, otherwise for security reasons the session will be terminated.\n32. Security Interest: You hereby give us a first priority purchase-money security interest in any items purchased under the Account, and the proceeds thereof, including insurance\nproceeds. Additionally, you authorize us to file any financing statements showing our security interest in the purchase and proceeds thereof without your signature, or in the event\nstate law requires your signature, you agree to join in executing all necessary financing statements in a form satisfactory to us. Any given purchase will remain as security for all\npurchases until such time as that purchase is completely paid for, and you agree that your payments will be deemed applied as stated in Section 12 of this Agreement.\nNOTICES\nA. YOU MAY AT ANY TIME PAY YOUR TOTAL INDEBTEDNESS UNDER THIS AGREEMENT.\nB. YOU WILL KEEP A COPY OF THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS.\nC. SUBJECT TO APPLICABLE LAW, THE BANK CAN CHANGE THE TERMS OF, ADD NEW TERMS TO, OR DELETE TERMS FROM THIS AGREEMENT. THE BANK WILL\nGIVE YOU ADVANCE NOTICE OF THE CHANGE, ADDITION OR DELETION WHEN REQUIRED BY APPLICABLE LAW. ANY CHANGE, ADDITION, OR DELETION TO\nTHIS AGREEMENT WILL BECOME EFFECTIVE AT THE TIME STATED IN THE NOTICE.\nNOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE\nSELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY\nTHE DEBTOR HEREUNDER.\nNew Jersey Residents: Certain provisions of this Agreement may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, are\nvoid, unenforceable or inapplicable in New Jersey.\nActive Duty Service Members and Dependents: The following important notice applies if you are an active duty service member or a dependent of one at the time you\nrequest an Account. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In\ngeneral, the cost of consumer credit to a member of the Armed Forces and his or her dependents may not exceed an annual percentage rate of 36 percent. This rate\nmust include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account). If you would like more information regarding your account, please call us at 1-800-877-7467.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at: Customer Service at P.O. Box 100114, Columbia, South Carolina 29202-3114.\nIn your letter, give us the following information:\n\xe2\x80\xa2\nAccount Information: Your Name and Account number.\n\xe2\x80\xa2\nDollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2\nDescription of the problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay\nthe amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2.\nWithin 90 days of receiving your letter, we must either correct the error or explain why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question or report you as delinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\nIf we made a mistake: You will not have to pay the amount in question, or any interest or other fees related to that amount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a\n\xe2\x80\xa2\nstatement 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.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and\nwe must let those organizations know when the matter has been settled between us.\nIf we don\xe2\x80\x99t follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\nThe 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\nthan $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\nyou the goods or services.)\n2.\nYou 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\naccount do not qualify.\n3.\nYou must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Customer Service at P.O. Box 100114, Columbia, South\nCarolina 29202-3114.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point,\nif we think you owe an amount and you do not pay, we may report you as delinquent.\nNON L&G\xe2\x80\xa2CAP76618\xe2\x80\xa20521\n\n\x0c'