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Personal Credit Card Agreement 

TD Easy Rewards Secured or TD Cash Rewards Secured  

1.  INTRODUCTION   
Your TD Easy Rewards Secured or TD Cash Rewards Secured account (your “Credit Card Account”) is subject to this Personal Credit Card 
Agreement, including any Addendum or other related materials that accompany the TD Easy Rewards Secured or TD Cash Rewards Secured 
card (the “Card”) we send you when we open a Credit Card Account for you. This Personal Credit Card Agreement, Interest Rate and Fee 
Schedule and other related materials, including application terms and conditions, and your application acknowledgement are all collectively 
referred to as the “Agreement.” Please read and keep this Agreement for your records. By accepting the Card and using or maintaining your 
Credit Card Account, or letting someone else use your Card or your Credit Card Account, you agree to all of the terms of this Agreement, 
including any changes we make to the Agreement from time to time. 

A. Account Use and Acceptance. By accepting the Card and using or maintaining your Account, or letting someone else use your Card or 
your Account, you agree to all of the terms of this Agreement, including any changes we make to the Agreement from time to time.  Use of 
the Account, which includes activating the Card, or signing the Card, a sales slip or similar document, by you is the equivalent of signing this 
Agreement and any such use will constitute acceptance of all the terms and conditions of this Agreement, even though this Agreement is not 
signed.  You acknowledge that you received a copy of this Agreement. 

You, your, and yours mean each person responsible for paying all amounts owed under this Agreement, including the person who applied for 
the Credit Card Account, and the person to whom we direct billing statements (“Statements”). We, us, our, and TD Bank mean TD Bank, 
N.A., a national bank with its main office located in Delaware, and its successors and assigns. We will issue you one or more Card(s) and 
may also, in our sole discretion and from time to time after the Credit Card Account is opened, issue additional Credit Card Account access 
devices (such as, for example, Convenience Checks).   

You agree to use the Card and the Credit Card Account only for your own lawful personal, family or household purposes. You agree 
that you will not use the Card or the Credit Card Account for any business or commercial purposes, and also will not use the Card or 
the Credit Card Account for any unlawful or illegal purposes.  Such transactions include, but are not limited to, online gambling 
transactions, and any betting transactions that are illegal under applicable law including the purchase of lottery tickets or casino 
chips, or off-track betting and wagering.  We reserve the right to block all such transactions. However, in the event that a charge or 
transaction described in this disclosure is approved and processed, you will still be liable for the charge.  

B. Promise to Pay. You will be liable for all use of the Card or the Credit Card Account by you or by any person with actual, implied, or 
apparent authority to act for you or to use the Card or the Credit Card Account.  

You authorize us to pay and charge your Credit Card Account for all purchases, balance transfers, and cash advances resulting from the use 
of your Card or the Credit Card Account. You promise to pay us (in U.S. Dollars drawn on U.S. banks) as required by this Agreement for all 
of these purchases, balance transfers, and cash advances, plus interest charges and all other fees and charges owed under this Agreement. 

2. COLLATERAL ACCOUNT AND SECURITY AGREEMENT 

A. Collateral Account.  You understand and agree that you established and will maintain an individual TD Bank savings account (the 
“Collateral Account”) to secure repayment of your Credit Card Account in your name.  You deposited and will maintain an amount that 
equals your Credit Card Account credit limit in the Collateral Account and provided the security deposit funds (“Funds”) to serve as security 
for your Credit Card Account.  You agree to sign all applications and documents that we may request from time to time that show that you 
have granted and assigned to us the security interest in the Collateral Account. 

B. Security Agreement.  As of the date you established the Collateral Account and provided the Funds, you agree as follows (terms not 
defined in this section 2.B. (the “Security Agreement”) have the same meaning that such terms have in the remainder of this Agreement): 

1. Collateral.  You understand and agree that you have provided Funds to serve as security for your Credit Card Account.  All Funds will be 
held in the Collateral Account.  If the Collateral Account is amended, extended, renewed or closed and replaced for any reason, the resulting 

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Collateral Account will be deemed the Collateral Account for purposes of this Security Agreement.  You may not use any portion of the 
Collateral Account to secure other loans. 

2. No Withdrawals.  You agree not to make withdrawals from the Collateral Account while the Funds are used as collateral to secure the 
obligations to TD Bank that you incur in connection with your Credit Card Account.   

3. Pledge and Grant of Security Interest.  Your obligations to TD Bank under the Agreement and this Security Agreement and any 
expenses that TD Bank incurs in enforcing your obligations under the Agreement and this Security Agreement, where permitted by applicable 
law, are collectively referred to as “Obligations.”  You hereby pledge and grant to TD Bank a security interest in the Funds for the purpose of 
securing your Obligations.  You irrevocably and unconditionally relinquish all possession and control over and pledge and assign as security 
to TD Bank, as of such date, all of your right, title and interest in and to any and all Funds.  You agree to take any actions requested of TD 
Bank to perfect or protect the first lien position of TD Bank’s security interest in the Funds.     

4. Legal Proceedings.  You represent that there are no current lawsuits or bankruptcy proceedings that might affect TD Bank’s interest in the 
Funds.  You have not and will not attempt to transfer any interest in the Funds to any person other than TD Bank. 

5. TD Bank’s Actions.  TD Bank will maintain records to account for the Funds.  TD Bank will pay interest on the Funds.  Such interest will 
be added to the Collateral Account and will constitute proceeds securing your Obligations. 

6. Default.  You shall be in default under this Security Agreement if you are in default in any respect as defined in the Agreement, including 
failing to pay your Obligations at any time when due.  Upon any such default, you hereby authorize TD Bank to withdraw Funds from the 
Collateral Account and to apply such amounts to your Obligations without additional notice or demand for payment.  The foregoing rights 
shall be in addition to all other rights of TD Bank provided by law or under the Agreement. 

7. Application of Funds to the Credit Card Account.  If you or TD Bank close the Credit Card Account, or if you are in default on the 
Credit Card Account, TD Bank may apply the Funds towards any outstanding Obligations on the Credit Card Account.  You will not be 
considered to have made a payment on the Credit Card Account because we have applied funds from the Collateral Account to the Credit 
Card Account.  If you have any outstanding Obligations after the Funds are applied, you will be responsible for the repayment of that amount, 
and TD Bank may continue to report the Credit Card Account as delinquent. 

8. Applicable Law; Assignment.  This Security Agreement and TD Bank’s security interest and rights as pledged hereunder shall be 
governed by the laws of the State of Delaware.  TD Bank may, in its sole discretion, assign its rights and obligations under this Security 
Agreement. 

9. Personal Deposit Account Agreement.  You acknowledge that the provisions of the TD Bank Personal Deposit Account Agreement you 
received when you established the Collateral Account (the “Deposit Account Agreement”) apply to the Collateral Account.  If a provision of 
the Deposit Account Agreement conflicts with this Security Agreement, this Security Agreement will prevail. 

3. ELIGIBILITY TO APPLY FOR AN UNSECURED CARD 

If you maintain a Credit Card Account for 24 consecutive Billing Cycles without committing an act of default pursuant to this Agreement, 
you may be eligible to apply for an unsecured TD Bank credit card.  You must meet separate eligibility requirements in order to obtain such 
an unsecured card. 

4.  GOVERNING LAW  

Applicable federal law and the substantive laws of the State of Delaware (to the extent not preempted by federal law) without regard 
to principles of conflicts of law or choice of law shall govern this Agreement including the rate of interest and fees.  I also agree that 
the federal and state courts sitting in New Castle County, Delaware shall have exclusive jurisdiction over any judicial action or 
proceeding relating to or arising out of the Account or Agreement, and I agree to submit to the personal jurisdiction of such courts.  
If any part of this Agreement is held to be invalid, the rest will remain in effect.  To the extent any court determines that this 
Agreement is subject to Maryland law concerning credit, you and TD Bank agree that your Account is governed by Title 12, Subtitle 
9 of the Commercial Law Article of the Annotated Code of Maryland, except as preempted by federal law. 

5.  USING YOUR CREDIT CARD ACCOUNT 

A. Credit Limit.  
1. General. Your initial credit limit for the Credit Card Account is shown in the materials that accompany the Card(s) we send you when we 
open a Credit Card Account for you. Your credit limit will not exceed the amount of funds in the Collateral Account.  Your current credit 

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limit for the Credit Card Account will be shown on each Statement. You also may telephone Customer Service at 1-888-561-8861 for your 
current credit limit. You agree to not go over your credit limit.    

2. Cash Advances.  We may set a credit limit for the total dollar amount of cash advances that may be outstanding from time to time that is 
lower than the overall credit limit for the Credit Card Account, and we may also change the credit limit for cash advances in our discretion 
from time to time.  

3. Changes to Credit Limit. In our discretion, at any time, we may change the credit limit that applies to your Credit Card Account.  We will 
notify you if we change your credit limit by mail and will show the credit limit on your Statement. You may ask us to change your credit limit 
by contacting Customer Service at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, or by telephoning 
Customer Service at 1-888-561-8861. We do not have to agree to any such request. 

B. Types of Transactions. 

1. Purchases. You may use the Card to pay for the purchase or lease of goods or services, wherever the Card is honored. If you use the Card 
to purchase or lease goods or services by telephone, mail, or internet, you agree that your signature is not necessary as identification in such 
cases. You authorize us to accept reasonable documentation from any merchant regarding use of your Card by telephone, mail, or internet. 

2. Balance Transfers. You may obtain an advance from us by following instructions we give you (or by completing a special balance 
transfer check we give you), in order to transfer balances from other eligible credit card accounts of yours with third parties (not with TD 
Bank or with banks now or hereafter affiliated with TD Bank through common ownership or control) to the Credit Card Account. We may 
limit the number and types of credit card accounts from which we will allow you to transfer balances to the Credit Card Account, and the 
times, manner, and circumstances in which balance transfers may be requested. We may refuse to process balance transfer checks or balance 
transfer requests received after any applicable expiration date printed on the balance transfer checks or request forms. We will not return paid 
balance transfer checks to you. We will not certify any balance transfer checks. All balance transfers are subject to your available credit limit. 
The minimum balance transfer amount is $250 (plus the balance transfer transaction fee described in the Section 7.B.4). You may not post-
date any balance transfer check. You agree that we may refuse to process a post-dated balance transfer check, or process it before the date on 
the check, in our sole discretion.  

3. Cash Advances. You may use the Card to obtain cash advances from a financial institution, an automated teller machine or similar device 
or terminal (ATM), or any other party that agrees to honor the Card for cash advance purposes. For example, the Card may be used to obtain 
cash advances at ATMs displaying the VISA logo, and from participating banks or other financial institutions honoring VISA credit cards. 
You may be required to sign a special form and/or provide your personal identification number (PIN) before your Card will be honored for a 
cash advance. Cash advances may not be used to pay any amount owed to TD Bank or with banks now or hereafter affiliated with TD Bank 
through common ownership or control.  Please be sure to select a PIN that is not easily identifiable and does not consist of one single number 
(for example, “1111”), or consecutive numbers. PINs should also not be based on or include your birth date, zip code, or Card/Credit Card 
Account number.  Please do not write your PIN on the Card and do not keep your PIN with or near the Card or “Convenience Checks”.  See 
Section 7.B.4 for fee information. 

4. Convenience Checks.  We may agree to provide you with Convenience Checks.  A Convenience Check is a special check that we may 
provide for your use from time to time, in our sole discretion, to access your Credit Card Account. Each Convenience Check must be in the 
form we issue, and must be used according to the instructions we give you. You may be required to sign a special form and/or provide your 
PIN before your Convenience Check will be honored for a cash advance. We may refuse to process Convenience Checks received after any 
applicable expiration date printed on them. We will not return paid Convenience Checks to you. Convenience Checks may not be used to pay 
any amount owed to TD Bank or with banks now or hereafter affiliated with TD Bank through common ownership or control. We will not 
certify any Convenience Checks.  You may not post-date any Convenience Check. You agree that we may refuse to process a post-dated 
Convenience Check, or process it before the date on the check, in our sole discretion.   

C. Stop Payment.  If you want us to stop payment on a Convenience Check or balance transfer, notify Customer Service immediately at P.O. 
Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, or call us at 1-888-561-8861. If you call, you must confirm your 
stop payment request in writing within 14 days. A written stop payment request will remain in effect for 6 months unless renewed in writing 
as described above. 

You agree to call or write us with your stop payment request as soon as possible after you have written the Convenience Check or balance 
transfer check or otherwise submitted a balance transfer request. You will describe the check or balance transfer, and give us enough 
information about the check or balance transfer so that we can identify it. 

Whenever you ask us to stop payment on a Convenience Check or balance transfer, we will make reasonable efforts not to pay that check or 
balance transfer. However, if we pay that Convenience Check or balance transfer despite these efforts, you agree that we will not be liable to 
you for paying that Convenience Check or balance transfer. You also agree that we may not be able to stop payment on a Convenience Check 
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or balance transfer if you call or write us after we have started processing the Convenience Check or balance transfer.  You agree to pay us a 
stop payment fee whenever you ask us to stop payment on a Convenience Check or balance transfer. See Interest Rate and Fee Schedule for 
more information. 

D. Refusal to Honor the Card or Other Credit Card Account Access Device. You agree that a merchant, business, or financial institution 
may refuse to honor the Card, a Convenience Check, or any other Credit Card Account access device we may provide you as payment for 
purchases or as a means of obtaining cash advances. You agree that you have no legal claims or damages against us or anyone else if your use 
of the Credit Card Account is denied by any merchant, business, or financial institution. 

E. Statements. 

1. Billing Cycle.  In order to manage your Credit Card Account, we divide time into periods of approximately 28 to 34 days, each a “Billing 
Cycle”. (Your first Billing Cycle may be shorter, if the Credit Card Account is opened in the middle of what would otherwise have been a 
regular Billing Cycle.) At the end of a Billing Cycle, if there was activity on your Credit Card Account, we will send you a Statement 
showing what you owe (the “New Balance”) as of the end of the Billing Cycle, including purchases, payments, credits, cash advances, 
balance transfers, fees and charges, and other information about your Credit Card Account transactions. 

2. General. At the end of a Billing Cycle, if there was activity on your Credit Card Account, we will send you a Statement showing what you 
owe as of the end of the Billing Cycle. The Statement will show the New Balance, any interest charges you owe, the minimum payment due, 
and the payment due date. The Statement will also show your current credit limit for the Credit Card Account, an itemized list of fees, 
charges, payments, and credits posted to the Credit Card Account during the Billing Cycle, and other important information. We will mail or 
deliver the Statement to the address we have on file for your Credit Card Account. You agree that your most recent Statement is the best 
evidence of what you owe on your Credit Card Account as of the end of the Billing Cycle covered by that Statement. 

3. Change of Address. You must notify us promptly of any change in your address by contacting Customer Service at P.O. Box 84037, 
Columbus, GA 31908-4037, by first class mail, postage prepaid, or by calling us at 1-888-561-8861. Until we receive, process, and verify 
your new address, we will continue to send Statements and other notices to the last address we have on file for your Credit Card Account.   
We may accept mailing address corrections from the United States Postal Service.  If we make a change to our address or another material 
change to how we process payments and there is a material delay in the crediting of payments, there will be a courtesy period of 60 days after 
the effective date of the change before we consider the receipt of payments as late.   

F. How We Determine the New Balance. The total outstanding balance on your Credit Card Account as of the last day of a Billing Cycle 
appears as the New Balance on your Statement. To determine the New Balance, we begin with the total outstanding balance on your Credit 
Card Account at the beginning of each Billing Cycle (called the Previous Balance on the Statement), add any new purchases, balance 
transfers, and cash advances posted to the Credit Card Account during the Billing Cycle, and subtract any payments and credits we have 
posted to the Credit Card Account during the Billing Cycle. We then add the appropriate interest charges, fees, and other applicable 
adjustments to your Credit Card Account. The New Balance on your Statement for the current Billing Cycle will be the Previous Balance on 
your Statement for the next Billing Cycle. 

G. Credit Balance. We will make a good faith effort to return to you any credit balance on your Account  if the credit balance has been on 
your Account longer than six (6) consecutive billing cycles (or, in our discretion, for a shorter time period). You may also request a refund of 
a credit balance on your Account at any time, by sending your request to Customer Service at P.O. Box 84037, Columbus, GA 31908-4037, 
by first class mail, postage prepaid. We may reduce the amount of any credit balance on your Account by applying the credit balance towards 
new fees and charges posted to your Account.  We do not pay any interest on credit balances. 

H. Payments. You may at any time pay off the full unpaid balance under this Agreement.   

1. Minimum Payment. In accordance with the laws governing this Agreement, we reserve the right to change your minimum payment.  Each 
Billing Cycle you must pay a minimum payment so that we receive it with the required payment stub (if you mail your minimum payment to 
us) at the address we specify for payments on your Statement by no later than 5:00 p.m., Eastern Time, on (or before) the payment due date 
shown on your Statement.  The minimum payment due each Billing Cycle is the greater of: 

(i) 

Two percent (2.00%) of the New Balance rounded up to the next whole dollar where applicable, or 

(ii) 

$ 35.00, or  

(iii) 

One percent (1.00%) of the New Balance plus: 

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(a) 

(b) 

(c) 

The full amount of any transaction fees (such as cash advance,  
balance transfer, and foreign transaction fees) owed for the  
Billing Cycle; plus 

The periodic interest charges for the Billing Cycle; plus 

The full amount of any late payment fee, returned  
payment fee, and other applicable Credit Card Account fees owed; plus 

(d) 

Any past due minimum payments. 

If your New Balance is less than $35.00, your minimum payment will equal your New Balance.  Credits, adjustments, refunds, prepayments, 
and similar Credit Card Account transactions may not be used in place of payment of any portion of a required minimum payment.  You may 
pay more than the minimum payment due (this is a prepayment) without any penalty.  The sooner you pay the New Balance, the less you will 
pay in interest charges.  A prepayment in one Billing Cycle will not excuse you from paying the minimum payment due in the next Billing 
Cycle.  

2. Where to Send Payments.   Payments may be completed by mail, online, at a TD Bank store or over the phone.   

Payments must be sent to the payment address shown on your Statement and must include the remittance coupon from your 
Statement. Payments made by mail will be credited to your Credit Card Account as of the Business Day we receive the payment at 
the address we specify for payments on your Statement, provided we receive the payment by 5 p.m., Eastern Time on a Business Day 
and it is accompanied by your Statement’s payment stub. A Business Day is defined as Monday through Friday, excluding federal 
holidays. Payments we receive after 5 p.m. Eastern Time or on a day that is not a Business Day, at the address we specify for 
payments on your Statement, will be posted to your Credit Card Account as of the next Business Day, provided they are 
accompanied by your Statement’s payment stub (if mailed). Payments that are mailed to us should be in the form of checks or money 
orders (in U.S. dollars drawn on U.S. banks). You agree to not give us any post-dated check as payment on the Credit Card Account.  
If the payment due date falls on a day on which we do not receive or accept payments, the payment will not be treated as late if 
received the next Business Day. Important:  We may reject or delay posting nonconforming payments. For example: there may be a delay 
of up to five (5) days in crediting a payment if it is received at an address other than the address we specify for payments on your Statement, 
or if it is received without the required payment stub.  

Payments made online will be credited to your Credit Card Account with a payment as of the Business Day we receive the payment by 
internet if it is received by 5 p.m., Eastern Time on a Business Day.  If we receive an internet payment after 5 p.m., Eastern Time, or on a day 
that is not a Business Day, we will credit the payment to your Credit Card Account the next Business Day.   

Payments made in person to one of our employees at a TD Bank store by the close of business for that location, will be credited to your 
Credit Card Account on the day you make your payment.  

Payments made by phone, will be credited to your Credit Card Account as of the Business Day we receive the payment by phone if it is 
received by 5 p.m., Eastern Time on a Business Day.  If we receive a phone payment after 5 p.m., Eastern Time, or on a day that is not a 
Business Day, we will credit your Credit Card Account the next Business Day.   

Your available credit limit(s) may not reflect the payment for up to fifteen (15) days after we have posted a payment to your Credit Card 
Account.   

3. No Cash Payments. Do not mail any cash payments. Cash payments should only be made in-person at a TD Bank store. (Please see 
“Where to Send Payments” section above.)  

4. Application of Payments.  

a. Generally.  We will generally apply your minimum payment in the following order: 
(i) 
(ii) 
(iii) 

to Interest Charges and other fees; 
to transactions (purchases, balance transfers, cash advances) with the lowest Daily Periodic Rates and corresponding APRs; 
to transactions with the highest Daily Periodic Rates and corresponding APRs. 

b. Application of Payments in Excess of Minimum Payment.  We will generally apply your payments and credits in excess of the 
minimum payment in the following order: 
 (i) 
APRs; 

to transactions (purchases, balance transfers, cash advances) with the highest Daily Periodic Rates and corresponding 

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(ii) 

 to transactions with the lowest Daily Periodic Rates and corresponding APRs. 

5. Payments Marked “Paid in Full”. If you or anyone else marks a check, money order, or other instrument sent in payment on your Credit 
Card Account “paid in full” or uses a similar phrase on or with the check, money order or other instrument, in order to settle a debt owed on 
your Credit Card Account that is reasonably in dispute, you must send the check, money order or other instrument (and any accompanying 
letter or other instructions) to: TD Bank, P.O. Box 23072, Columbus, GA 31902-3072, Attention: Customer Service. 

If you send your payment to any other address, you agree that (i) we may ignore any special notations or instructions on or with the payment, 
and (ii) our crediting any such payment to the Credit Card Account does not mean that we have agreed to any special notations or instructions 
on or with the payment. 

6. No Waiver. We may accept late or partial payments, and payments that do not comply with the requirements of this section entitled 
“Payments”, without losing any of our rights under this Agreement. 

7. Automatic Payments. We may, in our sole discretion, agree to allow you to make the minimum payments required under this Agreement 
(or any larger monthly payment you and we may agree to from time to time) through automatic payments from a savings or checking account 
each Billing Cycle. We do not have to allow automatic payments under this Agreement. If we agree to allow automatic payments, we may 
terminate our agreement to permit you to make automatic payments at any time. 

If we agree to allow automatic payments, no automatic payment will occur unless the savings or checking account has sufficient collected 
funds in it, on the Business Day before the payment due date, to cover the full amount of the minimum payment due (or any larger monthly 
payment you and we may agree to from time to time). If an automatic payment does not occur, for any reason, you will be responsible for 
sending us the minimum payment and any late fee due. 

If you have authorized us to pay your credit card bill automatically from your checking or savings account with us, you can stop the payment 
on any amount you think is wrong.  To stop the payment write to: TD Bank  P.O. Box 84037  Columbus, GA 31908-4037 or call 1-888-561-
8861.  To stop the payment, your letter or telephone call must reach us 3 Business Days before the automatic payment is scheduled to occur.  

8. Electronic Check Conversion. When you send a check as payment, you authorize us either to use information from your check to make a 
one-time electronic fund transfer from your bank account or (at our option) to process the payment as a check transaction. When we use 
information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we 
receive your payment, and you will not receive your check back from your financial institution.  If we cannot process the electronic fund 
transfer, or if it is returned to us, you authorize us to reinitiate the electronic fund transfer from your bank account.  Alternatively, we may (at 
our option) present the original check, a substitute check, draft or similar negotiable instrument to obtain payment.  If you have questions 
about electronic check conversion, you may telephone us at 1-888-561-8861.  

9. Other Payment Requirements. All Credit Card Account payments must conform to the requirements described above in this section 
entitled Payments and any additional requirements set forth on the Statement. We may change any of these requirements (including without 
limitation requirements set forth on the Statement) without advance notice. 

I. The Card, Convenience Checks, and Other Access Devices. 

1. General. The Card, Convenience Checks, and any other access device we choose to issue from time to time in connection with the Credit 
Card Account, belong to us. If we close the Credit Card Account, you agree to cut, tear or otherwise deliberately damage (to prevent 
unauthorized use by third parties) and surrender all Cards, Convenience Checks, and other Credit Card Account access devices in your 
possession or control, and to stop all use of the Credit Card Account immediately upon our request. 

2. Additional Cards. You agree that we may limit the total number of Cards and other Credit Card Account access devices that may be used 
to charge transactions to your Credit Card Account, in our sole discretion. 

J. Lost or Stolen Cards, Credit Card Account Numbers, Convenience Checks, or Balance Transfer Checks. 

If any Card, Credit Card Account number, Convenience Check, balance transfer check, or other access device we issue in connection with the 
Credit Card Account, is lost or stolen, or if you think someone used or may use them without your permission, notify us AT ONCE by 
calling 1-888-561-8861. Unless prohibited by applicable law, we may close your Credit Card Account if you fail to notify us immediately of 
any of these events.  You agree that we may close the Credit Card Account to new transactions, change the Credit Card Account number, and 
issue you a new Card(s) and new Credit Card Account access devices with a different Credit Card Account number, if we have been notified 
of the possible loss, theft, or unauthorized use of your Card, Credit Card Account number, Convenience Check, balance transfer check, or 
other Credit Card Account access device. If we do this, you must notify anyone you have authorized to submit and post charges to your 
Credit Card Account of the new Credit Card Account number.  Do not use the Card, Credit Card Account number, any Convenience Check, 

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balance transfer check, or other Credit Card Account access device after we’ve been notified, even if the Card, Convenience Check, balance 
transfer check, or other Credit Card Account access device is later found or returned. 

Under VISA U.S.A.’s “Zero Liability Policy” you may not be liable for the unauthorized use of your Credit Card Account or Card that results 
in a fraudulent transaction made over the VISA network.  To be eligible, you must notify us immediately of any unauthorized use of your 
Credit Card Account or Card.  We will provisionally credit you for losses from the unauthorized Card use within five (5) Business Days of 
your notification to us of the loss.  The VISA Zero Liability Policy does not apply to transactions made at an ATM or to any transactions 
made using your PIN that are not processed by VISA.  We may impose greater liability, or withhold, delay, limit or rescind any provisional 
credit that we provide to you under the Zero Liability Policy, based on factors such as your gross negligence or fraud, your delay in reporting 
unauthorized use, our investigation and verification of your claim, your Credit Card Account standing and history and other factors.  If you 
are not eligible for the VISA Zero Liability Policy or it otherwise does not apply, you may be liable for unauthorized use of your Credit Card 
Account, but not for more than $50. You won’t be liable for any unauthorized use of the Credit Card Account that occurs after you notify us 
of the loss, theft, or possible unauthorized use of your Card, Credit Card Account number, Convenience Check, balance transfer check, or 
other Credit Card Account access device. We may require you to provide certain information in writing to help us find out what happened. 
You also must identify for us any charges on your Statement that were not made by you or someone authorized by you, and from which you 
received no benefit.  

6.  INTEREST CHARGES  

A. Annual Percentage Rates. Annual Percentage Rate or APR means the annual rate of interest charged on Credit Card Account balances, 
without taking into account transaction fees (such as cash advance or balance transfer transaction fees or foreign transaction fees). The 
standard (non-introductory) APRs and corresponding Daily Periodic Rates are listed in the Interest Rate and Fee Schedule that is at the end of 
this document or provided separately. To get the daily periodic rate we divide the APR by 365 and round at the sixth place after the decimal 
point. We may charge different Daily Periodic Rates and APRs on different Credit Card Account transactions (for example, different Daily 
Periodic Rates and APRs on purchases, cash advances, and balance transfers), or during special promotional periods.  

B. Variable Rates. The APRs that apply to your Credit Card Account are subject to change each Billing Cycle with changes to the Index.  
The Index is the Prime Rate (U.S.) published in the Money Rates section of The Wall Street Journal.  The APRs will be adjusted each Billing 
Cycle by adding a Margin to the Index.  Any change in the APRs will take effect on the first day of the Billing Cycle in which a change to the 
Index occurs.  When a range of rates has been published on the day we calculate the APR, the highest of the rates will be used.  Please see the 
Interest Rate and Fee Schedule for more information. 

C.  Introductory or Promotional APR. We may offer you an introductory or promotional APR to encourage specific Credit Card Account 
transactions, such as (for example) Balance Transfers.  Any introductory or promotional APR offer will be subject to the terms of the offer 
and this Agreement.  Upon the expiration of an introductory or promotional APR, the rate will return to the rate for balance transfers and/or 
purchases stated in this Agreement. If you are 60 days past due, you may lose your right to the offer and the rate will return to the rate for 
balance transfers and/or purchases as stated in this Agreement which will be applied to all existing and new balances on the Credit Card 
Account.   

D. How to Avoid Paying Interest on Purchases. We will not impose an interest charge on new purchases or on any new fees that are added 
to your Credit Card Account balance, if you have paid the previous balance shown on the Statement for the current Billing Cycle in full by 
the payment due date shown on the previous Statement and we receive payment in full of the new balance shown on the Statement by the cut-
off time listed in Section 5.H.2 on (or before) the payment due date. The payment due date will be at least 25 days after the closing date of 
your Billing Cycle.  Interest charges as a result of the loss of a grace period will not be charged if those interest charges are based on any 
portion of a balance subject to the grace period that was repaid prior to the expiration of the grace period. 

E.  Paying Interest on Cash Advances and Balance Transfers.  We will impose an interest charge on new cash advances and balance 
transfers as of the date you received the cash advance or make a balance transfer (sometimes referred to as the transaction date or activity 
date) unless we choose, in our discretion, to accrue interest charges as of a later date. There is no time period in which you may repay a cash 
advance or balance transfer and avoid imposition of an interest charge on the cash advance or balance transfer.  

F. Unpaid Interest Charges and Fees.  Unpaid interest charges from previous billing cycles relating to purchases, cash advances and 
balance transfers, and also all unpaid fees, will be added to your outstanding balance for interest charge calculation purposes at the start of a 
new Billing Cycle until they are paid in full. Once any unpaid interest charge (including any unpaid transaction fee(s)) is included in the 
outstanding balance of the Credit Card Account, it will accrue interest charges at the applicable Daily Periodic Rate until it is repaid in full. 
This means that we charge an interest charge on certain unpaid interest charges. 

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G. Interest Charge Calculation for Purchases, Balance Transfers & Cash Advances Average Daily Balance Method (Including 
Current Transactions).   If you do not pay the previous balance shown on the Statement for the current Billing Cycle in full by the payment 
due date shown on the Statement, then we will charge an interest charge on purchases, balance transfers, and cash advances (including any 
unpaid fees or interest charges) at the applicable Daily Periodic Rate.  We figure a portion of the interest charge on your Credit Card Account 
by applying a Daily Periodic Rate to the average daily balance of your Credit Card Account (including current transactions), multiplied by the 
number of days in the Billing Cycle.  To get the average daily balance, we take the previous balance (including any applicable unpaid interest 
charges and any applicable unpaid fees) at the beginning of the Billing Cycle and on each day of the Billing Cycle we add new transactions 
and any applicable fees, subtract payments and credits and make other appropriate adjustments.  This gives us the daily balance. Unless we 
elect to use a later date, we add new transactions to the daily balance as of the transaction date ("Activity Date") of the new transaction.  We 
consider credit balances as zero balances when we figure the daily balance and average daily balance.  We then add the daily balances 
together and then divide that amount by the number of days in the Billing Cycle.  For interest charge calculation purposes, the Billing Cycle 
begins on the day after the close of the previous Billing Cycle.  We then multiply the average daily balance by the number of days in the 
Billing Cycle.  That product is multiplied by the applicable Daily Periodic Rate.  The resulting number is the interest charge.   

If your purchases are subject to more than one Daily Periodic Rate and corresponding APR (for example, because of purchases made during a 
special promotional APR offer), we will separately calculate the balance subject to each applicable Daily Periodic Rate and corresponding 
APR, and the resulting interest charge, in the same manner as described above, using the Daily Periodic Rate applicable to the appropriate 
purchases and related interest charges and fees.  Outstanding promotional balance transfers that are subject to the same APR in effect for 
purchases may appear on your Statement as purchases, and may be included in the daily balances and average daily balance for purchases. 

H. Minimum Interest Charge. If the total interest charges accrued on the Credit Card Account for a Billing Cycle are greater than zero but 
less than $1.00, the interest charge for that Billing Cycle will be $1.00.  

7. FEES 

You agree to pay the additional fees described below in connection with your Credit Card Account whenever applicable. These fees will be 
added to the balance for purchases made during the Billing Cycle.  

A. Penalty Fee. The amount is listed in the Interest Rate and Fee Schedule. 

Late Payment Fee. The first time we do not receive a required minimum payment as provided in sections 5.H.1 and 5.H.2 when the payment 
is due, we may charge a late fee of the minimum payment due or $25, whichever is less.  If over the next six billing cycles, the minimum 
payment is not received when due, we may charge a late fee of the minimum payment due or $35, whichever is less.  

B. Other Fees. 

1. Annual Fee.  There is an “Annual Fee,” which is disclosed in this Agreement. 

2. Administrative Fees. If you request a copy of a Statement or sales draft, we may charge you “Statement Reprint Fee” or “Sales Draft 
Copy Fee” of up to $7 as applicable for each copy. If you request a copy of a payment check, Convenience Check or balance transfer check, 
we may charge you a “Check Copy Fee” or “Convenience Check Copy Fee” of up to $5 for each copy. If you request a replacement Card on 
an expedited basis (for example, to replace a lost or stolen Card), we may charge you an “Emergency Replacement Card Fee” of up to $25 for 
this service. However, we will not charge you for copies of billing Statements, sales drafts, or other documents that you request for a billing 
error/inquiry you may assert against us under applicable law.  

3. Same Day Telephone Payment Processing Fee.   We encourage you to mail all Credit Card Account payments to us. However, from time 
to time, in our sole discretion, we may make available to you the option of expediting a single payment to the Credit Card Account from a 
designated bank account of yours by telephone, for a payment processing fee. If you speak with a TD Bank customer service representative 
and authorize us to process any such single telephone payment after 5 p.m. Eastern Time and request the payment to be posted to your Credit 
Card Account the same day, you agree that we will deduct the payment amount from your designated bank account, and post a payment 
processing fee to your Credit Card Account.  The amount of the fee will be disclosed at the time you request this optional payment service.  

4. Cash Advance and Balance Transfer Transaction Fees. In addition to the periodic interest charge on cash advances and balance 
transfers, we will also charge a transaction fee on each cash advance and balance transfer you obtain (including promotional balance 
transfers). Transaction fees are listed in the Interest Rate and Fee Schedule. We add the transaction fee to the balance for the related category 
as of the transaction date of the cash advance or balance transfer. For example, a cash advance transaction fee would be added to your cash 
advance balance.  

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If you use an ATM that is not owned by TD Bank to obtain a cash advance, you may also be charged a separate transaction fee by that ATM 
owner/operator. 

5. Stop Payment Fee. If you ask us to stop payment on a balance transfer or Convenience Check, we may charge you a “Stop Payment Fee” 
of $39. 

6. Foreign Transactions. 

a.  General. If you use your Credit Card Account to make a foreign transaction (such as a purchase or cash advance in a foreign currency), 
the transaction will be converted to U.S. Dollars and posted to your Credit Card Account based on a rate selected by VISA U.S.A. Inc. (or 
any of its affiliates) from the range of rates available in wholesale currency markets for the applicable central processing date (which may 
vary from the rate VISA U.S.A Inc. itself receives), or the government-mandated rate in effect for the applicable central processing date.  The 
currency conversion rate used by VISA U.S.A. Inc. (or any of its affiliates) on the currency conversion date may differ from the exchange 
rate in effect on the day you used your Credit Card Account to make the foreign transaction, or on the day the foreign transaction is posted to 
your Credit Card Account. 

b.  Foreign Transaction Fee. We impose a “Foreign Transaction Fee” equal to 3 percent (3.0%) of the U.S. Dollar amount of a foreign 
transaction. The Foreign Transaction Fee is an interest charge. In addition, all other applicable transaction fees and interest charges apply to 
the U.S. Dollar amount of a foreign transaction (including, for example, cash advance transaction fees, if the foreign transaction was a cash 
advance, and including any applicable interest charges due to the application of the Daily Periodic Rate to the Credit Card Account balance 
that includes the foreign transaction). The Foreign Transaction Fee may cause the effective APR for the foreign transaction on the Statement 
on which the Foreign Transaction Fee first appeared to exceed the APR that corresponds to the Daily Periodic Rate applicable to that foreign 
transaction.   

8.  DEFAULT 

A. Events of Default.  You will be in default, and we will not be obligated to honor any attempted use of your Credit Card Account (even if 
we do not give you advance notice) if any of the following events occurs: 

•  We do not receive the required minimum payment as provided in sections 5.H.1 and 5.H.2, or we do not receive any other payment 

required by this Agreement when such payment is due. 

•  A levy is placed on the Collateral Account. 
•  You are unwilling or unable to pay what you owe under this Agreement, for any reason.   
•  You die, become insolvent, file for bankruptcy, or otherwise become the subject of a bankruptcy petition or filing. 
•  You give us false or misleading information at any time in connection with your Credit Card Account. 
•  You send us more than one check or similar instrument that is returned to us unpaid, or any automatic, electronic or other payment 
on your Credit Card Account cannot be processed or is returned unpaid, for any reason, within the last six (6) Billing Cycles. 

•  You breach or otherwise fail to comply with any term or condition of this Agreement. 
•  We have reason to suspect that you may have engaged or participated in any unusual, suspicious, fraudulent, or illegal activity on 

your Credit Card Account. 

•  You do not give us any updating information about your finances, employment, or any other information we may reasonably 

request, promptly after our request. 

B. Our Rights After Default. 

In the event of default, we may freeze your Credit Card Account or terminate your Credit Card Account as provided in section 9 below, 
accelerate the unpaid balance and commence collection activity, including the application of funds in your Collateral Account to your 
outstanding Credit Card Account balance pursuant to this Agreement. 

1. Collection Costs. We may refer any past due amounts you owe under this Agreement to a collection agency or lawyer for collection, in 
which case you agree to pay us our reasonable costs of collection, including without limitation collection agency fees, court costs and 
attorneys’ fees actually incurred by us, to the fullest extent permitted by applicable law. 

2. Delay in Enforcement. We may delay or waive enforcing any of our rights or remedies under this Agreement or under applicable law 
without losing any of those rights or remedies. Even if we do not enforce our rights or remedies at any one time, we may enforce them at a 
later time.  

9. CLOSING YOUR CREDIT CARD ACCOUNT 

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A. We May Close Your Credit Card Account. Except where prohibited by applicable law and without prior notice, we may close your 
Credit Card Account to new transactions at any time, for any reason. If we close your Credit Card Account to new transactions, you agree to 
pay us all amounts you owe under this Agreement, under the terms and conditions of this Agreement, and you agree that we are not liable to 
you for any consequences resulting from closing your Credit Card Account. 

If you are in default, we may close your Credit Card Account and require you to pay us immediately the entire amount you owe under this 
Agreement, in full.  We may also increase the dollar amount of your minimum payment, instead of requiring immediate payment in full, 
without losing our right to require immediate payment in full.   

If we close your Credit Card Account to new transactions, you must return all Cards, unused Convenience Checks and other Credit Card 
Account access devices to us (cut, torn, or otherwise deliberately damaged to prevent unauthorized use by third parties). 

B. You May Ask Us to Close Your Credit Card Account. You may ask us to close your Credit Card Account to new transactions at any 
time, by notifying Customer Service in writing at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, and 
returning all Cards, unused Convenience Checks and other Credit Card Account access devices to us (cut, torn, or otherwise deliberately 
damaged to prevent unauthorized use by third parties) or contacting us at 1-888-561-8861.  If you request to close your Credit Card Account 
by phone, we reserve the right to require a written notice from you. You also agree to stop using the Credit Card Account immediately after 
you notify us that you want us to close your Credit Card Account to new transactions.  

10. CHANGING THIS AGREEMENT 

We may change this Agreement, including (for example) changing the addresses and telephone numbers you should use to contact us, 
changing fees, adding new fees, changing the Daily Periodic Rates and corresponding APRs that apply to your Credit Card Account, or 
increasing your required minimum payment.  We may periodically review your Credit Card Account and credit and change the APRs on your 
Credit Card Account.  We may also change this Agreement based on economic or market conditions, our business strategies, or for any other 
reason (including reasons unrelated to you or your Credit Card Account).  However, we must review these changes on a periodic basis to 
determine if the conditions still exist. Any changes we make to this Agreement will apply to new transactions only unless we are permitted to 
apply them to then-existing balances.  We will notify you of changes to this Agreement as required by applicable law.  We will mail the 
notice to the address we have on file for your Credit Card Account. 

11. INFORMATION SHARING 

A. Credit Information. We may review your credit history by obtaining information from consumer reporting agencies and others.  We may 
report information about you and your Credit Card Account to credit bureaus.  Late payments, missed payments, or other defaults on your 
Credit Card Account may be reflected in your credit report.  

B. How to Dispute Reports Regarding Your Credit Card Account. 

If you think the information we furnished to consumer reporting agencies on your Credit Card Account is not accurate please write to us at:  

P.O Box 84037 
Columbus, GA 31908-4037  

In order for us to investigate your dispute, you will need to provide us with the following information:    

•  Your name, address, and telephone number;  
•  The Credit Card Account number(s) for the Credit Card Account(s) you are disputing;  
•  A description of the specific information you are disputing and an explanation of the basis for your dispute; and  
•  Copies of documents that support your dispute.  These could include (but are not limited to):  a copy of your consumer report 

showing the information that you are disputing, your Statements, a court order, or (if applicable) a copy of a police report or fraud or 
identity theft affidavit. 

If you fail to provide us with the information listed above we will be unable to investigate your dispute.  We will notify you of the results of 
our investigation within 30 days of receiving your dispute.  A delay may be experienced if the dispute is not mailed to the address above. We 
may take up to 45 days to investigate your dispute if, after providing us with your initial notice of dispute, you provide us with additional 
information that is relevant to our investigation.  If our investigation finds that the information you are disputing was inaccurate, we will 
notify the consumer reporting agency of our determination and provide the consumer reporting agency with the information necessary to 
correct the inaccuracy.  

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We will have no duty to investigate disputes that are substantially similar to a prior dispute that we have responded to, or that relate to your 
identifying information (such as your name, date of birth, Social Security number, telephone number or address), inquiries appearing on your 
consumer report, information from public records (such as judgments, liens, or bankruptcies, unless these matters relate to your Credit Card 
Account(s) with us), information related to fraud or active duty alerts on your report, or information provided to the consumer reporting 
agency from someone other than us.  We will also have no duty to investigate your dispute if we reasonably believe it was submitted or 
prepared by (or if you submitted it on a form provided by) a credit repair organization.  If we determine that we will not investigate your 
dispute for one of these (or some other) reasons we will notify you of that determination within 5 Business Days.  

C. Telephone Monitoring and Recording. You consent to and authorize TD Bank and any of its affiliates, agents, and marketing associates, 
to monitor and/or record any of your telephone conversations with any of our or their representatives for quality control, training, and other 
lawful purposes. 

D. Telephone Numbers. If you give a cell phone number directly to us, you consent to and agree to accept collection calls to your cell phone 
from us and our agents. For any telephone or cell phone calls placed to you by us or our agents, you consent and agree that those calls may be 
automatically dialed and/or use recorded messages. 

E. Credit Card Account Benefits. We may offer you certain third-party benefits and services with your Credit Card Account, as outlined in 
benefits brochures or other documents and internet web sites. For example, certain eligible purchases charged with a VISA® Platinum Card 
may be eligible for certain benefits or services through VISA U.S.A. Inc. (or its affiliates). Certain eligible purchases charged with your Card 
also may be eligible for Easy Rewards points benefits. Any benefits or services we make available through third parties (including without 
limitation VISA U.S.A. Inc.) are not a part of this Agreement, but are subject to the terms and restrictions outlined in the applicable benefits 
brochures or other documents or internet web sites provided or made available to you from time to time. You agree that we may give 
information about you and your Credit Card Account to any third party reasonably needing the information to provide you with such benefits 
or services. You also agree that we or any third party providing any Credit Card Account-related benefits or services may change, add, or 
delete benefits or services at any time without notice.  

12. MISCELLANEOUS 

A. Certain Waivers. You waive the right of “presentment” and “notice of dishonor.”  “Presentment” means the right to require us to demand 
payment of amounts due under this Agreement. “Notice of dishonor” means the right to require us to give notice to other persons that 
amounts due under this Agreement have not been paid. You also waive demand for payment, protest, notice of protest, and all other notices 
and demands, to the fullest extent permitted by applicable law. 

B. Assignment. We may assign your Credit Card Account and our rights under this Agreement to our affiliates or to some other financial 
institution or company without advance notice to you. That entity will take our place in this Agreement if we do this. 

You and your estate or personal representative are bound by the terms of this Agreement, as this Agreement may be amended from time to 
time. You may not assign or transfer the Credit Card Account or any of your responsibilities under this Agreement to any other person 
without first obtaining our written consent. We are not required to give our consent. 

D. Evidence. You agree that we may use a copy, microfilm, microfiche or digital image of any Statement or other document to prove what 
you owe us, and that the copy, microfilm, microfiche or digital image will have the same validity as the original.  

E. Captions and Interpretation. The captions used in this Agreement are for convenience only. They do not affect the meaning of the 
paragraphs in this Agreement. In this Agreement, use of the singular includes the plural and use of the plural includes the singular. If any 
term of this Agreement is held invalid or unenforceable by a court or administrative agency having proper jurisdiction, the remainder of this 
Agreement shall remain in effect. 

13. YOUR BILLING RIGHTS; KEEP THIS DOCUMENT FOR FUTURE USE 

This notice contains important information about your rights and our responsibilities under the Federal Credit Billing Act. 

What To Do If You Find a Mistake on Your Statement 
If you think there is an error on your Statement, write to us at: 

TD Bank 

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P.O Box 84037 
Columbus, GA 31908-4037 

In your letter, give us the following information: 

•  Credit Card Account Information:  Your name and Credit Card Account number. 
•  Dollar Amount:  The dollar amount of the suspected error. 
•  Description of the problem:  If you think there is an error on your Statement, describe what you believe is wrong and why you believe it 

is a mistake.. 

You must contact us: 

•  Within 60 days after the error appeared on your Statement. 
•  At least 3 Business Days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing.  You may call us, but if you do we are not required to investigate any potential errors 
and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1.  Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we  received  your  letter.    We  will  also  tell  you  if  we  have  already 

corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain why we believe the Statement was correct.   

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your Statement, and we may continue to charge you interest on that amount. 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.   
•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• 
• 

If we made a mistake:  You will not have to pay the amount in question or any interest or other fees related to that amount. 
If we do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest and fees.  We will 
send you a Statement of the amount you owe and the date payment is due.  We may then report you as delinquent if you do not pay the 
amount we think you owe. 

If you receive our explanation but still believe your Statement is wrong, you must write to us within 10 days telling us that you still refuse to 
pay.  If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.  We must tell you the name of 
anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  

If we don’t follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your Statement was 
correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with a credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.   

To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must 
have been more than $50.00.  (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if 
we own the company that sold you the goods or services.) 

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2.  You must have used your credit card for the purchase.  Purchases made with cash advances from an ATM or with a check that accesses 
your Credit Card Account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

TD Bank 
P.O Box 84037 
Columbus, GA 31908-4037 

While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will tell you our 
decision.  At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.   

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INTEREST RATE AND FEE SCHEDULE  

Interest Rates and Interest Charges  
Annual Percentage Rate (APR) 
for Purchases:  

23.24%  

APR for Balance Transfers:  

APR for Cash Advances:  

 Paying Interest:  

This APR will vary with the market based on the Prime Rate. 
23.24%.  

This APR will vary with the market based on the Prime Rate. 
23.24% 

This APR will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
interest on purchases if you pay your entire balance by the due date each month. Interest 
Charges will begin to accrue on Balance Transfers and Cash Advances as of the transaction 
date or Activity Date. 

Minimum INTEREST CHARGE:  

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from the 
Federal Reserve Board:  
Fees  

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.  

Annual Fee:  

$29  

Transaction Fees:  

• Balance Transfer 

• Cash Advance  

• Foreign Transactions 

Penalty Fee:  

   Late Payment 

Either $10 or 4%, whichever is greater 

Either $10 or 5%, whichever is greater 

3% of each transaction in U.S. dollars 

  Up to $35  

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including Current Transactions).” See Section 
6.G. for more information. 

Margins:   

 For Purchases, 19.99% will be added to the Index 
 For Balance Transfers, 19.99%  will be added to the Index 
 For Cash Advances, 19.99% will be added to the Index 

Billing Rights:  Information about your rights to dispute transactions and how to exercise those rights is provided in Section 13. 

Index:     

Prime Rate as of July 1, 2011  is 3.25%  

The corresponding DAILY PERIODIC RATES as of  July 1, 2011  are:  
                    For Purchases, 0.063671% 

For Balance Transfers, 0.063671% 
For Cash Advances, 0.063671% 

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