1 

Personal Credit Card Agreement 
TD Easy Rewards Secured or TD Cash Rewards Secured  

1.  INTRODUCTION. Your TD Bank VISA
Agreement, including the Interest Rate and Fee Schedule we send with your credit card(s) (“Card”) when we open a Credit Card 
Account for you. This Personal Credit Card Agreement, the Interest Rate and Fee Schedule and the application or solicitation you 
submitted for this Credit Card Account are all a part of and collectively referred to as the “Agreement.” Please read and keep this 
Agreement for your records.  

 Card account (“Credit Card Account”) is subject to this Personal Credit Card 

®∗

You, your, and yours mean each 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.    

A. Credit Card Account Use and Acceptance. By accepting your 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. You 
acknowledge that you received a copy of this Agreement. Your signature on your application or solicitation for this Credit Card 
Account, including without limitation any electronic signature or oral acceptance of a telephone offer, your Card or any Credit 
Card Account-related document represents your signature on this Agreement. 

You agree that you will not use your Card or Credit Card Account for any unlawful or illegal purposes. Such transactions 
include, but are not limited to, online gambling transactions, the purchase of lottery tickets or casino chips or off-track 
betting and wagering. We reserve the right to block all such transactions. If any such charge or transaction is approved 
and processed, you will still be liable for the charge.  

B. Promise to Pay. You promise to pay us for all purchases, balance transfers and cash advances resulting from the use of your 
Card or Credit Card Account, plus interest charges and all other fees and charges owed under this Agreement. 

2. 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. To 
the extent any court determines that this Agreement is subject to Maryland law concerning credit, you and TD Bank agree 
that your Credit Card 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. 

3. 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”) in your name to secure repayment of your Credit Card Account. 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 3.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 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. 

∗ VISA is a registered trademark and service mark of VISA International Service Association, and is used by TD Bank, N.A. pursuant to a 
license from VISA U.S.A. Inc. 

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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 us that you incur in connection with your Credit Card Account.   

3. Pledge and Grant of Security Interest.  Your obligations to us under the Agreement and this Security Agreement and any 
expenses that we incur 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 us 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 us all of your right, title and interest in and to any and all Funds. You agree to take any actions we 
request to perfect or protect the first lien position of our security interest in the Funds.     

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

5. Our Actions.  We will maintain records to account for the Funds. We 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 will 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 us 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 will be in addition to all other rights we have under the law or the Agreement. 

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

8. Applicable Law; Assignment.  This Security Agreement and our security interest and rights as pledged hereunder will be 
governed by the laws of the State of Delaware. We may, in our sole discretion, assign our 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. 

C. 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 the 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. USING YOUR CREDIT CARD ACCOUNT 

A. Credit Limit.  

1. General. Your initial credit limit is shown in the materials we send with your Card when we open a Credit Card Account for 
you. Your current credit limit 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.   We may permit you to go over your credit limit, but we are 
not required to do so. If your Account goes over your credit limit, you agree to pay the overlimit amount when it is billed or 
sooner upon our request. 

2. Limit for 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 your Credit Card Account.  

3. Changes to Credit Limit. In our discretion, at any time, we may change any credit limit that applies to your Credit Card 
Account. We will notify you if we change any credit limit. 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. 

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1. Purchases. You may use your Card to pay for the purchase or lease of goods or services wherever your Card is honored. If you 
use your 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.  

2. Cash Advances. You may use your Card to obtain cash advances wherever your Card is honored for cash advances. For 
example, your Card may be used to obtain cash advances at ATMs displaying the VISA logo and from participating financial 
institutions honoring VISA credit cards. You may be required to sign a special form and/or provide your personal identification 
number (PIN). Please 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 Credit Card Account number. 
Please do not write your PIN on your Card and do not keep your PIN with or near your Card or any Access Device.  See the 
Interest Rates and Fee Schedule on the card mailer for Cash Advance fee details.  

3. Balance Transfers. We may allow you to transfer balances from other credit card accounts with third parties (but not us or our 
affiliates) to your Credit Card Account. We may limit the number and types of credit card accounts from which we will allow you 
to transfer balances and the times, amounts, manner and circumstances in which balance transfers may be requested. The 
minimum balance transfer amount is $250 (plus the Balance Transfer Transaction Fee).  See the Interest Rates and Fee Schedule 
on the card mailer for Balance Transfer fee details. 

4. Access Devices. We may from time to time issue additional Credit Card Account access devices (“Access Devices”). Access 
Devices may include, for example, special checks you may use to obtain cash advances or oral offers or written forms by which 
you may request balance transfers. Each Access Device must be in the form we issue and must be used according to the 
instructions we give you. We may refuse to process Access Devices received after any applicable expiration date. We will not 
return paid Access Devices to you. Access Devices may not be used to pay any amount owed to us or our affiliates. We will not 
certify any Access Device. You may not post-date any Access Device. We may refuse to process a post-dated Access Device or 
process it before the date on the Access Device.   

5. Foreign Transactions. If you use your Credit Card Account to make a purchase or cash advance in a foreign currency, the 
transaction will 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 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 made the transaction or on the day the transaction is posted to your Credit Card Account. 

C. Stop Payment. If you want us to stop payment on an Access Device, 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 
request in writing within 14 days. A written stop payment request will remain in effect for six months unless renewed in writing. 
Call or write us with your stop payment request as soon as possible after you have submitted the Access Device and give us 
information about the Access Device to help us identify it. 

If you ask us to stop payment, we will make reasonable efforts not to pay that Access Device. However, if we pay that Access 
Device despite these efforts, we will not be liable to you for paying that Access Device. We may not be able to stop payment if 
you call or write us after we have started processing the Access Device. A Stop Payment Fee may apply. 

D. Refusal to Honor Your Card or Access Device. A merchant, business or financial institution may refuse to honor your Card 
or Access Device. You agree that you have no legal claims or damages against us or anyone else if your use of your Credit Card 
Account is denied by any merchant, business or financial institution. 

E. Statements. 

1. General. At the end of each monthly billing cycle (“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. The Statement will show any 
interest charges you owe, the minimum payment due, the payment due date, your current credit limit, an itemized list of fees, 
charges, payments and credits posted to your 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. 

2. 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.  You may also update 
your address online via www.tdcardservices.com. 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. 

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F. Credit Balance. We will make a good faith effort to return to you any credit balance that has been on your Credit Card 
Account longer than six consecutive Billing Cycles (or, in our discretion, for a shorter time period). You may also request a 
refund of a credit balance on your Credit Card 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 
Credit Card Account by applying the credit balance towards new fees and charges posted to your Credit Card Account. We do not 
pay any interest on credit balances.  

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

1. Minimum Payment. If you have an outstanding balance, we must receive your minimum payment by no later than 5 p.m. 
Eastern Time on the payment due date. The minimum payment will be the greater of: 

(i) 

$35, or  

(ii) 

One percent (1%) of the New Balance plus: 

(a) 

(b) 

(c) 

The periodic interest charges for the Billing Cycle; plus 

The full amount of any transaction fees (such as Cash Advance, Balance Transfer and Foreign 
Transaction Fees) owed for the Billing Cycle; plus 

The full amount of any Annual Membership Fee, Late Payment Fee or other applicable fees 
owed.  

In addition, any past due minimum payment amounts will be added to your current minimum payment due. 

If your New Balance is less than $35, 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. Making Payments. Payments may be made by mail, online, at a TD Bank store or over the phone. All payments must be in 
U.S. dollars and, if applicable, drawn on a U.S. bank. Business Day is defined as Monday through Friday, excluding federal 
holidays. 

a. By Mail. Send a check or money order to the payment address shown on your Statement with the payment stub from 
your Statement. Do not mail any cash payments. A properly addressed payment with the payment stub will be credited to 
your Credit Card Account as of the date received if we receive it by 5 p.m. Eastern Time on a Business Day. A properly 
addressed payment with the payment stub received after 5 p.m. Eastern Time or on a day that is not a Business Day will 
be credited to your Credit Card Account as of the next Business Day. You agree to not give us any post-dated check as 
payment on your 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.  

b. Online. You may pay online by logging in to our website. A payment made online will be credited to your Credit Card 
Account as of the date received if we receive it by 5 p.m. Eastern Time on a Business Day. Online payments received 
after 5 p.m. Eastern Time or on a day that is not a Business Day will be credited to your Credit Card Account as of the 
next Business Day.   

c. At TD Bank Stores. You may make a payment in person to one of our employees at a TD Bank store. A payment 
made at a TD Bank store will be credited to your Credit Card Account as of the date received if we receive it by the close 
of business for that location.  

d. By Phone. You may pay by phone by calling 1-888-561-8861. A payment made by phone will be credited to your 
Credit Card Account as of the date received if we receive it by 5 p.m. Eastern Time on a Business Day. Phone payments 
received after 5 p.m. Eastern Time or on a day that is not a Business Day will be credited to your Credit Card Account as 
of the next Business Day.   

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e. Delay in Crediting and Available Credit. We may reject or delay crediting payments that do not follow the 
instructions above. For example, there may be a delay of up to five days in crediting a payment by mail 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. Your available credit limit(s) may not reflect the payment for up to 15 days after we have credited a 
payment to your Credit Card Account.   

3. Application of Payments.  

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

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. 

(iii) 

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) 

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

(ii) 

4. Payments Marked “Paid in Full”.  Any check, money order or other instrument sent in payment on your Credit Card Account 
marked with “paid in full” or similar notation to settle a debt on your Credit Card Account that is reasonably in dispute (and any 
accompanying letter or other instructions) must be sent to: TD Bank, PO Box 16027, Lewiston, ME  04243-9513, Attention: 
Customer Service. If such payment is sent 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 your Credit Card Account does not mean that we 
have agreed to any special notations or instructions on or with the payment. 

5. Automatic Payments. We may allow you to repay amounts owed under this Agreement through automatic payments from a 
savings or checking account. We may terminate our permission to make automatic payments at any time. If we 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 still must pay the 
minimum payment and a Late Payment Fee may apply. 

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 three Business Days before the 
automatic payment is scheduled to occur.  

6. 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. 

H. Additional Cards. We may limit the total number of Cards and other Access Devices issued. 

I. Lost or Stolen Cards, Credit Card Account Numbers or Access Devices. If any Card, Credit Card Account number or 
Access Device 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. You agree that we may close your Credit Card Account to new transactions, change your Credit Card 
Account number and issue you a new Card(s) and new Access Devices with a different Credit Card Account number if we have 
been notified of the possible loss, theft or unauthorized use. If we do this, you must notify anyone you have authorized to submit 
and post charges to your Credit Card Account of your new Credit Card Account number. Do not use your Card, Credit Card 
Account number or Access Device after you notify us, even if your Card or other 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 

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from the unauthorized Card use within five 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 your Credit Card Account that occurs after you notify us of the loss, theft or possible unauthorized use of your Card, 
Credit Card Account number or 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.  

5. INTEREST CHARGES  

A. Annual Percentage Rates. Annual Percentage Rate or APR means the annual rate of interest charged on Credit Card Account 
balances. The APRs and corresponding Daily Periodic Rates for your Credit Card Account are listed in the Interest Rate and Fee 
Schedule. To get the Daily Periodic Rate, we divide the APR by 365 and round at the seventh place after the decimal point. We 
may charge different Daily Periodic Rates and APRs on different Credit Card Account transactions (such as purchases, cash 
advances and balance transfers) or during special promotional periods.  

B. Variable Rates. Your APRs are subject to change each Billing Cycle and are determined each Billing Cycle by adding the 
Margins listed in the Interest Rate and Fee Schedule to the Index. The Index is the Prime Rate (U.S.) published in the Money 
Rates section of The Wall Street Journal. Your APRs may increase if the Index increases. If any APR increases, the amount of 
interest charged and your minimum payment may increase. 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.  If this Index is no longer available we will select a new one. 

C. Introductory or Promotional APR. We may offer you an introductory or promotional APR for specific Credit Card Account 
transactions, such as 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 the specified type 
of transaction(s) as stated in this Agreement. If you are 60 days past due, you may lose your right to the offer and the rate may 
return to the rate for the specified type of transaction(s) as stated in this Agreement, which rate may be applied to all existing and 
new balances on your Credit Card Account.   

D. When Interest Charges Begin. Your due date is at least 25 days after the close of each Billing Cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each 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. We will begin charging interest on cash advances and balance transfers on 
the transaction date.  There is no time period in which you may repay a cash advance or balance transfer and avoid imposition of 
an interest charge. 

E. Balance Calculation Method (Average Daily Balance Method (Including Current Transactions)). In any Billing Cycle in 
which you owe interest, we will charge interest on your balances of purchases, balance transfers and cash advances at the 
applicable Daily Periodic Rates. We figure the interest charge on your Credit Card Account by applying the periodic rate to the 
“average daily balance” of your Credit Card Account. To get the “average daily balance”, we take the beginning balance of your 
Credit Card Account each day, add any new transactions and fees and subtract any payments or credits. This gives us the daily 
balance. Then, we add up all the daily balances for the Billing Cycle and divide the total by the number of days in the Billing 
Cycle. This gives us the “average daily balance”. We compound (charge interest on) unpaid interest charges and unpaid fees. 

F. Minimum Interest Charge. If the total interest charges on your Credit Card Account for a Billing Cycle are greater than zero 
but less than $1, the interest charge for that Billing Cycle will be $1.  

6. FEES. You agree to pay the fees described below whenever applicable.  

A. Annual Membership Fee. If your Credit Card Account has an Annual Membership Fee, it will be billed each year, whether or 
not you use your Credit Card Account. The amount is listed in the Interest Rate and Fee Schedule. Your payment of the Annual 
Membership Fee does not affect our right to close your Credit Card Account or limit your right to make transactions on your 
Credit Card Account.  

B. Cash Advance and Balance Transfer Transaction Fees.  

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1. Cash Advance and Balance Transfer Transaction Fees. We will charge a transaction fee on each cash advance and balance 
transfer you obtain in the amounts shown in the Interest Rate and Fee Schedule.   

2. Foreign Transaction Fee.  If your Credit Card Account has a Foreign Transaction Fee, we may impose a fee equal to a certain 
percentage of the U.S. Dollar amount of a foreign transaction as shown in the Interest Rate and Fee Schedule.   

C. Late Payment Fee. The first time we do not receive a required minimum payment when due, we may charge a Late Payment 
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 Payment Fee of the minimum payment due or $35, whichever is less.  

D. Other Fees. We may also chargethe following fees, subject to any restrictions of applicable law. 

1. 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 each 
copy of a payment check or written Access Device you request. However, we will not charge you for copies of documents that 
you request in connection with a billing error/inquiry you may assert against us under applicable law.  

2. Same Day Telephone Payment Processing Fee. From time to time, we may allow you to expedite a single payment to your 
Credit Card Account from a designated bank account of yours by telephone. 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 credit the payment to 
your Credit Card Account the same day, you agree that we may deduct the payment amount from your designated bank account 
and charge a Payment Processing Fee to your Credit Card Account. The amount of the fee will be disclosed at the time of your 
request.  

3. Emergency Replacement Card Fee. 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. 

4. Stop Payment Fee. If you ask us to stop payment on an Access Device, we may charge you a Stop Payment Fee of $39. 

7. DEFAULT 

A. Events of Default.  Subject to restrictions of applicable law, 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 any payment required by this Agreement when such payment is due. 
•  You exceed any credit limit.  
•  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 
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 or any other account or loan you have with us or our affiliates. 

•  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 close your Credit Card Account, require you to pay the unpaid 
balance in full or take any other action permitted by applicable law, including the application of funds in your Collateral Account 
to your outstanding Credit Card Account balance pursuant to this Agreement. 

C. Collection Costs. If we refer any past due amounts you owe under this Agreement to a collection agency or lawyer for 
collection, 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. 

8. CLOSING YOUR CREDIT CARD ACCOUNT 

A. We May Close Your Credit Card Account. Except where prohibited by applicable law, we may close your Credit Card 
Account to new transactions at any time, for any reason and without prior notice 

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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, or contacting us at 1-888-561-8861. If you request to close your Credit Card Account by phone, we may 
require a written notice from you.  

C. After Your Credit Card Account is Closed. After your Credit Card Account is closed, you still must pay us any unpaid 
amounts under this Agreement. We will not be liable to you for any consequences resulting from closing your Credit Card 
Account. You agree to cut, tear or otherwise deliberately damage all Cards and unused Access Devices in your possession or 
control to prevent unauthorized use by third parties and, upon our request, return such Cards or Access Devices to us at P.O. Box 
84037, Columbus, GA 31908-4037, by first class mail, postage prepaid. 

9. 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 or increasing your required minimum payment. We may 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). Any changes we make to this Agreement may apply to new transactions and/or then-existing balances as described in 
any notice we are required to provide to you. We will notify you of changes to this Agreement as required by applicable law. We 
will mail any required written notice to the address we have on file for your Credit Card Account. 

10. 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 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. With your letter, please provide us with: 

•  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 may 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.  

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 five Business Days. 

C. Telephone Monitoring and Recording. You consent to and authorize us and any of our 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. 

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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, subject to any restrictions of applicable law. 

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.  

11. 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 may not assign or transfer your Credit Card Account or any of your responsibilities under this Agreement to any other 
person. 

C. 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.  

D. 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.  

E. Severability. If any part of this Agreement is held to be invalid, the rest will remain in effect. 

F. Delay in Enforcement/No Waiver. 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.  

G. Entire Agreement. The Agreement is the entire agreement between you and us relating to your Credit Card Account. The 
Agreement replaces any other agreement relating to your Credit Card Account that you and we made earlier or at the same time. 
In the event of a conflict between this Personal Credit Card Agreement and any other document (including the other documents 
that are collectively called the Agreement), this Personal Credit Card Agreement will control unless otherwise expressly provided 
in the other document. 

Your Billing Rights: Keep This Document For Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find a Mistake on Your Statement 

If you think there is an error on your bill, write to us at: 
TD Bank 
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 problem:   If  you think there is an error on  your bill, describe  what  you  believe is  wrong and  why  you 

believe it is a mistake. 

You must contact us: 
•  Within 60 days after the error appeared on your bill. 

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•  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  to  you  why  we  believe  the  bill  is 

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

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your bill, 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: 
• 
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  we  made  a  mistake:    You  will  not  have  to  pay  the  amount  in  question  or  any  interest  or  other  fees  related  to  that 

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

If we 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 bill 

is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with 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.) 

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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      The Interest Rate and Fee Schedule is incorporated into and made a part of your Personal Credit Card Agreement. 

                           Please read and keep this Schedule with your Agreement for your records. 

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 
Consumer Financial Protection 
Bureau:  
Fees  

Annual Fee:  

Transaction Fees:  

• Balance Transfer 

• Cash Advance  

• Foreign Transactions 

Penalty Fee:  

   Late Payment 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.  

$29  

Either $10.00 or 4% of the amount of each transfer, whichever is greater 

Either $10.00 or 5% of the amount of each cash advance, 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 your account agreement for more details. 

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

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 

Index:     

Prime Rate as of  March 1, 2013 is 3.25%  

The corresponding DAILY PERIODIC RATES as of  March 1, 2013 are:  
                    For Purchases, 0.0636712% 

For Balance Transfers, 0.0636712% 
For Cash Advances, 0.0636712% 

F03-M805-3-0313