1 

TD Ameritrade Client Rewards Personal Credit Card Agreement 

1.  INTRODUCTION.  Your  TD Ameritrade  Client  Rewards  VISA®  Card  account  (“Account”)  is  subject  to  this  Personal  Credit  Card 
Agreement, including the Interest Rate and Fee Schedule we send with your credit card(s) (“Card”) when we open an Account for you. 
This Personal  Credit  Card Agreement, the  Interest  Rate  and  Fee Schedule  and  the  application  or  solicitation  you  submitted  for this 
Account are all a part of and collectively referred to as the “Agreement.” Please read and keep this Agreement for your records.  

You,  your  and  yours  mean  each  person  who  applied  for  the  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. Authorized User means any other person to whom you give permission to use your Account.   

A. Account Use and Acceptance. By accepting your 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. You acknowledge that you received a copy of this Agreement. 
Your  signature  on  your  application  or  solicitation  for  this  Account,  including  without  limitation  any  electronic  signature  or  oral 
acceptance of a telephone offer, your Card or any Account-related document represents your signature on this Agreement. 

You agree that you and each Authorized User will not use your Card or Account for any fraudulent or illegal purposes. Such 
transactions include, but are not limited to, illegal gambling transactions. 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 Account, plus interest charges and all other fees and charges owed under this Agreement (including without limitation all  purchases 
and cash advances made by an Authorized User). 

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 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.  USING YOUR ACCOUNT 

A. Credit Limit.  

1. General. Your initial credit limit is shown in the materials we send with your Card when we open an Account for you. Your current 
credit limit will be shown on each Statement. You also may telephone Customer Service 1-855-489-5680 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 Account.  

3. Changes to Credit Limit. In our discretion, at any time, we may change any credit limit that applies to your 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 1-855-489-5680. We do not 
have to agree to any such request.   

B. Types of Transactions. 

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 or Account to obtain cash advances wherever they are honored for cash advances.  

a. Cash Advances obtained from a financial institution, an automated teller machine, or any other party that agrees to honor 
your Card or Account for cash advance purposes, and all convenience checks posted to your account are considered 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.  Transactions  to  obtain  the  following  goods  and  services  will 
also be treated as a Cash Advance: travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, debt 
repayments, lottery tickets, casino gaming chips, race track wagers, legal online wagers, or similar betting transactions, and 
any other similar cash-like transactions. 

 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. 

  F03-T444-5-1219 

 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
                                                 
 
2 

b.  See  the  Interest  Rate  and  Fee  Schedule  of  this  Agreement  for  Cash  Advance  fee  details.  The  amount  of  the  Cash 
Advance transaction fee will be added to your minimum monthly payment and is due by the payment due date indicated on 
your monthly billing statement. 

c. You may be required to sign a special form and/or provide your personal identification number (PIN) when making a Cash 
Advance. 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 Account number. Do not 
write your PIN on your Card and do not keep your PIN with or near your Card or any Access Device.  

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 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 Rate and Fee Schedule on the card mailer for Balance 
Transfer fee details.  

4.  Access  Devices.  We  may  from  time  to  time  issue  additional 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 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 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  at1-855-489-5680.    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 and each Authorized User agree that you have no legal claims or damages against us or anyone else if your use 
of your 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  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 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 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  1-855-489-5680. We may accept mailing 
address corrections from the United States Postal Service. You may also update your address online via 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 Account (which may be a correction from the United States Postal Service).  

F. Credit Balance. We will make a good faith effort to return to you any credit balance that has been on your 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 
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.  

G. Payments. You may at any time pay off the full unpaid balance or part of the 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) 

(ii) 

$35, or  

One percent (1%) of the New Balance plus: 

(a)  The periodic interest charges for the Billing Cycle; or 

  F03-T444-5-1219 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
3 

(b)  The Minimum Interest Charge owed for the Billing Cycle; plus 

(c)  The  full  amount  of  the  Late  Payment  or  Returned  Payment  Fee  or  other  applicable  fees  owed 

(excluding any Annual Membership, Cash Advance or Balance Transfer Fees). 

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 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 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 Account as of the next Business Day. You agree to not give us any post-dated check as payment on your 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 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 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 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 1-855-489-5680. A payment made by phone will be credited to your 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 Account as of the next Business Day.  From time 
to  time,  we  may  allow  you  to  expedite  a  single  payment  to  your  Account  from  a  designated  bank  account  of  yours  by 
telephone. 

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 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 Account marked with “paid 
in  full”  or  similar  notation  to  settle  a  debt  on  your  Account  that  is  reasonably  in  dispute  (and  any  accompanying  letter  or  other 
instructions) must be sent to: TD Bank, P.O. Box 100290, Columbia, SC 29202-3290, 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 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 or Returned 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 or call 1-

  F03-T444-5-1219 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
4 

855-489-5680. 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 1-855-489-5680. 

H. Additional Cards and Authorized Users. 

1. Additional Cards. You may request additional Cards and permit Authorized Users to have access to your Card or Account. You will 
be  liable  for  all  Account  transactions  made  and  all  fees  incurred  by  those  Authorized  Users  (including  without  limitation  interest 
charges). We may limit the total number of Cards and other Access Devices issued. 

2. Revoking Authorized User’s Authority. To revoke your permission for any person you previously authorized to use your Card or 
Account, notify Customer Service at P.O.  Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, or call us at1-
855-489-5680. We  reserve  the  right  not to  discontinue  any Authorized  User’s  ability  to  use  your Account  until  we  have  received  the 
Authorized User’s Card and any unused Access Devices in the possession or control of the Authorized User (cut, torn, or otherwise 
deliberately  damaged  to  prevent unauthorized  use  by  third  parties). You  agree  to send  the Authorized  User’s  Card  and  any Access 
Devices  to  Customer  Service,  P.O.  Box  84037,  Columbus,  GA  31908-4037  upon  our  request.  You  will  remain  responsible  for  all 
Account transactions by Authorized Users until we discontinue the Authorized User’s authority to use your Account. 

If you ask us to revoke an Authorized User’s ability to use your Account, you agree that we will close the affected card(s) only to new 
transactions.    Your Account  number  will  not  change.  If  we  do  this,  you  must  notify  anyone  you  have  authorized  to  submit  and  post 
charges to your Account using the affected card.   

I. Lost or Stolen Cards, Account Numbers or Access Devices. If any 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 1-855-489-5680. You agree that we 
may close your Account to new transactions, change your Account number(s) and issue you a new Card(s) and new Access Devices 
with different Account number(s) 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 Account  of  your  new Account  number(s).  Do  not  use  your  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  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 Account or Card. We will provisionally credit you for losses 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  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 Account, but not for more than $50. You won’t be 
liable for any unauthorized use of your Account that occurs after you notify us of the loss, theft or possible unauthorized use 
of your 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.  

4.  INTEREST CHARGES  

A. Annual Percentage Rates. Annual Percentage Rate or APR means the annual rate of interest charged on Account balances. The 
APRs  and  corresponding  Daily  Periodic  Rates  for  your 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  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. Your  APR  will  be  based  on  the  Prime  Rate  in  effect  45  days  prior  to  the  end  of  each  billing 
cycle.  When a range of rates has been published on the day we calculate the APR, the highest rate will be used. If this Index is no 
longer available we will select a new one. The maximum rate for any variable APR is the applicable Margin plus the Index. 

C. Introductory or Promotional APR. We may offer you an introductory or promotional APR for specific 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 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 

  F03-T444-5-1219 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
5 

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 Account  by  applying  the  periodic  rate  to  the  “average  daily  balance”  of  your 
Account. To get the “average daily balance”, we take the beginning balance of your 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 Account for a Billing Cycle are greater than zero but less than $1, 
the interest charge for that Billing Cycle will be $1.  

5. FEES. You agree to pay the fees described below whenever applicable.  

A. Annual Membership Fee. If your Account has an Annual Membership Fee, it will be billed each year, whether or not you use your 
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 Account or limit your right to make transactions on your Account.  

B. Cash Advance and Balance Transfer Transaction Fees.  

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 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. Penalty Fees. 

1. 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 $27, 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 $37, whichever is less.  

2. Returned Payment Fee. We may charge you this fee each time your financial institution for any reason rejects a payment you make 
to us, or if the payment cannot be processed.  The first Returned Payment Fee will be equal to $27 or your minimum payment due; 
whichever is less, even if your payment is eventually paid after a second presentment (if we elect to re-present the payment). If over 
the next six Billing Cycles you incur an additional Returned Payment fees (for any of the reasons stated above) the Returned Payment 
Fee may increase to $37, or your minimum payment due, whichever is less.    

D. Other Fees. We may also charge the 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. 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. 

3. Stop Payment Fee. If you ask us to stop payment on an Access Device, we may charge you a Stop Payment Fee of $39. 

6.  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 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. 
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 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 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 or any Authorized User may have engaged or participated in any unusual, suspicious, 

• 

fraudulent or illegal activity on your 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 Account, require you to pay the unpaid balance in full or take 
any other action permitted by applicable law. 

  F03-T444-5-1219 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
6 

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. 

7. CLOSING YOUR ACCOUNT 

A. We May Close Your Account. Except where prohibited by applicable law, we may close your Account to new transactions at any 
time,  for  any  reason  including Account  inactivity  and/or  lack  of  credit  card  usage  for  an  extended  period  of  time,  and  without  prior 
notice.  

B.  You  May  Ask  Us  to  Close  Your  Account.  You  may  ask  us  to  close  your Account  to  new  transactions  at  any  time  by  notifying 
Customer Service in writing at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, or contacting us at 1-
855-489-5680. If you request to close your Account by phone, we may require a written notice from you.  

C. After Your Account is Closed. After your 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 Account. You  agree  to  cut,  tear  or  otherwise  deliberately 
damage all Cards and unused Access Devices in your or any Authorized User’s 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. 

8. 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 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 Account. 

9. 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 Account to credit bureaus. Late payments, missed payments or other defaults on your Account may 
be reflected in your credit report. We may report Account information on Authorized Users. 

B. How to Dispute Reports Regarding Your Account. If you think the information we furnished to consumer reporting agencies on 
your Account  is  not  accurate  please  write  to  us  at:  P.O.  Box  84037,  Columbus,  GA  31908-4037. With  your  letter,  please  provide  us 
with: 

The Account number(s) for the Account(s) you are disputing;  

•  Your name, address and telephone number;  
• 
•  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  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. 

D. Telephone Numbers. 
When  you  give  us  your  mobile  phone  number,  we  have  your  permission  to  contact  you  at  that  number  about  all  of  your  TD  Bank 
accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for 
informational and account service calls, but not for telemarketing or sales calls. In may include contact from companies working on our 
behalf to service your accounts. Message and data rates may apply. You may contact us anytime to change these preferences. 

E. Account Benefits. We may offer you certain third-party benefits and services with your Account, as outlined in benefits brochures 
or  other  documents  and  internet  web  sites.  For  example,  certain  eligible  purchases  charged  with  a  VISA®  Card  may  be  eligible  for 
certain benefits or services through VISA U.S.A. Inc. (or its affiliates). 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 

  F03-T444-5-1219 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
7 

agree  that  we  may  give  information  about  you,  any Authorized  User,  and  your 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 Account-related 
benefits or services may change, add, or delete benefits or services at any time without notice.  

10. 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 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 Account or any of your responsibilities under this Agreement to any other person. 

C. No Security. Your Account is unsecured. We are not taking a security interest in any property in connection with your Account.  

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.  

F. Severability. If any part of this Agreement is held to be invalid, the rest will remain in effect. 

G. 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.  

H. Entire Agreement. The Agreement is the entire agreement between you and us relating to your Account. The Agreement replaces 
any other agreement relating to your 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. 

NJ  RESIDENTS:  Because  certain  provisions  of  this Agreement  are  subject  to  applicable  laws,  they  may  be  void,  unenforceable  or 
inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey. 

Cardholder:    Your  name,  address  and  signature  (including  any  electronic  or  digital  signature)  and  the  date  on  any  application  or 
solicitation or on any sales slip or other evidence of indebtedness on your Account represents your name, address and signature and 
the date on this Agreement. 

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: 
• 
• 
• 
is a mistake. 

Account information:  Your name and 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 

You must contact us: 
•  Within 60 days after the error appeared on your bill. 
• 
wrong. 

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is 

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: 
• 
• 

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. 

  F03-T444-5-1219 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
8 

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.   

Active Duty Service Members and Dependents: The following important notice applies if you are an active duty service member or a 
dependent of one at the time you request an Account. Federal law provides important protections to members of the Armed Forces 
and  their  dependents  relating  to  extensions  of  consumer  credit.  In  general,  the  cost  of  consumer  credit  to  a  member  of  the Armed 
Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the 
credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with 
the  credit  transaction;  any  application  fee  charged  (other than  certain  application fees for specified credit  transactions  or  accounts); 
and any participation fee charged (other than certain participation fees for a credit card account). If you would like more information 
regarding your account, please call us at 1-877-488-3712. 

  F03-T444-5-1219 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
9 

Interest Rate and Fee Schedule 

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 Rates and Interest Charges  

Annual Percentage 
Rate (APR) for 
Purchases:  
APR for Balance 
Transfers:  

APR for Cash 
Advances:  

17.49%, 19.49% or 24.49%, based on your creditworthiness.   
     All APRs will vary with the market based on the Prime Rate.      
14.49%, 19.49% or 24.49%, based on your creditworthiness.  
      All APRs will vary with the market based on the Prime Rate. 
26.74% 
      This APR will vary with the market based on the Prime Rate.  

How to Avoid Paying 
Interest on Purchases:  

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 month.  

Minimum Interest 
Charge:  
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau:  
Fees  
Annual Fee:  
Transaction Fees:  
• Balance Transfers 

If you are charged interest, the charge will be no less than $1.00. 

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. 

None 

Either $5 or 3% of the amount of each transfer, whichever is greater. 

• Cash Advances 

Either $10 or 5% of the amount of each cash advance, whichever is greater. 

• Foreign Transactions 
Penalty Fees:  
• Late Payment  
• Returned Payment 

None 

Up to $37 
Up to $37 

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, 12.74%, 14.74% or 19.74% will be added to the Index 
 For Balance Transfers, 9.74%, 14.74% or 19.74% will be added to the Index 
 For Cash Advances, 21.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of December 11, 2019 are:  

For Purchases, 0.0479178%, 0.0533973% or 0.0670959% 
For Balance Transfers, 0.0396986%, 0.0533973% or 0.0670959% 
For Cash Advances, 0.0732603% 

Index:    Prime Rate as of December 11, 2019 is 4.75%  

  F03-T444-5-1219