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             Credit Card Agreement 

1.  INTRODUCTION.  Your  TD  Bank  VISA®∗
  Card  account  (“Account”)  is  subject  to  this  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 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  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  at  1-
877GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other cards 

∗ 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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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 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card 
or at 1-888-561-8861 for all other cards. 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  to  obtain  cash  advances  wherever  your  Card  is  honored  for  cash 
advances.  Cash Advances obtained from a financial institution, an automated teller machine, or any other party that 
agrees  to  honor  the  credit  card  for  cash  advance  purposes,  and  all  Convenience  Checks  (including  Convenience 
Checks used to transfer balances) 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. 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 
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.  See the Interest Rate and Fee Schedule on the card mailer 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. 

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.  

Introductory  or  Promotional  APRs  on  Balance  Transfers:  We  may  from  time  to  time  make  available  certain 
promotional Annual Percentage Rate (APRs) on balance transfer transactions. See Section 4 – Interest Charges 
subsection D for details on how to avoid paying interest on new purchases if you take advantage of a 0% 
introductory or promotional APR Balance Transfer offer.  

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. 

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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 1-877-GO-TD1ST (1-877-
468-3178) if you have a First Class Visa Signature Card  or at  1-888-561-8861  for all other cards.  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 1-877-GO-
TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or at 1-888-561-8861 for all other cards.  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.  

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 as set forth in 
section 2 "Making Payments" below. The minimum payment will be the greater of: 

(i) 

(ii) 

$35, or  

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.   

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Credits, Payment Plus credits (if you have a Payment Plus Account), 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  1-877-GO-TD1ST  (1-877-468-3178)  if  you  have  a  First 
Class  Visa  Signature  Card  or  at  1-888-561-8861  for  all  other  cards.  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 

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accompanying letter or other instructions) must be sent to: TD Bank, P.O. 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 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- or call 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or 1-
888-561-8861  for all other cards. 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. 

7. Payment Plus Credit.  If you have a Payment Plus Account, when we receive qualifying payments of at least 5% 
of  the  New  Balance  on  a  Statement  on  or  before  the  payment  due  date  for  that  Statement,  you  will  receive  a 
Payment Plus credit. If you pay 5% to 9.99% of your New Balance, the credit will equal 25% of the interest charged 
on  your  next  Statement.  If  you  pay  10%  or  more  of  your  New  Balance,  the  credit  will  equal  50%  of  the  interest 
charged  on  your  next  Statement.  Your  Account  must  be  open  and  in  good  standing  to  receive  the  Payment  Plus 
credit.  Qualifying  payments  do  not  include  Payment  Plus  credits,  other  credits,  adjustments,  refunds  or  similar 
Account transactions. If your Account is in default, you are in a forbearance plan or charging privileges have been 
revoked, you will not receive a Payment Plus credit. 

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 at 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card 
or 1-888-561-8861  for all other cards. 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.   

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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 
1-877-GO-TD1ST  (1-877-468-3178)  if  you  have  a  First  Class  Visa  Signature  Card  or  1-888-561-8861  for  all  other 
cards. 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. 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. 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. See Section 4 – Interest Charges, subsection 
D for details on how to avoid paying interest on new purchases if you take advantage of a 0% introductory or 
promotional APR Balance Transfer offer. 

D. When Interest Charges Begin. Your payment due date is at least 25 days after the close of each Billing Cycle. 
We will not charge you interest on new purchases if you pay your entire balance in full by the payment due date each 
Billing Cycle. 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. If you have a balance transfer balance on your Account that is subject to a 0% introductory or promotional 
APR we will not charge you interest on new purchases during the term of the introductory or promotional offer if you 
pay by the payment due date of each Billing Cycle the amount that equals: (1) your Minimum Payment Due; plus (2) 
the  total  outstanding  purchase  balance;  plus  (3)  the  total  outstanding  cash  advance  balance;  plus  (4)  the  total 

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amount of outstanding balance transfer balances that are not subject to the 0% introductory or promotional APR; plus 
(5) plus any fees that had been assessed to the Account.. 

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. 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 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. 

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•  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. 

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 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 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or at 
1-888-561-8861 for all other cards. 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: 

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•  Your name, address and telephone number;  
•  The Account number(s) for the 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 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  pre-
recorded voice messages and automatic dialing technology for informational and account service calls, but not for 
telemarketing  or  sales  calls.  It  may  include  contact  from  companies  working  on  our  behalf  to  service  your 
accounts.  Message and data rates may apply.  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 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  person  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. 

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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: 
•  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 is a mistake. 
You must contact us: 
•  Within 60 days after the error appeared on your bill. 

•  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: 

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•  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: 
• 
to that amount. 
• 
If we do not believe there was a mistake:  You will have to pay the amount in question, along with applicable 
interest and fees.  We will send you a statement of the amount you owe and the date payment is due.  We may 
then report you as delinquent if you do not pay the amount we think you owe. 

If we made a mistake:  You will not have to pay the amount in question or any interest or other fees related 

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 877-488-3712. 

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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  

TD Cash:                           
     13.99%, 18.99% or 23.99%, based on your   
     creditworthiness.  
     All available APRs will vary with the market based on the Prime Rate.    
 First Class:    
   14.24% 
   This APR will vary with the market based on the Prime Rate. 

APR for Balance 
Transfers  

APR for Cash 
Advances  
How to Avoid 
Paying Interest on 
Purchases  
Minimum Interest Charge  

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau  
Fees  
Annual Fee  

  Transaction    
Fees   

Balance 
Transfers 

Cash Advances 

Foreign 
Transactions 

Penalty Fees  

• 

Late Payment  

TD Cash:  
0% Introductory APR for the first 12 billing cycles after Account opening.  
       After that, your APR will be 13.99%, 18.99% or 23.99%, based on   
       your creditworthiness.  
       All APRs will vary with the market based on the Prime Rate.  
First Class:      
0% Introductory APR for the first 12 billing cycles after Account opening.  
    After that, your APR will be 14.24%.  
      This APR will vary with the market based on the Prime Rate. 
24.24% 
   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 any interest on purchases if you pay your entire balance by the due 
date each month.  
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. 

TD Cash:     None. 

 First Class:   $89 (waived for the first year). 
TD Cash:      
Either $5 or 3% of the amount of each transfer, whichever is greater. 
First Class:   
Either $5 or 3% of the amount of each transfer, whichever is greater. 
 TD Cash:     
 Either $10 or 5% of the amount of each cash advance, whichever is  
 greater. 
 First Class:    
 Either $10 or 3% of the amount of each cash advance, whichever is    
 greater. 
TD Cash:  None. 
First Class:  None. 

TD Cash: 
Up to $35 

First Class: 
Up to $35 

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How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including Current Transactions).” See 
your account agreement for more details. 

Loss of Introductory APR:  If you are 60 days past due, we may end your introductory APR for Balance Transfers and apply 
the standard APR for Balance Transfers as stated in the Interest Rates and Interest Charges Table, to all existing and new 
Balance Transfer balances on the Account. 

Billing Rights: Information about your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement. 

TD Cash Margins:   

 For Purchases, 9.74%, 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, 19.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of July 25, 2017 are:  

 For Purchases, 0.0383287%, 0.0520273% or 0.0657260% 
 For Balance Transfers, 0.0383287%, 0.0520273% or 0.0657260% 
 For Cash Advances, 0.0664109% 

First Class Margins:   

 For Purchases, 9.99% will be added to the Index 
 For Balance Transfers, 9.99% will be added to the Index 
 For Cash Advances, 19.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of July 25, 2017 are:  
For Purchases, 0.0390136% 
For Balance Transfers, 0.0390136% 
For Cash Advances, 0.0664110% 

Index:   

     Prime Rate as of July 25, 2017 is 4.25%  

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