1 

Credit  Card  Agree me nt 

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  w ill  not  use  your  Card  or Account for any fraudulent or illegal purposes. 
Such  transactions  include,  but  are  not  limited  to,  illegal  gambling  transactions.  We  reserv e  the right to block all such 
transactions. If any such charge or transaction is approv ed and processed, you w ill 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 substantiv e laws of the State of Delaw are (to the extent not preempted 
by federal law ) w ithout regard to principles of conflicts of law  or choice of law  shall gov ern this Agreement. To the extent 
any court determines that this Agreement is subj ect to Maryland law  concerning credit, you and TD Bank agree that your 
Account  is  gov erned  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 1-877-GO-TD1ST (1-877-468-3178) if 
you have a First Class  Visa Signature Card or 1-888-561-8861 for all other cards 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 Adv ances. 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 Adv ances. 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, 

∗ 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-W422-4-0419 

 
 
  
 
 
   
              
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
                                              
 
 
2 

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. 

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.  

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  av oid  paying  interest  on  new   purchases  if  you  take  adv antage  of  a  0%  introductory  or  promotional  APR  Balance 
Transfer offer.  

4. Access Dev ices. 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 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 Dev ice. 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. 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. 

F03-W422-4-0419 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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: 

3 

(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 or Returned Payment Fee 
or other applicable fees owed.  

In addition, any past due minimum payment amounts will be added to your current minimum payment due. 

If your New Balance is less than $35, your minimum payment will equal your New Balance.   

Credits,  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 Av ailable 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) 

F03-W422-4-0419 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
4 

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 
1-877-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 Conv ersion. 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. Rev oking 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.   

I. Lost or Stolen Cards, Account Numbers or Access Dev ices. 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  ov er  the  VISA  netw ork.  To  be  eligible,  you  must  notify  us  immediately  of any 
unauthorized  use  of  your  Account  or  Card.  We  w ill  prov isionally  credit  you  for  losses  from  the unauthorized Card use 
w ithin  fiv e  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  w ithhold,  delay, limit or rescind any prov isional credit that w e prov ide to you under the Zero Liability 
Policy,  based  on  factors  such  as  your  gross  negligence  or  fraud,  your  delay  in  reporting  unauthorized  use,  our 
inv estigation and v erification of your claim, your Account standing and history and other factors. If you are not eligible for 
the  VISA  Zero  Liability Policy or it otherw ise does not apply, you may be liable for unauthorized use of your Account, but 
not  for  more  than $50. You w on’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 Dev ice. We may require you to prov ide 
certain  information  in  w riting  to  help  us  find  out  w hat  happened.  You  also  must  identify  for  us  any  charges  on  your 
Statement that w ere not made by you or someone authorized by you and from w hich you receiv ed 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 

F03-W422-4-0419 

 
 
 
 
 
 
 
 
 
 
 
 
 
5 

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.  See  Section  4 –  Interest  Charges,  subsection  D  for  details  on  how   to  av oid  paying  interest on new  
purchases if you take adv antage 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 shown within the 'Payment 
Information" box titled "Payment to Avoid Purchase Interest". We calculate the amount by adding: (1) your Minimum Payment Due; 
plus (2) the total outstanding purchase balance; plus (3) the total outstanding cash advance balance; plus (4) the total amount of 
outstanding balance transfer balances that are not subject to the 0% introductory or promotional APR; plus (5) any fees that had 
been assessed to the Account. The "Payment to Avoid Purchase Interest" will never be less than the minimum due. 

E.  Balance  Calculation  Method  (Av erage  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 Adv ance and Balance Transfer Transaction Fees.  

1. Cash Adv ance 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. 

F03-W422-4-0419 

 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
6 

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. Ev ents 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. 

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 
1-877-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: 

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 

F03-W422-4-0419 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
 
7 

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 Waiv ers. 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. 

C. No Security. Your Account is unsecured. We are not taking a security interest in any property in connection with your Account.  

D. Ev idence. 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. Sev erability. If any part of this Agreement is held to be invalid, the rest will remain in effect. 

G.  Delay in Enforcement/No Waiv er. 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 

F03-W422-4-0419 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
8 

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.  
• 
is wrong. 
You must notify us of any potential errors i n writing.  You may call us, but if you do we are not required to        investigate any 

At least 3 business  days before an automated payment is scheduled, if you want to stop payment on the amount you think 

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 i f 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. 

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.   

Activ e Duty Serv ice 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-W422-4-0419 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
9 

The Interest Rate and Fee Schedule is incorporated into and m ade a part of your Personal Credit Card 
Agreem ent. 

Please read and keep this Schedule w ith your Agreem ent for your records. 

Interest Rate and Fee Schedule 

Interest Rates and Interest Charges  

Annual Percentage Rate (APR) 
for Purchases:  

APR for Balance Transfers:  

APR for Cash Advances:  

TD Cash: 
15.24%, 20.24% or 25.24%, based on your 
creditworthiness.   
     All APRs will vary with the market based on the Prime Rate.      
TD First Class: 
15.49% 
     This APR will vary with the market based on the Prime Rate.      
TD Cash: 
0%  Introductory APR for the first 12 billing cycles after Account 
opening. 
After that, your APR will be 15.24%, 20.24% or 25.24%, based 
on your creditworthiness.  
      All APRs will vary with the market based on the Prime Rate. 
TD First Class: 
0%  Introductory APR for the first 12 billing cycles after Account 
opening. 
After that, your APR will be 15.49%. 
      This APR will vary with the market based on the Prime Rate. 
27.49% 
      This APR will vary with the market based on the Prime Rate.  

How to Avoid Paying Interest 
on Purchases:  

Minimum Interest Charge:  

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau:  

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. 

Fees  

Annual Fee:  

Transaction Fees:  

• Balance Transfers  
• Cash Advances 

• Foreign Transactions 
Penalty Fees:  
• Late Payment  
• Returned Payment 

TD Cash: None 
TD First Class: $89 (waived for the first year) 

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. 
TD First Class: 
Either $10 or 3%  of the amount of each cash advance, 
whichever is greater. 
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. 

F03-W422-4-0419 

 
 
  
  
  
  
  
 
 
10 

Loss  of  Introductor y  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,  21.99%  will be  added to  the Index 

The corresponding  DAILY  PERIODIC  RATES  as  of April 30,  2019 are:   

 For  Purchases,  0.0417534%,  0.0554521%  or  0.0691507% 
 For  Balance Transfers,  0.0417534%,  0.0554521%  or 0.0691507% 
 For  Cash  Advances,  0.0753151% 

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,  21.99%  will be  added to  the Index 

The corresponding  DAILY  PERIODIC  RATES  as  of April 30,  2019 are:   

For  Purchases,  0.0424384% 
For  Balance Transfers,  0.0424384% 
For  Cash  Advances,  0.0753151% 

Index:          Prime  Rate  as  of April 30,  2019 is  5.50%   

F03-W422-4-0419