93723  06/22/11  11:03 AM  Page 1

we may charge a late fee of the minimum payment due or $25, whichever
is  less.  If  over  the  next  six  billing  cycles,  the  minimum  payment  is  not
received when due, we may charge a late fee of the minimum payment due
or $35, whichever is less. 

B. Other Fees.

1. Administrative  Fees.  If  you  request  a  copy  of  a  Statement  or  sales
draft, we may charge you “Statement Reprint Fee” or “Sales Draft Copy
Fee” of up to $7 as applicable for each copy. If you request a copy of a
payment check, Convenience Check or balance transfer check, we may
charge you a “Check Copy Fee” or “Convenience Check Copy Fee” of
up  to  $5  for  each  copy.  If  you  request  a  replacement  Card  on  an
expedited basis (for example, to replace a lost or stolen Card), we may
charge you an “Emergency Replacement Card Fee” of up to $25 for this
service.  However,  we  will  not charge  you  for  copies  of  billing
Statements,  sales  drafts,  or  other  documents  that  you  request  for  a
billing error/inquiry you may assert against us under applicable law. 
2. Same Day Telephone Payment Processing Fee. We encourage you to
mail all Account payments to us. However, from time to time, in our sole
discretion,  we  may  make  available  to  you  the  option  of  expediting  a
single payment to the Account from a designated bank account of yours
by telephone, for a payment processing fee. If you speak with a TD Bank
customer service representative and authorize us to process any such
single telephone payment and request the payment to be posted to your
Account  the  same  day,  you  agree  that  we  will  deduct  the  payment
amount  from  your  designated  bank  account,  and  post  a  payment
processing fee to your Account.  The amount of the fee will be disclosed
at the time you request this optional payment service. 

3. Cash Advance and Balance Transfer Transaction Fees. In addition to
the periodic interest charge on cash advances and balance transfers,
we will also charge a transaction fee on each cash advance and balance
transfer  you  obtain  (including  promotional  balance  transfers).
Transaction fees are listed in the Interest Rate and Fee Schedule. We add
the  transaction  fee  to  the  balance  for  the  related  category  as  of  the
transaction date of the cash advance or balance transfer. For example,
a cash advance transaction fee would be added to your cash advance
balance. 
If  you  use  an  ATM  that  is  not  owned  by  TD  Bank  to  obtain  a  cash
advance, you may also be charged a separate transaction fee by that
ATM owner/operator.

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

5. Foreign Transactions.

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

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

6. DEFAULT.

A. Events of Default. 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 the required minimum payment as provided in sections
3.H.1 and 3.H.2, or we do not receive any other payment required by this
Agreement when such payment is due.

• You exceed the 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 (6) Billing Cycles.

• You breach or otherwise fail to comply with any term or condition of this

Agreement.

• We have reason to suspect that you or any Authorized User may have
engaged or participated in any unusual, suspicious, fraudulent, or illegal
activity on your Account.

• You  do  not  give  us  any  updating  information  about  your  finances,
employment,  or  any  other  information  we  may  reasonably  request,
promptly after our request.

B. Our Rights After Default. In the event of default, we may terminate your
Account as provided in section 7 below, accelerate the unpaid balance and
commence collection activity.
1. Collection Costs. We may refer any past due amounts you owe under
this Agreement to a collection agency or lawyer for collection, in which
case you agree to pay us our reasonable costs of collection, including
without  limitation  collection  agency  fees,  court  costs  and  attorneys’
fees actually incurred by us, to the fullest extent permitted by applicable
law.

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

7. CLOSING YOUR ACCOUNT.

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

you agree to pay us all amounts you owe under this Agreement, under the
terms  and  conditions  of  this  Agreement,  and  you  agree  that  we  are  not
liable to you for any consequences resulting from closing your Account.
If you are in default, we may close your Account and require you to pay us
immediately the entire amount you owe under this Agreement, in full. We
may also increase the dollar amount of your minimum payment, instead of
requiring  immediate  payment  in  full,  without  losing  our  right  to  require
immediate payment in full. 
If we close your Account to new transactions, you must return all Cards,
unused Convenience Checks and other Account access devices to us (cut,
torn,  or  otherwise  deliberately  damaged  to  prevent  unauthorized  use  by
third parties).

B. You May Ask Us to Close Your 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, and returning all Cards, unused Convenience Checks and
other Account access devices to us (cut, torn, or otherwise deliberately
damaged to prevent unauthorized use by third parties) or contacting us at
1-888-561-8861.  If  you  request  to  close  your  Account  by  phone,  we
reserve the right to require a written notice from you. You also agree to stop
using the Account immediately after you notify us that you want us to close
your Account to new transactions. 

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  that  apply  to  your  Account,  or  increasing  your
required  minimum  payment.  We  may  periodically  review  your  Account  and
credit  and  change  the  APRs  on  your  Account.  We  may  also  change  this
Agreement based on economic or market conditions, our business strategies,
or for any other reason (including reasons unrelated to you or your Account).
However, we must review these changes on a periodic basis to determine if
the conditions still exist. Any changes we make to this Agreement will apply to
new transactions only unless we are permitted to apply them to then-existing
balances.  We  will  notify  you  of  changes  to  this  Agreement  as  required  by
applicable law. We will mail the notice to the address we have on file for your
Account.
INFORMATION SHARING.
A. Credit  Information.  We  may  review  your  credit  history  by  obtaining
information from consumer reporting agencies and others. We may report
information about you and your 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.

9.

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 
In order for us to investigate your dispute, you will need to provide us with
the following information:
• Your name, address, and telephone number;
• The 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 will be unable
to  investigate  your  dispute.  We  will  notify  you  of  the  results  of  our
investigation  within  30  days  of  receiving  your  dispute.  A  delay  may  be
experienced if the dispute is not mailed to the address above. We may take
up to 45 days to investigate your dispute if, after providing us with your
initial notice of dispute, you provide us with additional information that is
relevant to our investigation. If our investigation finds that the information
you are disputing was inaccurate, we will notify the consumer reporting
agency of our determination and provide the consumer reporting agency
with the information necessary to correct the inaccuracy. 
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 5 Business Days. 

C. Telephone Monitoring and Recording. You consent to and authorize TD
Bank and any of its affiliates, agents, and marketing associates, to monitor
and/or record any of your telephone conversations with any of our or their
representatives for quality control, training, and other lawful purposes.
D. Telephone Numbers. If you give a cell phone number directly to us, you
consent to and agree to accept collection calls to your cell phone from us
and our agents. For any telephone or cell phone calls placed to you by us
or our agents, you consent and agree that those calls may be automatically
dialed and/or use recorded messages.

E. 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® Platinum 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 persons that amounts due under
this Agreement have not been paid. You also waive demand for payment,
protest, notice of protest, and all other notices and demands, to the fullest
extent permitted by applicable law.

B. Assignment.  We  may  assign  your  Account  and  our  rights  under  this
Agreement to our affiliates or to some other financial institution or company
without  advance  notice  to  you.  That  entity  will  take  our  place  in  this
Agreement if we do this.
You and your estate or personal representative are bound by the terms of
this Agreement, as this Agreement may be amended from time to time. You
may not assign or transfer the Account or any of your responsibilities under
this  Agreement  to  any  other  person  without  first  obtaining  our  written
consent. We are not required to give our consent.

C. No  Security. This  Account  is  unsecured.  We  are  not  taking  a  security

interest in any property in connection with this 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. In this Agreement, use of the singular includes the plural and
use of the plural includes the singular. If any term of this Agreement is held
invalid or unenforceable by a court or administrative agency having proper
jurisdiction, the remainder of this Agreement shall remain in effect.

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

This  notice  contains  important  information  about  your  rights  and  our
responsibilities under the Federal Credit Billing Act.
What To Do If You Find a Mistake on Your Statement
If you think there is an error on your Statement, write to us at:
TD Bank
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 the problem: If you think there is an error on your Statement,
describe what you believe is wrong and why you believe it is a mistake.

You must contact us:
• Within 60 days after the error appeared on your Statement.
• At least 3 Business Days before an automated payment is scheduled, if you

want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you
do we are not required to investigate any potential errors and you may have to
pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or

explain why we believe the Statement was correct. 

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent

on that amount.

• The  charge  in  question  may  remain  on  your  Statement,  and  we  may

continue to charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible

for the remainder of your balance. 

• We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
• If we made a mistake: You will not have to pay the amount in question or

any interest or other fees related to that amount.

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

If you receive our explanation but still believe your Statement is wrong, you
must write to us within 10 days telling us that you still refuse to pay. If you do
so, we cannot report you as delinquent without also reporting that you are
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we
reported you as delinquent, and we must let those organizations know when
the matter has been settled between us. 
If we don’t follow all of the rules above, you do not have to pay the first $50.00
of the amount you question even if your Statement was correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with
a credit card, and you have tried in good faith to correct the problem with the
merchant, you may have the right not to pay the remaining amount due on the
purchase. 
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles
of your current mailing address, and the purchase price must have been
more than $50.00. (Note: Neither of these are necessary if your purchase
was  based  on  an  advertisement  we  mailed  to  you,  or  if  we  own  the
company that sold you the goods or services.)

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
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. 

INTEREST RATE AND FEE SCHEDULE
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate 19.24% This APR will vary with the
(APR) for Purchases

market based on the Prime Rate.

APR for
Balance Transfer

0% Introductory APR for 12 months after
Account opening.
After that, 19.24%. This APR will vary 
with the market based on the Prime Rate.

APR for Cash Advance

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

Paying Interest

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

Minimum INTEREST 
CHARGE

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

For Credit Card Tips
from the
Federal Reserve Board

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

Annual Fee

Transaction Fees
• Balance Transfer

• Cash Advance

• Foreign Transaction

Penalty Fees
• Late Payment

FEES

None

Either 4% or $10 of the amount of each 
transfer, whichever is greater
Either 5% or $10 of the amount of each 
cash advance, whichever is greater
3% of each transaction in U.S. dollars.

Up to $35

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

Loss of Introductory APR: If you are 60 days past due, you may lose
your right to the offer and the APR will return to the APR for balance
transfers  as  stated  in  the  interest  rates  and  interest  charges  table
which will be applied to all existing and new balances on the Account.

Billing  Rights: Information  about  your  rights  to  dispute  transactions
and how to exercise those rights is provided in Section 11.

Margins: For Purchases, 15.99% will be added to the Index 

For Balance Transfers, 15.99% will be added to the Index
For Cash Advances, 19.99% will be added to the Index

Index:

Prime Rate as of July 1, 2011 is 3.25%.

The corresponding DAILY PERIODIC RATES as of July 1, 2011 are:

For Purchases, 0.052712%
For Balance Transfers, 0.052712%
For Cash Advances, 0.063671% 

1.

3
2
7
3
9
-
1
1
P
C

9
-
3
2
7
L
-
3
0
F

Personal Credit Card Agreement
TD Bank VISA® Platinum Card

INTRODUCTION. Your TD Bank VISA Platinum Card account (your “Account”) is
subject  to  this  Personal  Credit  Card  Agreement,  including  any  Addendum  or
other related materials that accompany the TD Bank VISA Platinum card (the
“Card”) we send you when we open an Account for you. This Personal Credit
Card  Agreement,  Interest  Rate  and  Fee  Schedule  and  other  related  materials,
including  application 
terms  and  conditions,  and  your  application
acknowledgement  are  all  collectively  referred  to  as  the “Agreement.” Please
read and keep this Agreement for your records. By accepting the Card and using
or  maintaining  your  Account,  or  letting  someone  else  use  your  Card  or  your
Account, you agree to all of the terms of this Agreement, including any changes
we make to the Agreement from time to time.
A. Account  Use  and  Acceptance. By  accepting  the  Card  and  using  or
maintaining your Account, or letting someone else use your Card or your
Account,  you  agree  to  all  of  the  terms  of  this  Agreement,  including  any
changes we make to the Agreement from time to time. Use of the Account,
which includes activating the Card, or signing the Card, a sales slip or similar
document,  by  you  or  an  Authorized  User  is  the  equivalent  of  signing  this
Agreement and any such use will constitute acceptance of all the terms and
conditions of this Agreement, even though this Agreement is not signed. You
acknowledge that you received a copy of this Agreement.

You, your, and yours mean each person responsible for paying all amounts owed
under this Agreement, including the person who applied for the Account, and the
person to whom we direct billing statements (“Statements”). We, us, our, and
TD Bank mean TD Bank, N.A., a national bank with its main office located in
Delaware,  and  its  successors  and  assigns.  We  will  issue  you  one  or  more
Card(s)  and  may  also,  in  our  sole  discretion  and  from  time  to  time  after  the
Account  is  opened,  issue  additional  Account  access  devices  (such  as,  for
example,  Convenience  Checks).  Authorized  User means  any  other  person  to
whom you give permission to use your Account.
You agree to use the Card and the Account only for your own lawful personal,
family or household purposes. You agree that you and each Authorized User
will  not  use  the  Card  or  the  Account  for  any  business  or  commercial
purposes, and also will not use the Card or the Account for any unlawful or
illegal  purposes.  Such  transactions  include,  but  are  not  limited  to,  online
gambling  transactions,  and  any  betting  transactions  that  are  illegal  under
applicable law including the purchase of lottery tickets or casino chips, or
off-track  betting  and  wagering.  We  reserve  the  right  to  block  all  such
transactions. However, in the event that a charge or transaction described in
this  disclosure  is  approved  and  processed,  you  will  still  be  liable  for  the
charge. 
B. Promise to Pay. You will be liable for all use of the Card or the Account by
you or by any person with actual, implied, or apparent authority to act for you
or to use the Card or the Account, including any Authorized User. 
You authorize us to pay and charge your Account for all purchases, balance
transfers,  and  cash  advances  resulting  from  the  use  of  your  Card  or  the
Account. You promise to pay us (in U.S. Dollars drawn on U.S. banks) as
required by this Agreement for all of these purchases, balance transfers, and
cash advances, plus interest charges and all other fees and charges owed
under this Agreement (including without limitation all purchases and cash
advances made by an Authorized User).

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

 
 
 
93723  06/22/11  11:03 AM  Page 2

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  including  the  rate  of  interest  and  fees.  I  also  agree  that  the
federal and state courts sitting in New Castle County, Delaware shall have
exclusive  jurisdiction  over  any  judicial  action  or  proceeding  relating  to  or
arising  out  of  the  Account  or  Agreement,  and  I  agree  to  submit  to  the
personal jurisdiction of such courts. If any part of this Agreement is held to
be invalid, the rest will remain in effect. To the extent any court determines
that this Agreement is subject to Maryland law concerning credit, you and TD
Bank  agree  that  your  Account  is  governed  by  Title  12,  Subtitle  9  of  the
Commercial  Law  Article  of  the  Annotated  Code  of  Maryland,  except  as
preempted by federal law.

3. USING YOUR ACCOUNT.

A. Credit Limit.

1. General. Your initial credit limit for the Account is shown in the materials
that accompany the Card(s) we send you when we open an Account for
you.  Your  current  credit  limit  for  the  Account  will  be  shown  on  each
Statement. You also may telephone Customer Service at 1-888-561-8861
for your current credit limit. You agree to not go over your credit limit. You
also agree that 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 to you, or sooner upon
our  request.  If  we  permit  you  to  go  over  your  credit  limit,  we  will  not
charge you an overlimit fee. 

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

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

B. Types of Transactions.

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

2. Balance  Transfers. You  may  obtain  an  advance  from  us  by  following
instructions  we  give  you  (or  by  completing  a  special  balance  transfer
check we give you), in order to transfer balances from other eligible credit
card accounts of yours with third parties (not with TD Bank or with banks
now or hereafter affiliated with TD Bank through common ownership or
control) to the Account. We may limit the number and types of credit card
accounts  from  which  we  will  allow  you  to  transfer  balances  to  the
Account,  and  the  times,  manner,  and  circumstances  in  which  balance
transfers may be requested. We may refuse to process balance transfer
checks  or  balance  transfer  requests  received  after  any  applicable
expiration date printed on the balance transfer checks or request forms.

We will not return paid balance transfer checks to you. We will not certify
any  balance  transfer  checks.  All  balance  transfers  are  subject  to  your
available credit limit. The minimum balance transfer amount is $250 (plus
the balance transfer transaction fee described in the Section 5.B.3). You
may not post-date any balance transfer check. You agree that we may
refuse  to  process  a  post-dated  balance  transfer  check,  or  process  it
before the date on the check, in our sole discretion. 

3. Cash Advances. You may use the Card to obtain cash advances from a
financial  institution,  an  automated  teller  machine  or  similar  device  or
terminal (ATM), or any other party that agrees to honor the Card for cash
advance purposes. For example, the Card may be used to obtain cash
advances at ATMs displaying the VISA logo, and from participating banks
or  other  financial  institutions  honoring  VISA  credit  cards.  You  may  be
required to sign a special form and/or provide your personal identification
number (PIN) before your Card will be honored for a cash advance. Cash
advances may not be used to pay any amount owed to TD Bank or with
banks  now  or  hereafter  affiliated  with  TD  Bank  through  common
ownership  or  control.  Please  be  sure  to  select  a  PIN  that  is  not  easily
identifiable  and  does  not  consist  of  one  single  number  (for  example,
“1111”), or consecutive numbers. PINs should also not be based on or
include your birth date, zip code, or Card/Account number. Please do not
write your PIN on the Card and do not keep your PIN with or near the Card
or “Convenience Checks”. See Section 5.B.3 for fee information.

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

C. Stop Payment. If you want us to stop payment on a Convenience Check or
balance  transfer,  notify  Customer  Service  immediately  at  P.O.  Box  84037,
Columbus, GA 31908-4037, by first class mail, postage prepaid, or call us
at 1-888-561-8861. If you call, you must confirm your stop payment request
in writing within 14 days. A written stop payment request will remain in effect
for 6 months unless renewed in writing as described above.
You agree to call or write us with your stop payment request as soon as
possible after you have written the Convenience Check or balance transfer
check or otherwise submitted a balance transfer request. You will describe
the  check  or  balance  transfer,  and  give  us  enough  information  about  the
check or balance transfer so that we can identify it.
Whenever you ask us to stop payment on a Convenience Check or balance
transfer, we will make reasonable efforts not to pay that check or balance
transfer.  However,  if  we  pay  that  Convenience  Check  or  balance  transfer
despite these efforts, you agree that we will not be liable to you for paying
that Convenience Check or balance transfer. You also agree that we may not
be able to stop payment on a Convenience Check or balance transfer if you
call or write us after we have started processing the Convenience Check or
balance transfer. You agree to pay us a stop payment fee whenever you ask

us  to  stop  payment  on  a  Convenience  Check  or  balance  transfer.  See
Interest Rate and Fee Schedule for more information.

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

E. Statements.

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

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

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

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

G. Credit Balance. We will make a good faith effort to return to you any credit
balance on your Account if the credit balance has been on your Account
longer than six (6) consecutive billing cycles (or, in our discretion, for a

shorter time period). You may also request a refund of a credit balance on
your Account at any time, by sending your request to Customer Service at
P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage
prepaid. We may reduce the amount of any credit balance on your Account
by applying the credit balance towards new fees and charges posted to
your Account. We do not pay any interest on credit balances. 

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

Agreement.
1. Minimum  Payment.

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

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

(ii) $35.00, or 
(iii) One percent (1.00%) of the New Balance plus:

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

(b) The periodic interest charges for the Billing Cycle; plus
(c) The full amount of any late payment fee, returned payment

fee, and other applicable Account fees owed; plus

(d) Any past due minimum payments.

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

2. Where  to  Send  Payments. Payments  may  be  completed  by  mail,

online, at a TD Bank store or over the phone. 
Payments  must  be  sent  to  the  payment  address  shown  on  your
Statement  and  must  include  the  remittance  coupon  from  your
Statement. Payments made by mail will be credited to your Account
as of the Business Day we receive the payment at the address we
specify  for  payments  on  your  Statement,  provided  we  receive  the
payment  by  5  p.m.,  Eastern  Time  on  a  Business  Day  and  it  is
accompanied by your Statement’s payment stub. A Business Day is
defined  as  Monday  through  Friday,  excluding  federal  holidays.
Payments we receive after 5 p.m. Eastern Time or on a day that is
not a Business Day, at the address we specify for payments on your
Statement, will be posted to your Account as of the next Business
Day, provided they are accompanied by your Statement’s payment
stub (if mailed). Payments that are mailed to us should be in the form
of checks or money orders (in U.S. dollars drawn on U.S. banks). You
agree  to  not  give  us  any  post-dated  check  as  payment  on  the
Account. If the payment due date falls on a day on which we do not
receive or accept payments, the payment will not be treated as late
if received the next Business Day. Important: We may reject or delay
posting nonconforming payments. For example: there may be a delay of

up to five (5) days in crediting a payment if it is received at an address
other than the address we specify for payments on your Statement, or
if it is received without the required payment stub. 
Payments made online will be credited to your Account with a payment
as  of  the  Business  Day  we  receive  the  payment  by  internet  if  it  is
received by 5 p.m., Eastern Time on a Business Day. If we receive an
internet payment after 5 p.m., Eastern Time, or on a day that is not a
Business  Day,  we  will  credit  the  payment  to  your  Account  the  next
Business Day. 
Payments made in person to one of our employees at a TD Bank store
by  the  close  of  business  for  that  location,  will  be  credited  to  your
Account on the day you make your payment. 
Payments made by phone, will be credited to your Account as of the
Business Day we receive the payment by phone if it is received by 5
p.m., Eastern Time on a Business Day. If we receive a phone payment
after 5 p.m., Eastern Time, or on a day that is not a Business Day, we
will credit your Account the next Business Day. 
Your available credit limit(s) may not reflect the payment for up to fifteen
(15) days after we have posted a payment to your Account. 

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

4. Application of Payments.

a.  Generally. We  will  generally  apply  your  minimum  payment  in  the
following order:

(i)
(ii)

(iii)

transactions  (purchases,  balance 

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

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

(i)

(ii)

transactions  (purchases,  balance 

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

5. Payments  Marked  “Paid  in  Full”. If  you,  any  Authorized  User,  or
anyone else, marks a check, money order, or other instrument sent in
payment on your Account “paid in full” or uses a similar phrase on or
with the check, money order or other instrument, in order to settle a debt
owed on your Account that is reasonably in dispute, you must send the
check, money order or other instrument (and any accompanying letter
or  other  instructions)  to:  TD  Bank,  P.O.  Box  23072,  Columbus,  GA
31902-3072, Attention: Customer Service.
If you send your payment to any other address, you agree that (i) we
may ignore any special notations or instructions on or with the payment,
and (ii) our crediting any such payment to the Account does not mean
that we have agreed to any special notations or instructions on or with
the payment.

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

7. Automatic Payments. We may, in our sole discretion, agree to allow
you to make the minimum payments required under this Agreement (or
any larger monthly payment you and we may agree to from time to time)
through automatic payments from a savings or checking account each
Billing Cycle. We do not have to allow automatic payments under this
Agreement. If we agree to allow automatic payments, we may terminate
our agreement to permit you to make automatic payments at any time.
If we agree to allow automatic payments, no automatic payment will
occur unless the savings or checking account has sufficient collected
funds in it, on the Business Day before the payment due date, to cover
the  full  amount  of  the  minimum  payment  due  (or  any  larger  monthly
payment you and we may agree to from time to time). If an automatic
payment  does  not  occur,  for  any  reason,  you  will  be  responsible  for
sending us the minimum payment and any late fee due.
If you have authorized us to pay your credit card bill automatically from
your checking or savings account with us, you can stop the payment on
any amount you think is wrong. To stop the payment write to: TD Bank
P.O. Box 84037 Columbus, GA 31908-4037 or call 1-888-561-8861. To
stop the payment, your letter or telephone call must reach us 3 Business
Days before the automatic payment is scheduled to occur. 

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

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

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

2. Additional  Cards. You  may  request  additional  Cards,  and  you  may
permit  Authorized  Users  to  have  access  to  the  Card  or  Account.
However, if you do, you are liable for all Account transactions made by
those  Authorized  Users,  including  transactions  that  go  over  the
Account’s credit limit, and also all fees incurred by Authorized Users
(including without limitation Interest Charges). You agree that we may
limit the total number of Cards and other Account access devices that
may  be  used  to  charge  transactions  to  your  Account,  in  our  sole
discretion.

3. Revoking  Authorized  User’s  Authority. If  you  want  to  revoke  your
permission for any person you previously authorized to use a Card or
the  Account,  you  must  either  notify  Customer  Service  at  P.O.  Box
84037,  Columbus,  GA  31908-4037,  by  first  class  mail,  postage
prepaid,  or  call  us  at  1-888-561-8861.  We  will  not  discontinue  any
Authorized User’s ability to use the Account until we have received the
Authorized User’s Card and other Account access devices (cut, torn, or
otherwise  deliberately  damaged  to  prevent  unauthorized  use  by  third
parties).  You  agree  to  send  the  Authorized  User’s  Card  and  other
Account  access  devices  to  Customer  Service,  P.O.  Box  84037,
Columbus, GA 31908-4037. You will remain responsible for all Account
transactions by Authorized Users until we receive the Authorized Users’
Cards and other Account access devices at Customer Service, P.O. Box
84037, Columbus, GA 31908-4037.
To  discontinue  an  Authorized  User’s  ability  to  use  the  Account,  you
agree that we may close the Account to new transactions, change the
Account number, and issue you a new Card(s) and other new Account
access devices, all with a different Account number. If we do this, you
must notify anyone you have authorized to submit and post charges to
your Account of the new Account number. You are responsible for the
use  of  each  Card  and  other  Account  access  device  we  issue  in
connection with the Account, according to the terms of this Agreement.
J. Lost  or  Stolen  Cards,  Account  Numbers,  Convenience  Checks,  or
Balance  Transfer  Checks. If  any  Card,  Account  number,  Convenience
Check,  balance  transfer  check,  or  other  access  device  we  issue  in
connection with the Account, is lost or stolen, or if you think someone used
or may use them without your permission, notify us AT ONCE by calling 1-
888-561-8861. Unless prohibited by applicable law, we may close your
Account if you fail to notify us immediately of any of these events. You
agree  that  we  may  close  the  Account  to  new  transactions,  change  the
Account number, and issue you a new Card(s) and new Account access
devices with a different Account number, if we have been notified of the
possible loss, theft, or unauthorized use of your Card, Account number,
Convenience  Check,  balance  transfer  check,  or  other  Account  access
device. If we do this, you must notify anyone you have authorized to submit
and post charges to your Account of the new Account number. Do not use
the  Card,  Account  number,  any  Convenience  Check,  balance  transfer
check, or other Account access device after we’ve been notified, even if the
Card,  Convenience  Check,  balance  transfer  check,  or  other  Account
access device is later found or returned.
Under VISA U.S.A.’s “Zero Liability Policy” you may not be liable for the
unauthorized use of your 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 (5) Business Days of your notification to us of the loss. The
VISA  Zero  Liability  Policy  does  not  apply  to  transactions  made  at  an
ATM or to any transactions made using your PIN that are not processed
by VISA. We may impose greater liability, or withhold, delay, limit or
rescind  any  provisional  credit  that  we  provide  to  you  under  the  Zero
Liability  Policy,  based  on  factors  such  as  your  gross  negligence  or
fraud, your delay in reporting unauthorized use, our investigation and
verification of your claim, your 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

4.

unauthorized use of the Account that occurs after you notify us of the
loss, theft, or possible unauthorized use of your Card, Account number,
Convenience Check, balance transfer check, or other Account access
device. We may require you to provide certain information in writing to
help  us  find  out  what  happened.  You  also  must  identify  for  us  any
charges  on  your  Statement  that  were  not  made  by  you  or  someone
authorized by you, and from which you received no benefit.

INTEREST CHARGES.
A. Annual Percentage Rates. Annual Percentage Rate or APR means the
annual rate of interest charged on Account balances, without taking into
account  transaction  fees  (such  as  cash  advance  or  balance  transfer
transaction  fees  or  foreign  transaction  fees).  The  standard  (non-
introductory) APRs and corresponding Daily Periodic Rates are listed in the
Interest  Rate  and  Fee  Schedule  that  is  at  the  end  of  this  document  or
provided separately. To get the daily periodic rate we divide the APR by 365
and  round  at  the  sixth  place  after  the  decimal  point.  We  may  charge
different Daily Periodic Rates and APRs on different Account transactions
(for example, different Daily Periodic Rates and APRs on purchases, cash
advances, and balance transfers), or during special promotional periods. 
B. Variable  Rates. The  APRs  that  apply  to  your  Account  are  subject  to
change each Billing Cycle with changes to the Index. The Index is the Prime
Rate  (U.S.)  published  in  the  Money  Rates  section  of  The  Wall  Street
Journal. The APRs will be adjusted each Billing Cycle by adding a Margin
to the Index. Any change in the APRs will take effect on the first day of the
Billing Cycle in which a change to the Index occurs. When a range of rates
has been published on the day we calculate the APR, the highest of the
rates will be used. Please see the Interest Rate and Fee Schedule for more
information.

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

D. How  to  Avoid  Paying  Interest  on  Purchases. We  will  not  impose  an
interest charge on new purchases or on any new fees that are added to
your Account balance, if you have paid the previous balance shown on the
Statement  for  the  current  Billing  Cycle  in  full  by  the  payment  due  date
shown on the previous Statement and we receive payment in full of the new
balance shown on the Statement by the cut-off time listed in Section 3.H.2
on (or before) the payment due date. The payment due date will be at least
25 days after the closing date of your Billing Cycle. Interest charges as a
result  of  the  loss  of  a  grace  period  will  not  be  charged  if  those  interest
charges are based on any portion of a balance subject to the grace period
that was repaid prior to the expiration of the grace period.

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

transfer and avoid imposition of an interest charge on the cash advance or
balance transfer. 

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

G. Interest Charge Calculation for Purchases, Balance Transfers & Cash
Advances  Average  Daily  Balance  Method  (Including  Current
Transactions).  If  you  do  not pay  the  previous  balance  shown  on  the
Statement  for  the  current  Billing  Cycle  in  full  by  the  payment  due  date
shown  on  the  Statement,  then  we  will  charge  an  interest  charge  on
purchases,  balance  transfers,  and  cash  advances  (including  any  unpaid
fees or interest charges) at the applicable Daily Periodic Rate. We figure a
portion of the interest charge on your Account by applying a Daily Periodic
Rate  to  the  average  daily  balance  of  your  Account  (including  current
transactions), multiplied by the number of days in the Billing Cycle. To get
the  average  daily  balance,  we  take  the  previous  balance  (including  any
applicable unpaid interest charges and any applicable unpaid fees) at the
beginning of the Billing Cycle and on each day of the Billing Cycle we add
new transactions and any applicable fees, subtract payments and credits
and make other appropriate adjustments. This gives us the daily balance.
Unless we elect to use a later date, we add new transactions to the daily
balance as of the transaction date (“Activity Date”) of the new transaction.
We  consider  credit  balances  as  zero  balances  when  we  figure  the  daily
balance and average daily balance. We then add the daily balances together
and then divide that amount by the number of days in the Billing Cycle. For
interest charge calculation purposes, the Billing Cycle begins on the day
after the close of the previous Billing Cycle. We then multiply the average
daily balance by the number of days in the Billing Cycle. That product is
multiplied by the applicable Daily Periodic Rate. The resulting number is the
interest charge. 
If your purchases are subject to more than one Daily Periodic Rate and
corresponding  APR  (for  example,  because  of  purchases  made  during  a
special  promotional  APR  offer),  we  will  separately  calculate  the  balance
subject to each applicable Daily Periodic Rate and corresponding APR, and
the  resulting  interest  charge,  in  the  same  manner  as  described  above,
using the Daily Periodic Rate applicable to the appropriate purchases and
related  interest  charges  and  fees.  Outstanding  promotional  balance
transfers  that  are  subject  to  the  same  APR  in  effect  for  purchases  may
appear on your Statement as purchases, and may be included in the daily
balances and average daily balance for purchases.

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

5. FEES. You agree to pay the additional fees described below in connection with
your Account whenever applicable. These fees will be added to the balance for
purchases made during the Billing Cycle. 
A. Penalty Fee. The amount is listed in the Interest Rate and Fee Schedule.

Late Payment Fee. The first time we do not receive a required minimum
payment as provided in sections 3.H.1 and 3.H.2 when the payment is due,

F03-L723-9   CP11-93723