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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  unlaw ful  or  illegal 
purposes.    Such  transactions  include,  but  are  not  limited  to,  online  gambling  transactions,  the  purchase  of 
lottery  tickets  or  casino  chips  or  off-track  betting  and  w agering.  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  law s  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  Annotate d  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.   

∗ VISA is a registered trademark and service mark of VISA International Service Association, and is used by TD Bank, N.A. pursuant 
to a license from VISA U.S.A. Inc. 

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2.  Cash  Adv ances.  You  may  use  your  Card  to  obtain  cash  advances  wherever  your  Card  is  honored  for  cash 
advances.    Cash  Advances  obtained  from  a  financial  institution,  an  automated  teller  machine,  or  any  other  party  that 
agrees  to  honor  the  credit  card  for  cash  advance  purposes,  and  all  Convenience  Checks  (including  Convenience 
Checks  used  to  transfer  balances)  posted  to  your  account  are  considered  Cash  Advances  For  example,  your  Card  may 
be  used  to  obtain  cash  advances  at  ATMs  displaying  the  VISA  logo  and  from  participating  financial  institutions  honoring 
VISA  credit  cards.  You  may  be  required  to  sign  a  special  form  and/or  provide  your  personal  identification  number  (PIN). 
Please  select  a  PIN  that  is  not  easily  identifiable  and  does  not  consist  of  one  single  number  (for  example,  “1111”)  or 
consecutive  numbers.  PINs  should  also  not  be  based  on  or  include  your  birth  date,  zip  code  or  Account  number. Do  not 
write  your  PIN  on  your  Card  and  do  not  keep  your  PIN  with  or  near  your  Card  or  any  Access  Device.    See  the  Interest 
Rate  and  Fee  Schedule  on  the  card  mailer  for  Cash  Advance  fee  details.     The  amount  of  the  Cash  Advance  transaction 
fee  will  be  added  to  your  minimum  monthly  payment  and  is  due  by  the  payment  due  date  indicated  on  your  monthly 
billing statement. 

3.  Balance  Transfers.  We  may  allow  you  to  transfer  balances  from  other  credit  card  accounts  with  third  parties  (but  not 
us  or  our  affiliates)  to  your  Account.  We  may  limit  the  number  and  types  of  credit  card  accounts  from  which  we  will  allow 
you  to  transfer  balances  and  the  times,  amounts,  manner  and  circumstances  in  which  Balance  Transfers  may  be 
requested.  The  minimum  Balance  Transfer  amount  is  $250  (plus  the  Balance  Transfer  Transaction  Fee).    See  the 
Interest  Rate  and Fee  Schedule  on  the card  mailer for  Balance  Transfer  fee details.  

Introductory  or  Promotional  APRs  on  Balance  Transfers:  We  may  from  time  to  time  make  available  certain 
promotional  Annual  Percentage  Rate  (APRs)  on  balance  transfer  transactions.  See  Section  4  –  Interest  Charges 
subsection  D  for  details  on  how   to  av oid  paying  interest  on  new   purchases  if  you  take  adv antage  of  a  0% 
introductor y  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 

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your  Account  by  applying  the  credit  balance  towards  new  fees  and  charges  posted  to  your  Account.  We  do not  pay  any 
interest  on credit  balances.   

G.  Payments.  You may  at any  time pay  off the full unpaid balance or  part  of the  unpaid balance under  this  Agreement. 

1.  Minimum  Payment.  If  you  have  an  outstanding  balance,  we  must  receive  your  minimum  payment  as  set  forth  in 
section  2 "Making  Payments"  below.  The minimum payment  will be the greater  of: 

(i) 

(ii) 

$35, or   

One  percent  (1%)  of the New  Balance  plus: 

(a) 

(b) 

(c) 

The periodic  interest  charges  for  the Billing Cycle; plus 

The  full  amount  of  any  transaction  fees  (such  as  Cash  Advance,  Balance  Transfer 
and Foreign  Transaction  Fees)  owed  for  the Billing Cycle; plus 

The  full  amount  of  any  Annual  Membership  Fee,  Late  Payment  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; 

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(ii) 

to transactions  with the  lowest  Daily Periodic  Rates  and corresponding  APRs.   

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  16027,  Lewiston,  ME    04243-9513, 
Attention:  Customer  Service.  If  such  payment  is  sent  to  any  other  address,  you  agree  that  (i)  we  may  ignore  any  special 
notations  or  instructions  on  or  with  the  payment  and  (ii)  our  crediting  any  such  payment  to  your  Account  does  not  mean 
that we  have agreed  to any  special  notations  or instructions  on or  with  the payment. 

5.  Automatic  Payments.  We  may  allow  you  to  repay  amounts  owed  under  this  Agreement  through  automatic  payments 
from  a  savings  or  checking  account.  We  may  terminate  our  permission  to  make  automatic  payments  at  any  time.  If  we 
allow  automatic  payments,  no  automatic  payment  will  occur  unless  the  savings  or  checking  account  has  sufficient 
collected  funds  in  it  on  the  Business  Day  before  the  payment  due  date  to  cover  the  full  amount  of  the minimum payment 
due  (or  any  larger  monthly  payment  you  and  we  may  agree  to  from  time  to  time).  If  an  automatic  payment  does  not 
occur  for  any  reason,  you  still  must  pay  the  minimum  payment  and  a  Late  Payment  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 

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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.  INTERES T  CHARGES   

A.  Annual  Percentage  Rates.  Annual  Percentage  Rate  or  APR  means  the  annual  rate  of  interest  charged  on  Account 
balances.  The  APRs  and  corresponding  Daily  Periodic  Rates  for  your  Account  are  listed  in  the  Interest  Rate  and  Fee 
Schedule.  To  get  the  Daily  Periodic  Rate,  we  divide  the  APR  by  365  and  round  at  the  seventh  place  after  the  decimal 
point.  We  may  charge  different  Daily  Periodic  Rates  and  APRs  on  different  Account  transactions  (such  as  purchases, 
cash  advances  and  balance transfers)  or  during special  promotional periods.   

B.  Variable  Rates.  Your  APRs  are  subject  to  change  each  Billing  Cycle  and  are  determined  each  Billing  Cycle  by 
adding  the  Margins  listed  in  the  Interest  Rate  and  Fee  Schedule  to  the  Index.  The  Index  is  the  Prime  Rate  (U.S.) 
published  in  the  Money  Rates  section  of  The  Wall  Street  Journal .  Your  APRs  may  increase  if  the  Index  increases.  If  any 
APR  increases,  the  amount  of  interest  charged  and  your  minimum  payment  may  increase.  Any  change  in  the  APRs  will 
take  effect  on  the  first  day  of  the  Billing  Cycle  in  which  a  change  to  the  Index  occurs.  When  a  range  of  rates  has  been 
published  on  the  day  we  calculate  the  APR,  the  highest  of  the  rates  will  be  used.    If  this  Index  is  no  longer  available  we 
will select  a new  one.  The maximum  rate  for  any variable  APR  is  the applicable Margin plus  the  Index. 

C.  Introductory  or  Promotional  APR.  We  may  offer  you  an  introductory  or  promotional  APR  for  specific  Account 
transactions,  such  as  balance  transfers.  Any  introductory  or  promotional  APR  offer  will  be  subject  to  the  terms  of  the 
offer  and  this  Agreement.  Upon  the  expiration  of  an  introductory  or  promotional  APR,  the  rate  will  return  to  the  rate  for 
the  specified  type  of  transaction(s)  as  stated  in  this  Agreement.  See  Section  4  –  Interest  Charges,  subsection  D  for 
details  on  how   to  av oid  paying  interest  on  new   purchases  if  you  take  adv antage  of  a  0%  introductory  or 
promotiona l  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 
to the Account.  The "Payment  to Avoid  Purchase  Interest"  will never  be less  than the  minimum due. 
assessed 

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 

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payment  is  not  received  when  due,  we  may  charge  a  Late  Payment  Fee  of  the  minimum  payment  due  or  $37, whichever 
is  less.   

2.  Returned  Payment  Fee.  We  may  charge  you  this  fee  each  time  your  financial  institution  for  any  reason  rejects  a 
payment  you  make  to  us,  or  if  the  payment  cannot  be  processed.    The  first  Returned  Payment  Fee  will  be  equal  to  $27 
or  your  minimum  payment  due;  whichever  is  less,  even  if  your  payment  is  eventually  paid  after  a second  presentment  (if 
we  elect  to  re-present  the  payment).  If  over  the  next  six  Billing  Cycles  you  incur  an  additional  Returned  Payment  fees 
(for  any  of  the  reasons  stated  above)  the  Returned  Payment  Fee  may  increase  to  $37,  or  your  minimum  payment  due, 
whichever  is  less.     

D.  Other  Fees.  We  may  also  charge  the following fees,  subject  to any  restrictions  of applicable law. 

1.  Copy  Fees.  We  may  charge  you  a  fee  of  up  to  $7 for  each  copy  of  a  Statement  or  sales  draft  you  request or  up  to  $5 
for  each  copy  of  a  payment  check  or  written  Access  Device  you  request.  However,  we  will  not  charge  you  for  copies  of 
documents  that you  request  in connection  with a billing error/inquiry  you  may  assert  against  us  under  applicable law.  

2.  Emergency  Replacement  Card  Fee.  If  you  request  a  replacement  Card  on  an  expedited  basis  (for  example,  to 
replace  a lost  or  stolen  Card),  we  may  charge  you  an Emergency  Replacement  Card  Fee  of  up to $25. 

3.  Stop  Payment  Fee.  If  you  ask  us  to  stop  payment  on  an  Access  Device,  we  may  charge  you  a  Stop  Payment  Fee  of 
$39. 

6.  DEFAULT 

A.  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 

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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. INFORMATI O N  SHARING 

A.  Credit  Information.  We  may  review  your  credit  history  by  obtaining  information  from  consumer  reporting  agencies 
and  others.  We  may  report  information  about  your  Account  to  credit  bureaus.  Late  payments,  missed  payments  or  other 
defaults  on  your  Account  may  be  reflected  in  your  credit  report.  We  may  report  Account  information  on  Authorized 
Users. 

B.  How   to  Dispute  Reports  Regarding  Your  Account.  If  you  think  the  information  we  furnished  to  consumer  reporting 
agencies  on  your  Account  is  not  accurate  please  write  to  us  at:  P.O.  Box  84037,  Columbus,  GA  31908-4037.  With  your 
letter,  please  provide  us  with: 

The Account  number(s)  for  the Account(s)  you  are  disputing;  

•  Your  name,  address  and telephone  number;  
• 
•  A description  of the specific  information you  are  disputing  and  an explanation of the  basis  for  your  dispute;  and   
•  Copies  of  documents  that  support  your  dispute.  These  could  include  (but  are  not  limited  to):  a  copy  of  your 
consumer  report  showing  the  information  that  you  are  disputing,  your  Statements,  a  court  order  or  (if 
applicable) a copy  of a police report  or fraud  or identity theft  affidavit. 

If  you  fail  to  provide  us  with  the  information  listed  above,  we  may  be  unable  to  investigate  your  dispute.    We  will  notify 
you  of  the  results  of  our  investigation  within  30  days  of  receiving  your  dispute.  A  delay  may  be  experienced  if  the dispute 
is  not  mailed  to  the  address  above.  We  may  take  up  to  45  days  to  investigate  your  dispute  if,  after  providing  us  with  your 
initial  notice  of  dispute,  you  provide  us  with  additional  information  that  is  relevant  to  our  investigation. If our investigation 
finds  that  the  information  you  are  disputing  was  inaccurate,  we  will  notify  the  consumer  reporting  agency  of  our 
determination  and provide  the  consumer  reporting  agency  with the  information necessary  to  correct  the  inaccuracy.   

We  will  have  no  duty  to  investigate  disputes  that  are  substantially  similar  to  a  prior  dispute  that  we  have  responded  to,  or 
that  relate  to  your  identifying  information  (such  as  your  name,  date  of  birth,  Social  Security  number,  telephone  number 
or  address),  inquiries  appearing  on  your  consumer  report,  information  from  public  records  (such  as  judgments,  liens,  or 
bankruptcies,  unless  these  matters  relate  to  your  Account(s)  with  us),  information  related  to  fraud  or  active  duty  alerts  on 
your  report,  or  information  provided  to  the  consumer  reporting  agency  from  someone  other  than  us.  We  will  also  have 
no  duty  to  investigate  your  dispute  if  we  reasonably  believe  it  was  submitted  or  prepared  by  (or  if  you  submitted  it  on  a 
form  provided  by)  a  credit  repair  organization.  If  we  determine  that  we  will  not  investigate  your  dispute  for  one  of  these 
(or  some  other)  reasons  we  will notify you  of that  determination within five  Business  Days. 

C.  Telephone  Monitoring  and  Recording.  You  consent  to  and  authorize  us  and  any  of  our  affiliates,  agents  and 
marketing  associates 
telephone  conversations  with  any  of  our  or  their 
representatives  for  quality control,  training and  other  lawful purposes. 

to  monitor  and/or  record  any  of  your 

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. MISCELLANEO US 

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.   

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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 
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.  
• 
amount  you  think  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        

At  least  3  business  days  before  an  automated  payment  is  scheduled,  if  you  want  to  stop  payment  on  the 

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 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: 
• 
that amount. 
• 
If  we  do  not  believe  there  was  a  mistake:    You  will  have  to  pay  the  amount  in  question,  along  with  applicable 
interest  and  fees.    We  will  send  you  a  statement  of  the  amount  you  owe  and  the  date  payment  is  due.    We  may 
then report  you  as  delinquent if you do not pay  the  amount we  think  you owe. 

If  we  made  a  mistake:    You  will  not  have  to  pay  the  amount  in  question  or  any  interest  or  other  fees  related  to 

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. 

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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 accesse s  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. 

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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: 
14.49%, 19.49% or 24.49%, based on your 
creditworthiness.   
     All APRs will vary with the market based on the Prime Rate.      
TD First Class: 
14.74% 
     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 14.49%, 19.49% or 24.49%, 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 14.74%. 
      This APR will vary with the market based on the Prime Rate. 
26.74% 
      This APR will vary with the market based on the Prime Rate.  

How to Avoid Paying Interest 
on Purchases:  

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. 

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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 May  01,  2018  are:   

 For  Purchases,  0.0396986%,  0.0533973%  or  0.0670959% 
 For  Balance Transfers,  0.0396986%,  0.0533973%  or 0.0670959% 
 For  Cash  Advances,  0.0732603% 

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 May  01,  2018  are:   

For  Purchases,  0.0403836% 
For  Balance Transfers,  0.0403836% 
For  Cash  Advances,  0.0732603% 

Index:          Prime  Rate  as  of May  01, 2018  is  4.75%   

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