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Personal Credit Card Agreement 

1.  INTRODUCTION. Your TD Bank VISA
 Card  account (“Account”) is subject to this Personal Credit Card Agreement, including 
the Interest Rate and Fee Schedule we send with your credit card(s) (“Card”) when we open an Account for you. This Personal Credit Card 
Agreement, the Interest Rate and Fee Schedule and the application or solicitation you submitted for this Account are all a part of and 
collectively referred to as the “Agreement.” Please read and keep this Agreement for your records.  

®∗

You, your and yours mean each person who applied for the Account and the person to whom we direct billing statements (“Statements”). We, 
us, our and TD Bank mean TD Bank, N.A., a national bank with its main office located in Delaware, and its successors and assigns. 
Authorized User means any other person to whom you give permission to use your Account.   

A. Account Use and Acceptance. By accepting your Card and using or maintaining your Account, or letting someone else use your Card or 
your Account, you agree to all of the terms of this Agreement. You acknowledge that you received a copy of this Agreement. Your signature 
on your application or solicitation for this Account, including without limitation any electronic signature or oral acceptance of a telephone 
offer, your Card or any Account-related document represents your signature on this Agreement. 

You agree that you and each Authorized User will not use your Card or Account for any unlawful or illegal purposes.  Such 
transactions include, but are not limited to, online gambling transactions, the purchase of lottery tickets or casino chips or off-track 
betting and wagering. We reserve the right to block all such transactions. If any such charge or transaction is approved and 
processed, you will still be liable for the charge.  

B. Promise to Pay. You promise to pay us for all purchases, balance transfers and cash advances resulting from the use of your Card or 
Account, plus interest charges and all other fees and charges owed under this Agreement (including without limitation all purchases and cash 
advances made by an Authorized User). 

2.  GOVERNING LAW. Applicable federal law and the substantive laws of the State of Delaware (to the extent not preempted by 
federal law) without regard to principles of conflicts of law or choice of law shall govern this Agreement. To the extent any court 
determines that this Agreement is subject to Maryland law concerning credit, you and TD Bank agree that your Account is governed 
by Title 12, Subtitle 9 of the Commercial Law Article of the Annotated Code of Maryland, except as preempted by federal law. 

3.  USING YOUR ACCOUNT 

A. Credit Limit.  

1. General. Your initial credit limit is shown in the materials we send with your Card when we open an Account for you. Your current credit 
limit will be shown on each Statement. You also may telephone Customer Service at 1-877-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 Advances. We may set a credit limit for the total dollar amount of cash advances that may be outstanding from time to 
time that is lower than the overall credit limit for your Account.  

3. Changes to Credit Limit. In our discretion, at any time, we may change any credit limit that applies to your Account. We will notify you 
if we change any credit limit. You may ask us to change your credit limit by contacting Customer Service at P.O. Box 84037, Columbus, GA 
31908-4037, by first class mail, postage prepaid, or by telephoning Customer Service at 1-877-GO-TD1ST (1-877-468-3178) if you have a 
First Class Visa Signature Card or at 1-888-561-8861 for all other cards. We do not have to agree to any such request.   

∗ 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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B. Types of Transactions. 

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1. Purchases. You may use your Card to pay for the purchase or lease of goods or services wherever your Card is honored. If you use your 
Card to purchase or lease goods or services by telephone, mail or internet, you agree that your signature is not necessary as identification in 
such cases.  

2. Cash Advances. You may use your Card to obtain cash advances wherever your Card is honored for cash advances. 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. Please 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.  

3. Balance Transfers. We may allow you to transfer balances from other credit card accounts with third parties (but not us or our affiliates) 
to your Account. We may limit the number and types of credit card accounts from which we will allow you to transfer balances and the times, 
amounts, manner and circumstances in which balance transfers may be requested. The minimum balance transfer amount is $250 (plus the 
Balance Transfer Transaction Fee).  See the Interest Rate and Fee Schedule on the card mailer for Balance Transfer fee details.  

4. Access Devices. We may from time to time issue additional Account access devices (“Access Devices”). Access Devices may include, for 
example, special checks you may use to obtain cash advances or oral offers or written forms by which you may request balance transfers. 
Each Access Device must be in the form we issue and must be used according to the instructions we give you. We may refuse to process 
Access Devices received after any applicable expiration date. We will not return paid Access Devices to you. Access Devices may not be 
used to pay any amount owed to us or our affiliates. We will not certify any Access Device. You may not post-date any Access Device. We 
may refuse to process a post-dated Access Device or process it before the date on the Access Device. 

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

C. Stop Payment. If you want us to stop payment on an Access Device, notify Customer Service immediately at P.O. Box 84037, Columbus, 
GA 31908-4037, by first class mail, postage prepaid, or call us at 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa 
Signature Card or at 1-888-561-8861 for all other cards.  If you call, you must confirm your request in writing within 14 days. A written stop 
payment request will remain in effect for six months unless renewed in writing. Call or write us with your stop payment request as soon as 
possible after you have submitted the Access Device and give us information about the Access Device to help us identify it. 

If you ask us to stop payment, we will make reasonable efforts not to pay that Access Device. However, if we pay that Access Device despite 
these efforts, we will not be liable to you for paying that Access Device. We may not be able to stop payment if you call or write us after we 
have started processing the Access Device. A Stop Payment Fee may apply. 

D. Refusal to Honor Your Card or Access Device. A merchant, business or financial institution may refuse to honor your Card or Access 
Device. You and each Authorized User agree that you have no legal claims or damages against us or anyone else if your use of your Account 
is denied by any merchant, business or financial institution. 

E. Statements. 

1. General. At the end of a each monthly billing cycle (“Billing Cycle”), if there was activity on your Account, we will send you a Statement 
showing what you owe (the “New Balance”) as of the end of the Billing Cycle. The Statement will show any interest charges you owe, the 
minimum payment due, the payment due date, your current credit limit, an itemized list of fees, charges, payments and credits posted to your 
Account during the Billing Cycle and other important information. We will mail or deliver the Statement to the address we have on file for 
your Account.  

2. Change of Address. You must notify us promptly of any change in your address by contacting Customer Service at P.O. Box 84037, 
Columbus, GA 31908-4037, by first class mail, postage prepaid, or by calling us at 1-877-GO-TD1ST (1-877-468-3178) if you have a First 
Class Visa Signature Card or at 1-888-561-8861 for all other cards.  You may also update your address online via www.tdcardservices.com. 
Until we receive, process and verify your new address, we will continue to send Statements and other notices to the last address we have on 
file for your Account.  

F. Credit Balance. We will make a good faith effort to return to you any credit balance that has been on your Account longer than six 
consecutive Billing Cycles (or, in our discretion, for a shorter time period). You may also request a refund of a credit balance on your 

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

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

1. Minimum Payment. If you have an outstanding balance, we must receive your minimum payment by no later than 5 p.m. Eastern Time on 
the payment due date. The minimum payment will be the greater of: 

(i) 

$35, or  

(ii) 

One percent (1%) of the New Balance plus: 

(a) 

(b) 

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 

(c) 

The full amount of any Annual Membership Fee, Late Payment Fee or other applicable fees owed.  

In addition, any past due minimum payment amounts will be added to your current minimum payment due. 

If your New Balance is less than $35, your minimum payment will equal your New Balance.   

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.   

e. Delay in Crediting and Available Credit. We may reject or delay crediting payments that do not follow the instructions above. 
For example, there may be a delay of up to five days in crediting a payment by mail if it is received at an address other than the 
address we specify for payments on your Statement or if it is received without the required payment stub. Your available credit 
limit(s) may not reflect the payment for up to 15 days after we have credited a payment to your Account.   

3. Application of Payments.  

a. Generally.  We will generally apply your minimum payment in the following order: 
(i) 
(ii) 
(iii) 

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. 

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

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

(ii) 

4. Payments Marked “Paid in Full”.  Any check, money order or other instrument sent in payment on your Account marked with “paid in 
full” or similar notation to settle a debt on your Account that is reasonably in dispute (and any accompanying letter or other instructions) must 
be sent to: TD Bank, P.O. Box 16027, Lewiston, ME  04243-9513, Attention: Customer Service. If such payment is sent to any other address, 
you agree that (i) we may ignore any special notations or instructions on or with the payment and (ii) our crediting any such payment to your 
Account does not mean that we have agreed to any special notations or instructions on or with the payment. 

5. Automatic Payments. We may allow you to repay amounts owed under this Agreement through automatic payments from a savings or 
checking account. We may terminate our permission to make automatic payments at any time. If we allow automatic payments, no automatic 
payment will occur unless the savings or checking account has sufficient collected funds in it on the Business Day before the payment due 
date to cover the full amount of the minimum payment due (or any larger monthly payment you and we may agree to from time to time). If an 
automatic payment does not occur for any reason, you still must pay the minimum payment and a Late Payment Fee may apply. 

If you have authorized us to pay your credit card bill automatically from your checking or savings account with us, you can stop the payment 

on any amount you think is wrong. To stop the payment write to: TD Bank, P.O. Box 84037, Columbus, GA 31908- or call 1-877-
GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other cards. To stop the 
payment, your letter or telephone call must reach us three Business Days before the automatic payment is scheduled to occur.  

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

7. Payment Plus Credit.  If you have a Payment Plus Account, when we receive qualifying payments of at least 5% of the New Balance on a 
Statement on or before the payment due date for that Statement, you will receive a Payment Plus credit. If you pay 5% to 9.99% of your New 
Balance, the credit will equal 25% of the interest charged on your next Statement. If you pay 10% or more of your New Balance, the credit 
will equal 50% of the interest charged on your next Statement. Your Account must be open and in good standing to receive the Payment Plus 
credit. Qualifying payments do not include Payment Plus credits, other credits, adjustments, refunds or similar Account transactions. If your 
Account is in default, you are in a forbearance plan or charging privileges have been revoked, you will not receive a Payment Plus credit. 

H. Additional Cards and Authorized Users. 

1. Additional Cards. You may request additional Cards and permit Authorized Users to have access to your Card or Account. You will be 
liable for all Account transactions made and all fees incurred by those Authorized Users (including without limitation interest charges). We 
may limit the total number of Cards and other Access Devices issued. 

2. Revoking Authorized User’s Authority. To revoke your permission for any person you previously authorized to use your Card or 
Account, notify Customer Service at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, or call us at 1-877-
GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other cards. We reserve the right not to 
discontinue any Authorized User’s ability to use your Account until we have received the Authorized User’s Card and any unused Access 
Devices in the possession or control of the Authorized User (cut, torn, or otherwise deliberately damaged to prevent unauthorized use by third 
parties). You agree to send the Authorized User’s Card and any Access Devices to Customer Service, P.O. Box 84037, Columbus, GA 
31908-4037 upon our request. You will remain responsible for all Account transactions by Authorized Users until we discontinue the 
Authorized User’s authority to use your Account. 

If you ask us to revoke an Authorized User’s ability to use your Account, you agree that we will close the affected card(s) only  to new 
transactions.  Your  Account number will not change. If we do this, you must notify anyone you have authorized to submit and post charges 
to your Account using the affected card.   

I. Lost or Stolen Cards, Account Numbers or Access Devices. If any Card, Account number or Access Device is lost or stolen, or if you 
think someone used or may use them without your permission, notify us AT ONCE by calling 1-877-GO-TD1ST (1-877-468-3178) if you 
have a First Class Visa Signature Card or 1-888-561-8861 for all other cards. You agree that we may close your Account to new transactions, 
change your Account number(s) and issue you a new Card(s) and new Access Devices with different Account number(s) if we have been 

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notified of the possible loss, theft or unauthorized use. If we do this, you must notify anyone you have authorized to submit and post charges 
to your Account of your new Account number(s). Do not use your Card, Account number or Access Device after you notify us, even if your 
Card or other Access Device is later found or returned. 

Under VISA U.S.A.’s “Zero Liability Policy” you may not be liable for the unauthorized use of your Account or Card that results in 
a fraudulent transaction made over the VISA network. To be eligible, you must notify us immediately of any unauthorized use of 
your Account or Card. We will provisionally credit you for losses from the unauthorized Card use within five Business Days of your 
notification to us of the loss. The VISA Zero Liability Policy does not apply to transactions made at an ATM or to any transactions 
made using your PIN that are not processed by VISA. We may impose greater liability, or withhold, delay, limit or rescind any 
provisional credit that we provide to you under the Zero Liability Policy, based on factors such as your gross negligence or fraud, 
your delay in reporting unauthorized use, our investigation and verification of your claim, your Account standing and history and 
other factors. If you are not eligible for the VISA Zero Liability Policy or it otherwise does not apply, you may be liable for 
unauthorized use of your Account, but not for more than $50. You won’t be liable for any unauthorized use of your Account that 
occurs after you notify us of the loss, theft or possible unauthorized use of your Card, Account number or Access Device. We may 
require you to provide certain information in writing to help us find out what happened. You also must identify for us any charges on 
your Statement that were not made by you or someone authorized by you and from which you received no benefit.  

4.  INTEREST CHARGES  

A. Annual Percentage Rates. Annual Percentage Rate or APR means the annual rate of interest charged on Account balances. The APRs 
and corresponding Daily Periodic Rates for your Account are listed in the Interest Rate and Fee Schedule. To get the Daily Periodic Rate, we 
divide the APR by 365 and round at the sixth 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. 

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

D. When Interest Charges Begin. Your due date is at least 25 days after the close of each Billing Cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each Billing Cycle.  Interest charges as a result of the loss of a grace period will 
not be charged if those interest charges are based on any portion of a balance subject to the grace period that was repaid prior to the expiration 
of the grace period.  We will begin charging interest on cash advances and balance transfers on the transaction date.  There is no time period 
in which you may repay a cash advance or balance transfer and avoid imposition of an interest charge. 

E. Balance Calculation Method (Average Daily Balance Method (Including Current Transactions)). In any Billing Cycle in which you 
owe interest, we will charge interest on your balances of purchases, balance transfers and cash advances at the applicable Daily Periodic 
Rates. We figure the interest charge on your Account by applying the periodic rate to the “average daily balance” of your Account. To get the 
“average daily balance”, we take the beginning balance of your Account each day, add any new transactions and fees and subtract any 
payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the Billing Cycle and divide the total by the 
number of days in the Billing Cycle. This gives us the “average daily balance”. We compound (charge interest on) unpaid interest charges 
and unpaid fees. 

F. Minimum Interest Charge. If the total interest charges on your Account for a Billing Cycle are greater than zero but less than $1, the 
interest charge for that Billing Cycle will be $1.  

5. FEES. You agree to pay the fees described below whenever applicable.  

A. Annual Membership Fee. If your Account has an Annual Membership Fee, it will be billed each year, whether or not you use your 
Account. The amount is listed in the Interest Rate and Fee Schedule. Your payment of the Annual Membership Fee does not affect our right 
to close your Account or limit your right to make transactions on your Account.  

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B. Cash Advance and Balance Transfer Transaction Fees.  

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1. Cash Advance and Balance Transfer Transaction Fees. We will charge a transaction fee on each cash advance and balance transfer you 
obtain in the amounts shown in the Interest Rate and Fee Schedule. 

2.  Foreign Transaction Fee.  If your Account has a Foreign Transaction Fee, we may impose a fee equal to a certain percentage of the U.S. 
Dollar amount of a foreign transaction as shown in the Interest Rate and Fee Schedule.   

C. Late Payment Fee. The first time we do not receive a required minimum payment when due, we may charge a Late Payment Fee of the 
minimum payment due or $25, whichever is less.  If over the next six Billing Cycles, the minimum payment is not received when due, we 
may charge a Late Payment Fee of the minimum payment due or $35, whichever is less.  

D. Other Fees. We may also charge the following fees, subject to any restrictions of applicable law. 

1. Copy Fees. We may charge you a fee of up to $7 for each copy of a Statement or sales draft you request or up to $5 for each copy of a 
payment check or written Access Device you request. However, we will not charge you for copies of documents that you request in 
connection with a billing error/inquiry you may assert against us under applicable law.  

2. Same Day Telephone Payment Processing Fee. 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. If you speak with a TD Bank customer service representative and authorize us to process 
any such single telephone payment after 5 p.m. Eastern Time and credit the payment to your Account the same day, you agree that we may 
deduct the payment amount from your designated bank account and charge a Payment Processing Fee to your Account. The amount of the fee 
will be disclosed at the time of your request.  

3. 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. 

4. Stop Payment Fee. If you ask us to stop payment on an Access Device, we may charge you a Stop Payment Fee of $39. 

6.  DEFAULT 

A. Events of Default.  Subject to restrictions of applicable law, you will be in default and we will not be obligated to honor any attempted 
use of your Account (even if we do not give you advance notice) if any of the following events occurs: 

•  We do not receive any payment required by this Agreement when such payment is due. 
•  You exceed any credit limit. 
•  You are unwilling or unable to pay what you owe under this Agreement, for any reason.   
•  You die, become insolvent, file for bankruptcy or otherwise become the subject of a bankruptcy petition or filing. 
•  You give us false or misleading information at any time in connection with your Account. 
•  You send us more than one check or similar instrument that is returned to us unpaid or any automatic, electronic or other payment 

on your Account cannot be processed or is returned unpaid, for any reason, within the last six Billing Cycles. 

•  You breach or otherwise fail to comply with any term or condition of this Agreement. 
•  We have reason to suspect that you or any Authorized User may have engaged or participated in any unusual, suspicious, fraudulent 

or illegal activity on your Account or any other account or loan you have with us or our affiliates. 

•  You do not give us any updating information about your finances, employment or any other information we may reasonably 

request, promptly after our request. 

B. Our Rights After Default. In the event of default, we may close your Account, require you to pay the unpaid balance in full or take any 
other action permitted by applicable law. 

C. Collection Costs. If we refer any past due amounts you owe under this Agreement to a collection agency or lawyer for collection, you 
agree to pay us our reasonable costs of collection, including without limitation collection agency fees, court costs and attorneys’ fees actually 
incurred by us, to the fullest extent permitted by applicable law. 

7. CLOSING YOUR ACCOUNT 

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

B. You May Ask Us to Close Your Account. You may ask us to close your Account to new transactions at any time by notifying Customer 
Service in writing at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, or contacting us at 1-877-GO-TD1ST 

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(1-877-468-3178) if you have a First Class Visa Signature Card or at 1-888-561-8861 for all other cards. If you request to close your Account 
by phone, we may require a written notice from you.  

C. After Your Account is Closed. After your Account is closed, you still must pay us any unpaid amounts under this Agreement. We will 
not be liable to you for any consequences resulting from closing your Account. You agree to cut, tear or otherwise deliberately damage all 
Cards and unused Access Devices in your or any Authorized User’s possession or control to prevent unauthorized use by third parties and, 
upon our request, return such Cards or Access Devices to us at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage 
prepaid. 

8. CHANGING THIS AGREEMENT. We may change this Agreement, including (for example) changing the addresses and telephone 
numbers you should use to contact us, changing fees, adding new fees, changing the Daily Periodic Rates and corresponding APRs or 
increasing your required minimum payment. We may change this Agreement based on economic or market conditions, our business strategies 
or for any other reason (including reasons unrelated to you or your Account). Any changes we make to this Agreement may apply to new 
transactions and/or then-existing balances as described in any notice we are required to provide to you. We will notify you of changes to this 
Agreement as required by applicable law. We will mail any required written notice to the address we have on file for your Account. 

9. INFORMATION SHARING 

A. Credit Information. We may review your credit history by obtaining information from consumer reporting agencies and others. We may 
report information about your Account to credit bureaus. Late payments, missed payments or other defaults on your Account may be reflected 
in your credit report. We may report Account information on Authorized Users. 

B. How to Dispute Reports Regarding Your Account. If you think the information we furnished to consumer reporting agencies on your 
Account is not accurate please write to us at: P.O. Box 84037, Columbus, GA 31908-4037. With your letter, please provide us with: 

•  Your name, address and telephone number;  
•  The Account number(s) for the Account(s) you are disputing;  
•  A description of the specific information you are disputing and an explanation of the basis for your dispute; and  
•  Copies of documents that support your dispute. These could include (but are not limited to): a copy of your consumer report showing 
the information that you are disputing, your Statements, a court order or (if applicable) a copy of a police report or fraud or identity 
theft affidavit. 

If you fail to provide us with the information listed above, we may be unable to investigate your dispute.  We will notify you of the results of 
our investigation within 30 days of receiving your dispute. A delay may be experienced if the dispute is not mailed to the address above. We 
may take up to 45 days to investigate your dispute if, after providing us with your initial notice of dispute, you provide us with additional 
information that is relevant to our investigation. If our investigation finds that the information you are disputing was inaccurate, we will 
notify the consumer reporting agency of our determination and provide the consumer reporting agency with the information necessary to 
correct the inaccuracy.  

We will have no duty to investigate disputes that are substantially similar to a prior dispute that we have responded to, or that relate to your 
identifying information (such as your name, date of birth, Social Security number, telephone number or address), inquiries appearing on your 
consumer report, information from public records (such as judgments, liens, or bankruptcies, unless these matters relate to your Account(s) 
with us), information related to fraud or active duty alerts on your report, or information provided to the consumer reporting agency from 
someone other than us. We will also have no duty to investigate your dispute if we reasonably believe it was submitted or prepared by (or if 
you submitted it on a form provided by) a credit repair organization. If we determine that we will not investigate your dispute for one of these 
(or some other) reasons we will notify you of that determination within five Business Days. 

C. Telephone Monitoring and Recording. You consent to and authorize us and any of our affiliates, agents and marketing associates to 
monitor and/or record any of your telephone conversations with any of our or their representatives for quality control, training and other 
lawful purposes. 

D. Telephone Numbers. 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, subject to any restrictions of applicable law. 

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 

       F03-M803-1-0113    

 
 
 
 
 
 
 
 
    
 
 
 
 
 
8 

such benefits or services. You also agree that we or any third party providing any Account-related benefits or services may change, add, or 
delete benefits or services at any time without notice.  

10. MISCELLANEOUS 

A. Certain Waivers. You waive the right of “presentment” and “notice of dishonor.” “Presentment” means the right to require us to demand 
payment of amounts due under this Agreement. “Notice of dishonor” means the right to require us to give notice to other persons that 
amounts due under this Agreement have not been paid. You also waive demand for payment, protest, notice of protest and all other notices 
and demands, to the fullest extent permitted by applicable law. 

B. Assignment. We may assign your Account and our rights under this Agreement to our affiliates or to some other financial institution or 
company without advance notice to you. That entity will take our place in this Agreement if we do this. You may not assign or transfer your 
Account or any of your responsibilities under this Agreement to any other person. 

C. No Security. Your Account is unsecured. We are not taking a security interest in any property in connection with your Account.  

D. Evidence. You agree that we may use a copy, microfilm, microfiche or digital image of any Statement or other document to prove what 
you owe us and that the copy, microfilm, microfiche or digital image will have the same validity as the original.  

E. Captions and Interpretation. The captions used in this Agreement are for convenience only. They do not affect the meaning of the 
paragraphs in this Agreement.  

F. Severability. If any part of this Agreement is held to be invalid, the rest will remain in effect. 

G. Delay in Enforcement/No Waiver. We may delay or waive enforcing any of our rights or remedies under this Agreement or under 
applicable law without losing any of those rights or remedies. Even if we do not enforce our rights or remedies at any one time, we may 
enforce them at a later time.  

H. Entire Agreement. The Agreement is the entire agreement between you and us relating to your Account. The Agreement replaces any 
other agreement relating to your Account that you and we made earlier or at the same time. In the event of a conflict between this Personal 
Credit Card Agreement and any other document (including the other documents that are collectively called the Agreement), this Personal 
Credit Card Agreement will control unless otherwise expressly provided in the other document. 

Your Billing Rights: Keep This Document For Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find a Mistake on Your Statement 

If you think there is an error on your bill, write to us at: 
TD Bank 
P.O. Box 84037 
Columbus, GA 31908-4037 
In your letter, give us the following information: 
•  Account information:  Your name and Account number. 
•  Dollar amount:  The dollar amount of the suspected error. 
•  Description of problem:  If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a 

mistake. 

You must contact us: 
•  Within 60 days after the error appeared on your bill. 
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
You must notify us of any potential errors in writing.  You may call us, but if you do we are not required to investigate any potential 

errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
  When we receive your letter, we must do two things: 

1.  Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we  received  your  letter.    We  will  also  tell  you  if  we  have  already 

corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.   

  While we investigate whether or not there has been an error: 

•  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: 

       F03-M803-1-0113    

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
9 

• 
• 

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

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to 
pay.  If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.  We must tell you the name of 
anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  

If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with a credit card, and you have tried in good faith to correct 

the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.   

To use this right, all of the following must be true: 
1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price 
must have been more than $50.00.  (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, 
or if we own the company that sold you the goods or services.) 

2.    You  must  have  used  your  credit  card  for  the  purchase.    Purchases  made  with  cash  advances  from  an  ATM  or  with  a  check  that 

accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
TD Bank 
P.O. Box 84037 
Columbus, GA 31908-4037 

While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will tell 

you our decision.  At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.   

       F03-M803-1-0113    

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INTEREST RATE AND FEE SCHEDULE  

10 

Interest Rates and Interest Charges  
Annual Percentage Rate (APR) 
for Purchases:  

    Easy Rewards and Cash Rewards  
  9.24% to 23.24%, based on your creditworthiness.   

     All APRs will vary with the market based on the Prime Rate.  

   Payment Plus 
  21.24% 

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

   First Class 

13.24%  

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

   Easy Rewards and Cash Rewards  
0% Introductory APR for 12 months after Account opening.  
      After that, your variable APR will be 9.24% to 23.24% based on your 
creditworthiness.  

      All APRs will vary with the market based on the Prime Rate. 

Payment Plus 
0% Introductory APR for 12 months after Account opening.  
      After that, your APR will be 21.24%.  

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

First Class 

0% Introductory APR for 12 months after Account opening.   
    After that, 13.24%. This APR will vary with the market based on the Prime Rate.  

23.24% 
      This APR will vary with the market based on the Prime Rate.  
Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month. Interest 
Charges will begin to accrue on Balance Transfers and Cash Advances as of the transaction 
date or Activity Date. 

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 

APR for Balance Transfers:  

APR for Cash Advances:  

How to Avoid Paying 
Interest on Purchases:  

Minimum Interest Charge:  

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau:  
Fees  

Annual Fees:  

Easy Rewards, Cash Rewards and Payment Plus  -   None  

First Class - $0 introductory for the first year, then $89 

Transaction Fees (Easy 

Rewards, Cash Rewards and 

Payment Plus):  

• Balance Transfers 

• Cash Advances 

• Foreign Transactions 

Transaction Fees (First Class): 

• Balance Transfers  

• Cash Advances 

• Foreign Transactions 

Either $10 or 4% of the amount of each transfer, whichever is greater. 

Either $10 or 5% of the amount of each cash advance, whichever is greater. 

3% of each transaction in U.S. dollars.  

Either $10 or 3% of the amount of each transfer, whichever is greater. 

Either $10 or 3% of the amount of each cash advance, whichever is greater. 

None 

Penalty Fees:  

• Late Payment  

  Up to $35.  

       F03-M803-1-0113    

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
11 

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. 

Easy Rewards and Cash Rewards Margins:   

 For Purchases, 5.99% to 19.99% will be added to the Index 
 For Balance Transfers, 5.99% to 19.99% will be added to the Index 
 For Cash Advances, 19.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of February 1, 2013 are:  
                    For Purchases, 0.025315% to 0.063671% 

For Balance Transfers, 0.025315% to 0.63671% 
For Cash Advances, 0.063671% 

Payment PlusMargins:      

 For Purchases, 17.99% will be added to the Index 
 For Balance Transfers, 17.99% will be added to the Index 
 For Cash Advances, 19.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of February 1, 2013 are:  
                    For Purchases, 0.058192% 

For Balance Transfers, 0.058192% 
For Cash Advances, 0.063671% 

First Class Margins:   

 For Purchases, 9.99% will be added to the Index 
 For Balance Transfers, 9.99% will be added to the Index 
 For Cash Advances, 19.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of February 1, 2013 are:  
                    For Purchases, 0.036274% 

For Balance Transfers, 0.036274% 
For Cash Advances, 0.063671% 

Index:     

Prime Rate as of February 1, 2013 is 3.25%  

       F03-M803-1-0113