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Personal Credit Card Agreement 
TD Cash Secured  

1.  INTRODUCTION. Your TD Bank VISA®∗
 Card account (“Credit Card 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 a Credit Card Account for you. 
This  Personal  Credit  Card  Agreement,  the  Interest  Rate  and  Fee  Schedule  and  the  application  or  solicitation  you  submitted  for  this 
Credit Card 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 Credit Card 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.    

A. Credit Card Account Use and Acceptance. By accepting your Card and using or maintaining your Credit Card Account, or letting 
someone else use your Card or your Credit Card 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, solicitation, back of the credit card or Collateral Account Deposit 
Agreement for this Credit Card Account, including without limitation any electronic signature or oral acceptance of a telephone offer or in 
store application, your Card or any Credit Card Account-related document represents your signature on this Agreement. 

You  agree  that  you  will  not  use  your  Card  or  Credit  Card  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 Credit Card Account, plus interest charges and all other fees and charges owed under this Agreement. 

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 Credit 
Card 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. COLLATERAL ACCOUNT AND SECURITY AGREEMENT 

A. Collateral Account.  You understand and agree that you established and will maintain an individual TD Bank savings account (the 
“Collateral Account”) in your name to secure repayment of your Credit Card Account. You deposited and will maintain an amount that 
equals your Credit Card Account credit limit in the Collateral Account. The Collateral Account serves as the security deposit funds for 
your Credit Card Account.  You have up to fifteen (15) business days from approval to provide the funds to match the limit of your credit 
account.  The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit 
for your Credit Card Account. Depositing funds greater than your approval amount will not increase your credit limit and you may not 
have access to those funds once the Collateral Account is locked. The total amounts deposited and maintained in the Collateral Account 
at any time and any interest earned thereon shall be referred to as the “Funds”.  You agree to sign all applications and documents that 
we may request from time to time that show that you have granted and assigned to us the security interest in the Collateral Account. 

B. Security Agreement.  As of the date you established the Collateral Account and provided the Funds, you agree as follows (terms not 
defined  in  this  section  3.B.  (the  “Security  Agreement”)  have  the  same  meaning  that  such  terms  have  in  the  remainder  of  this 
Agreement): 
1. Collateral.  You understand and agree that you have provided Funds to serve as security for your Credit Card Account. All Funds will 
be held in the Collateral Account. If the Collateral Account is amended, extended, renewed or  

∗ 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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closed and replaced for any reason, the resulting Collateral Account will be deemed the Collateral Account for purposes of this Security 
Agreement. You may not use any portion of the Collateral Account to secure other loans. 

2. No Withdrawals.  You agree not to make withdrawals from the Collateral Account while the Funds are used as collateral to secure 
the obligations to us that you incur in connection with your Credit Card Account.   

3. Pledge and Grant of Security Interest.  Your obligations to us under the Agreement and this Security Agreement and any expenses 
that we incur in enforcing your obligations under the Agreement and this Security Agreement, where permitted by applicable law, are 
collectively referred to as “Obligations.” You hereby pledge and grant to us a security interest in the Funds for the purpose of securing 
your Obligations. You irrevocably and unconditionally relinquish all possession and control over and pledge and assign as security to us 
all of your right, title and interest in and to any and all Funds. You agree to take any actions we request to perfect or protect the first lien 
position of our security interest in the Funds.     

4. Legal Proceedings.  You represent that there are no current lawsuits or bankruptcy proceedings that might affect our interest in the 
Funds. You have not and will not attempt to transfer any interest in the Funds to any person other than us. 

5.  Our  Actions.    We  will  maintain  records  to  account  for  the  Funds.  We  may  pay  interest  on  the  Funds  if  the  Collateral  Account 
established is an interest bearing account. Such interest will be added to the Collateral Account and will constitute proceeds securing 
your Obligations. 

6.  Default.    You  will  be  in  default  under  this  Security  Agreement  if  you  are  in  default  in  any  respect  as  defined  in  the  Agreement, 
including failing to pay your Obligations at any time when due. Upon any such default, you hereby authorize us to withdraw Funds from 
the Collateral Account and to apply such amounts to your Obligations without additional notice or demand for payment. The foregoing 
rights will be in addition to all other rights we have under the law or the Agreement. 

7. Application of Funds to Your Credit Card Account.  If you or we close your Credit Card Account, or if you are in default under the 
Agreement, we may apply the Funds towards any outstanding Obligations. You will not be considered to have made a payment on your 
Credit  Card  Account  because  we  have  applied  funds  from  the  Collateral  Account  to  your  Credit  Card  Account.  If  you  have  any 
outstanding Obligations after the Funds are applied, you will be responsible for the repayment of such amounts, and we may continue to 
report your Credit Card Account as delinquent. 

8. Applicable Law; Assignment.  This Security Agreement and our security interest and rights as pledged hereunder will be governed 
by the laws of the State of Delaware. We may, in our sole discretion, assign our rights and obligations under this Security Agreement. 

9. Personal Deposit Account Agreement.  You acknowledge that the provisions of the TD Bank Personal Deposit Account Agreement 
you  received  when  you  established  the  Collateral  Account  (the  “Deposit  Account  Agreement”)  apply  to  the  Collateral  Account.  If  a 
provision of the Deposit Account Agreement conflicts with this Security Agreement, this Security Agreement will prevail. 

C.  Eligibility  for  an  Unsecured  Card.  If  you  use  and  maintain  a  Credit  Card  Account  for  7  consecutive  Billing  Cycles  without 
committing  an  act  of  default  pursuant  to  the  Agreement  you  may  be  eligible  to  graduate  to  an  unsecured  TD  Bank  credit  card 
automatically.    This  means  that your  savings  account  that  secured  the  credit  card  will  be released  so  you  will  have  access  to  these 
funds.  Upon graduation, a prorated refund of the annual fee will be given to you and it will appear on a subsequent monthly statement.  
Your credit limit and your APR will remain the same. Your account will automatically be reviewed once you meet the threshold eligibility 
requirements.  If you are not graduated at your first review, your account will automatically be reviewed on an ongoing basis thereafter to 
determine if you have become eligible for an unsecured account.  If you meet the requirements you will be notified of the impending 
automatic  graduation  and  you  will  have  the  opportunity  to  opt  out  of  the  graduation  and  maintain  your  secured  account  by  calling 
Customer Service at 1-888-561-8861.  If you chose to keep your secured account, you will have to complete a new application to be 
considered for an unsecured card in the future. All other terms and conditions remain the same. 

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4. USING YOUR CREDIT CARD ACCOUNT 

A. Credit Limit.  

1. General. Your initial credit limit is shown in the Agreement disclosure materials we send with your Card when we open a Credit Card 
Account for you. Your current credit limit will be shown on each Statement. You also may telephone Customer Service at 1-888-561-
8861 for your current credit limit. You agree to not go over your credit limit.   We may permit you to go over your credit limit, but we are 
not required to do so. If your Credit Card 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 Credit Card Account.  

3. Changes to Credit Limit. In our discretion, at any time, we may change any credit limit that applies to your Credit Card 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 1-888-561-8861. We do 
not have to agree to any such request.   

B. Types of Transactions. 

1. Purchases. You may use your Card to pay for the purchase or lease of goods or services wherever your Card is honored. If you use 
your  Card  to  purchase  or  lease  goods  or  services  by  telephone,  mail  or  internet,  you  agree  that  your  signature  is  not  necessary  as 
identification in such cases.  

2. Cash Advances. You may use your Card to obtain cash advances wherever your Card is honored for cash advances. 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 or consecutive numbers (for example, “1111”). PINs should 
also not be based on or include your birth date, zip code or Credit Card 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 Rates 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  Credit  Card  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 Rates and Fee Schedule on the card 
mailer for Balance Transfer fee details. 

Introductory  or  Promotional  APRs  on  Balance  Transfers:  We  may  from  time  to  time  make  available  certain  promotional  Annual 
Percentage Rate (APRs) on balance transfer transactions. See Section 4 – Interest Charges subsection D for details on how to 
avoid paying interest on new purchases if you take advantage of a 0% introductory or promotional APR Balance Transfer offer.  
4.  Access  Devices.  We  may  from  time  to  time  issue  additional  Credit  Card  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  Credit  Card  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 Credit Card 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 1-888-561-8861. 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. 

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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 agree that you have no legal claims or damages against us or anyone else if your use of your Credit Card 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 Credit Card 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 Credit Card 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 Credit Card 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 1-888-561-8861.  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 Credit Card Account. 

F.  Credit  Balance.  We  will  make  a  good  faith  effort  to  return  to  you  any  credit  balance  that  has  been  on  your  Credit  Card  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  Credit  Card  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 Credit Card  Account by 
applying the credit balance towards new fees and charges posted to your Credit Card 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) 

(ii) 

$35, or  

One percent (1%) of the New Balance plus: 

(a) 

(b) 

(c) 

The periodic interest charges for the Billing Cycle; plus 

The full amount of any transaction fees (such as Cash Advance, Balance Transfer and Foreign 
Transaction Fees) owed for the Billing Cycle; plus 

The  full  amount  of  any  Annual  Membership  Fee,  Late  Payment  Fee  or  other  applicable  fees 
owed.  

In addition, any past due minimum payment amounts will be added to your current minimum payment due. 

If your New Balance is less than $35, your minimum payment will equal your New Balance. 

Credits, adjustments, refunds, prepayments and similar Credit Card 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. 

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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 
Credit Card 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 Credit Card Account as of the next Business Day. You agree to not give us any post-dated check as payment on your 
Credit Card 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  Credit  Card 
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 Credit Card 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 Credit Card 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 1-888-561-8861. A payment made by phone will be credited to your Credit 
Card 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 Credit Card 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 Credit Card 
Account.   

3. Application of Payments.  

a. Generally.  We will generally apply your minimum payment in the following order: 
(i) 
(ii) 

to Interest Charges and other fees; 
to  transactions  (purchases,  balance  transfers,  cash  advances)  with  the  lowest  Daily  Periodic  Rates  and 
corresponding APRs; 
to transactions with the highest Daily Periodic Rates and corresponding APRs. 

(iii) 

b. Application of Payments in Excess of Minimum Payment.  We will generally apply your payments and credits in excess 
of the minimum payment in the following order: 
(i) 

to  transactions  (purchases,  balance  transfers,  cash  advances)  with  the  highest  Daily  Periodic  Rates  and 
corresponding APRs; 
to transactions with the lowest Daily Periodic Rates and corresponding APRs.  

(ii) 

4.  Payments  Marked  “Paid  in  Full”.    Any  check,  money  order  or  other  instrument  sent  in  payment  on  your  Credit  Card  Account 
marked  with  “paid  in  full”  or  similar  notation  to  settle  a  debt  on  your  Credit  Card  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 Credit Card 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. 

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If you have authorized us to pay your credit card bill automatically from your checking or savings account with us, you  
can  stop  the  payment  on  any  amount  you  think  is  wrong.  To  stop  the  payment  write  to:  TD  Bank,  P.O.  Box  84037,  Columbus,  GA 
31908-4037 or call 1-888-561-8861. To stop the payment, your letter or telephone call must reach us 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. 

H. Additional Cards. We may limit the total number of Cards and other Access Devices issued. 

I. Lost or Stolen Cards, Credit Card Account Numbers or Access Devices. If any Card, Credit 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 1-888-
561-8861. You agree that we may close your Credit Card Account to new transactions, change your Credit Card Account number and 
issue you a new Card(s) and new Access Devices with a different Credit Card Account number 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 Credit 
Card Account of your new Credit Card Account number. Do not use your Card, Credit 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 Credit Card 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 Credit Card 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 Credit Card 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 Credit Card Account, but 
not for more than $50. You won’t be liable for any unauthorized use of your Credit Card Account that occurs after you notify us 
of the loss, theft or possible unauthorized use of your Card, Credit 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.  

5. INTEREST CHARGES  

A.  Annual  Percentage  Rates.  Annual  Percentage  Rate  or  APR  means  the  annual  rate  of  interest  charged  on  Credit  Card  Account 
balances.  The  APRs  and  corresponding  Daily  Periodic  Rates  for  your  Credit  Card  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 Credit Card 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.  See  Section  4  –  Interest  Charges, subsection D for details on how to avoid paying interest on new 
purchases if you take advantage of a  0% introductory or promotional APR Balance Transfer offer..   

D. When Interest Charges Begin. Your payment due date is at least 25 days after the close of each Billing Cycle.  We will not charge 
you  interest  on  new  purchases  if  you  pay  your  entire  balance  in  full  by  the  payment  due  date  each  Billing  Cycle.  We  will  begin 

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charging interest on cash advances and balance transfers on the transaction date.  There  is  no  time  period  in  which  you  may  repay a 
cash  advance  or  balance  transfer  and  avoid  imposition  of  an 
interest  charge  If  you  have  a  balance  transfer  balance  on  your 
Account  that  is  subject  to  a  0%  introductory  or  promotional APR we will  not  charge you  interest  on  new  purchases  during  the 
term  of  the  introductory  or  promotional  offer  if  you  pay  by  the  payment  due  date  of  each  Billing  Cycle  the  amount  that  equals: 
(1)  your  Minimum Payment Due; plus (2) the total outstanding purchase balance; plus (3) the total outstanding cash advance  balance; 
plus (4) the total amount of outstanding balance transfer balances that are not subject to the 0%  introductory or promotional APR; plus 
(5) plus any fees that had been assessed to the Account. 

E. Balance Calculation Method (Average Daily Balance Method (Including Current Transactions)).  
In  any  Billing  Cycle  in  which  you  owe  interest,  we  will  charge  interest  on  your  balances  of  purchases,  balance  transfers  and  cash 
advances at the applicable Daily Periodic Rates. We calculate the interest charge on your Credit Card Account by applying the periodic 
rate to the “average daily balance” of your Credit Card Account. To get the “average daily balance”, we take the beginning balance of 
your Credit Card 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 Credit Card Account for a Billing Cycle are greater than zero but less 
than $1, the interest charge for that Billing Cycle will be $1.  

6. FEES. You agree to pay the fees described below whenever applicable.  

A. Annual Membership Fee. If your Credit Card Account has an Annual Membership Fee, it will be billed each year, whether or not you 
use your Credit Card 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 Credit Card Account or limit your right to make transactions on your Credit Card Account.  

B. Cash Advance and Balance Transfer Transaction Fees.  
1.  Cash  Advance  and  Balance  Transfer  Transaction  Fees.  We  will  charge  a  transaction  fee  on  each  cash  advance  and  balance 
transfer you obtain in the amounts shown in the Interest  Rate and Fee Schedule.  Any applicable cash advance or balance transfer 
transaction fees will be added to your minimum payment amount which will be due on the payment due date specified on that statement. 

2.  Foreign  Transaction Fee.    If  your  Credit  Card  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.  Foreign Transactions 
are subject to a transaction fee (see above) and the Foreign Transaction Fee charge will appear on your first monthly billing statement 
following the foreign transaction, and that applicable Foreign Transaction fee amount will be added to your minimum payment amount 
which will be due on the payment due date specified on that statement.  

C. Late Payment Fee. The first time we do not receive a required minimum payment when due, we may charge a Late Payment Fee of 
the minimum payment due or $25, whichever is less. If over the next six Billing Cycles, the minimum payment is not received when due, 
we may charge a Late Payment Fee of the minimum payment due or $35, whichever is less.  

D. Other Fees. We may also charge the following fees, subject to any restrictions of applicable law. 

1. Copy Fees. We may charge you a fee of up to $7 for each copy of a Statement or sales draft you request or up to $5 for each copy of 
a payment check or written Access Device you request. However, we will not charge you for copies of documents that you request in 
connection with a billing error/inquiry you may assert against us under applicable law.  

2. Emergency Replacement Card Fee. If you request a replacement Card on an expedited basis (for example, to replace a lost or 
stolen Card), we may charge you an Emergency Replacement Card Fee of up to $25. 

3. Stop Payment Fee. If you ask us to stop payment on an Access Device, we may charge you a Stop Payment Fee of $39. 
7. 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 Credit Card 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.  
•  A levy is placed on the Collateral Account. 
•  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. 

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•  You give us false or misleading information at any time in connection with your Credit Card 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 Credit Card 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 may have engaged or participated in any unusual, suspicious, fraudulent or illegal activity 

on your Credit Card 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 Credit Card Account, require you to pay the unpaid balance in 
full or take any other action permitted by applicable law, including the application of funds in your Collateral Account to your outstanding 
Credit Card Account balance pursuant to this Agreement. 

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. 

8. CLOSING YOUR CREDIT CARD & COLLATERAL ACCOUNT 

A. We May Close Your Credit Card Account. Except where prohibited by applicable law, we may close your Credit Card Account to 
new transactions at any time, for any reason and without prior notice. 

B.  We may Close Your Collateral Account.  You may not close your Collateral Account while your Credit Card Account is open.  If 
your Credit Card Account is closed for any reason, we will release the holds on any remaining funds and you may access those funds by 
coming into a store.  At such time the account will no longer be a Collateral Account.   

If  after  your  Credit  Card  Account  is  closed  if  you  do  not  have  any  account  activity  in  your  Collateral  Account  your  account  may  be 
considered abandoned.  See your Deposit Account Agreement for details. 

C. You May Ask Us to Close Your Credit Card Account. You may ask us to close your Credit Card 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 1-888-561-8861. If you request to close your Credit Card Account by phone, we may require a written notice from you.  

D. After Your Credit Card Account is Closed. After your Credit Card 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 Credit Card Account. You agree to 
cut, tear or otherwise deliberately damage all Cards and unused Access Devices in your 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. 

9. 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  Credit  Card  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 Credit Card 
Account. 

10. 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 Credit Card Account to credit bureaus. Late payments, missed payments or other defaults on your 
Credit Card Account may be reflected in your credit report.  

B. How to Dispute Reports Regarding Your Credit Card Account. If you think the information we furnished to consumer reporting 
agencies on your Credit Card 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 Credit Card Account number(s) for the Credit Card Account(s) you are disputing; A description of the specific information 
you are disputing and an explanation of the basis for your dispute; and  

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•  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 Credit Card 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. Credit Card Account Benefits. We may offer you certain third-party benefits and services with your Credit Card Account, as outlined 
in benefits brochures or other documents and internet web sites. For example, certain eligible purchases charged with a VISA® Platinum 
Card  may  be  eligible  for  certain  benefits  or  services  through  VISA  U.S.A.  Inc.  (or  its  affiliates).  Any  benefits  or  services  we  make 
available through third parties (including without limitation VISA U.S.A. Inc.) are not a part of this Agreement, but are subject to the terms 
and restrictions outlined in the applicable benefits brochures or other documents or internet web sites provided or made available to you 
from  time  to  time.  You  agree  that  we  may  give  information  about  you  and  your  Credit  Card  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 Credit 
Card Account-related benefits or services may change, add, or delete benefits or services at any time without notice.  

11. 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  Credit  Card  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 Credit Card Account or any of your responsibilities under this Agreement to any other person. 

C. 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.  

D. Captions and Interpretation. The captions used in this Agreement are for convenience only. They do not affect the meaning of the 
paragraphs in this Agreement. In this Agreement, use of the singular includes the plural and use of the plural includes the singular.  

E. Severability. If any part of this Agreement is held to be invalid, the rest will remain in effect. 

F. 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.  

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G.  Entire  Agreement.  The  Agreement  is  the  entire  agreement  between  you  and  us  relating  to  your  Credit  Card  Account.  The 
Agreement replaces any other agreement relating to your Credit Card 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: 

•  Credit Card Account information:  Your name and Credit Card 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: 
• 
• 

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: 

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TD Bank 
P.O. Box 84037 
Columbus, GA 31908-4037 

While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we 

will tell you our decision.  At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.   

Active Duty Service Members and Dependents: The following important notice applies if you are an active duty service member or a 
dependent of one at the time you request an Account. Federal law provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces 
and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit 
transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit 
transaction;  any  application  fee  charged  (other  than  certain  application  fees  for  specified  credit  transactions  or  accounts);  and  any 
participation fee charged (other than certain participation fees for a credit card account). If you would like more information regarding 
your account, please call us at 877-488-3712. 

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               The Interest Rate and Fee Schedule is incorporated into and made a part of your Personal Credit Card Agreement. 
                                       Please read and keep this Schedule with your Agreement for your records. 

Interest Rate and Fee Schedule 

Interest Rates and Interest Charges  
Annual Percentage Rate (APR) 
for Purchases 

 23.99% 
   This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers  

   23.99% 

APR for Cash Advances  

How to Avoid Paying Interest 
on  
Purchases  
Minimum Interest  
Charge  
For Credit Card Tips from the 
Consumer Financial 
Protection Bureau  
Fees  
Annual Fee  
Transaction Fees  

• Balance Transfers  

• Cash Advances  

• Foreign Transactions 

Penalty Fees  

• Late Payment  

   This APR will vary with the market based on the Prime Rate. 
 24.24% 
   This APR will vary with the market based on the Prime Rate.  
Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay your entire balance by the 
due date each month.  
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection Bureau 
at http://www.consumerfinance.gov/learnmore. 

$29  

Either $5 or 3% of the amount of each transfer, whichever is greater. 
Either $10 or 5% of the amount of each cash advance, whichever is 
greater. 
None.  

  Up to $35 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance  
(including Current Transactions).” See your account agreement for more details. 

Billing Rights:  Information about your rights to dispute transactions and how to exercise those rights is  
provided in your account agreement. 

Margins:   

 For Purchases, 19.74% will be added to the Index 
 For Balance Transfers, 19.74% will be added to the Index 
 For Cash Advances, 19.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of July 25, 2017 are:  
                    For Purchases, 0.0657260 

For Balance Transfers, 0.0657260% 
For Cash Advances, 0.0664110% 

      Index:   Prime Rate as of July 25, 2017 is 4.25%  

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