106733  04/25/13  9:36 AM  Page 1

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

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

B. Cash 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.

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  (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 Credit Card 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  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 the 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

1.

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

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explain to you why we believe the bill is correct. 
While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on

that amount.

• The charge in question may remain on your bill, and we may continue to charge

you interest on that amount.

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

the remainder of your balance. 

• We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any

interest or other fees related to that amount.

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

If you receive our explanation but still believe your bill is wrong, you must write to us
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you
as delinquent without also reporting that you are questioning your bill. We must tell you
the name of anyone to whom we reported you as delinquent, and we must let those
organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50.00 of the
amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with a credit
card, and you have tried in good faith to correct the problem with the merchant, you may
have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true:

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

2. You must have used your credit card for the purchase. Purchases made with
cash advances from an ATM or with a check that accesses your credit card
account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact
us in writing at:
TD Bank
P. O. Box 84037
Columbus, GA 31908-4037

While we investigate, the same rules apply to the disputed amount as discussed above.
After we finish our investigation, we will tell you our decision. At that point, if we think
you owe an amount and you do not pay, we may report you as delinquent. 

Personal Credit Card Agreement

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. 

* 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.

 
106733  04/25/13  9:36 AM  Page 2

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

1. Purchases.  You  may  use  your  Card  to  pay  for  the  purchase  or  lease  of
goods or services wherever your Card is honored. If you use your Card to
purchase  or  lease  goods  or  services  by  telephone,  mail  or  internet,  you
agree that your signature is not necessary as identification in such cases. 
2. Cash 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 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)
(ii) One percent (1%) of the New Balance plus:

$35, or 

(a) The periodic interest charges for the Billing Cycle; plus
(b) 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)

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

(iii)

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

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

(ii)

4. Payments  Marked  “Paid  in  Full”.  Any  check,  money  order  or  other
instrument sent in payment on your Account marked with “paid in full” or
similar  notation  to  settle  a  debt  on  your  Account  that  is  reasonably  in
dispute (and any accompanying letter or other instructions) must be sent
to:  TD  Bank,  P.O.  Box  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 31908-4037 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 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

4.

Device. We may require you to provide certain information in writing to
help us find out what happened. You also must identify for us any charges
on your Statement that were not made by you or someone authorized by
you and from which you received no benefit.

INTEREST CHARGES.
A. Annual Percentage Rates. Annual Percentage Rate or APR means the annual
rate of interest charged on Account balances. The APRs and corresponding
Daily Periodic Rates for your Account are listed in the Interest Rate and Fee
Schedule. To get the Daily Periodic Rate, we divide the APR by 365 and round
at the seventh place after the decimal point. We may charge different Daily
Periodic  Rates  and  APRs  on  different  Account  transactions  (such  as
purchases,  cash  advances  and  balance  transfers)  or  during  special
promotional periods.

B. Variable Rates. Your APRs are subject to change each Billing Cycle and are
determined each Billing Cycle by adding the Margins listed in the Interest Rate
and Fee Schedule to the Index. The Index is the Prime Rate (U.S.) published
in  the  Money  Rates  section  of  The  Wall  Street  Journal.  Your  APRs  may
increase if the Index increases. If any APR increases, the amount of interest
charged and your minimum payment may increase. Any change in the APRs
will take effect on the first day of the Billing Cycle in which a change to the
Index  occurs.  When  a  range  of  rates  has  been  published  on  the  day  we
calculate the APR, the highest of the rates will be used. If this Index is no
longer available we will select a new one.
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. 

C.

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. 

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