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             Credit Card Agreement 

1.  INTRODUCTION.  Your  TD  Bank  VISA®∗  Card  account  (“Account”)  is  subject  to  this  Credit  Card 
Agreement, including the Interest Rate and Fee Schedule we send with your credit card(s) (“Card”) when 
we  open  an  Account for  you.  This  Personal  Credit  Card  Agreement,  the  Interest  Rate  and  Fee  Schedule 
and the application or solicitation you submitted for this Account are all a part of and collectively referred 
to as the “Agreement.” Please read and keep this Agreement for your records.  

You,  your  and  yours  mean  each  person  who  applied  for  the  Account  and  the  person  to  whom  we  direct 
billing statements (“Statements”). We, us, our and TD Bank mean TD Bank, N.A., a national bank with its 
main office located in Delaware, and its successors and assigns. Authorized User means any other person 
to whom you give permission to use your Account.   

A.  Account  Use  and  Acceptance.  By  accepting  your  Card  and  using  or  maintaining  your  Account,  or 
letting someone else use your Card or your Account, you agree to all of the terms of this Agreement. You 
acknowledge  that  you  received  a  copy  of  this  Agreement.  Your  signature  on  your  application  or 
solicitation for this Account, including without limitation any electronic signature or oral acceptance of a 
telephone offer, your Card or any Account-related document represents your signature on this Agreement. 

You agree that you and each Authorized User 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 

∗ 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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goes  over  your  credit  limit,  you  agree  to  pay  the  overlimit  amount  when  it  is  billed  or  sooner  upon  our 
request. 

2. Limit for Cash Advances. We may set a credit limit for the total dollar amount of cash advances that 
may be outstanding from time to time that is lower than the overall credit limit for your Account.  

3. Changes to Credit Limit.  In our discretion, at any time, we may change any credit limit that applies 
to your Account. We will notify you if we change any credit limit. You may ask us to change your credit 
limit by contacting Customer Service at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, 
postage prepaid, or by telephoning Customer Service at 1-877-GO-TD1ST (1-877-468-3178) if you have 
a First Class Visa Signature Card or at 1-888-561-8861 for all other cards. We do not have to agree to any 
such request.   

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.  Cash Advances obtained from a financial institution, an automated teller machine, or any 
other  party  that  agrees  to  honor  the  credit  card  for  cash  advance  purposes,  and  all  Convenience  Checks 
(including  Convenience  Checks  used  to  transfer  balances)  posted  to  your  account  are  considered  Cash 
Advances  For  example,  your  Card  may  be  used  to  obtain  cash  advances  at  ATMs  displaying  the  VISA 
logo  and  from  participating  financial  institutions  honoring  VISA  credit  cards.  You  may  be  required  to 
sign a special form and/or provide your personal identification number (PIN). Please select a PIN that is 
not  easily  identifiable  and  does  not  consist  of  one  single  number  (for  example,  “1111”)  or  consecutive 
numbers. PINs should also not be based  on  or include your  birth date, zip code  or  Account  number.  Do 
not write your PIN on your Card and do not keep your PIN with or near your Card or any Access Device.  
See the Interest Rate and Fee Schedule on the card mailer for Cash Advance fee details.   The amount of 
the  Cash  Advance  transaction  fee  will  be  added  to  your  minimum  monthly  payment  and  is  due  by  the 
payment due date indicated on your monthly billing statement. 

3. Balance Transfers. We may allow you to transfer balances from other credit card accounts with third 
parties  (but  not  us  or our affiliates) to your  Account. We  may limit the  number  and  types of  credit card 
accounts  from  which  we  will  allow  you  to  transfer  balances  and  the  times,  amounts,  manner  and 
circumstances in  which  Balance  Transfers  may be requested. The  minimum  Balance  Transfer  amount is 
$250  (plus  the  Balance  Transfer  Transaction  Fee).    See  the  Interest  Rate  and  Fee  Schedule  on  the  card 
mailer for Balance Transfer fee details.  

Introductory or Promotional APRs on Balance Transfers: We may from time to time make available 
certain  promotional  Annual  Percentage  Rate  (APRs)  on  balance  transfer  transactions.  See  Section  4  – 
Interest Charges subsection D for details on how to 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  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 

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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  each  monthly  billing  cycle  (“Billing  Cycle”),  if  there  was  activity  on  your 
Account, we will send you a Statement showing what you owe (the “New Balance”) as of the end of the 
Billing  Cycle.  The  Statement  will  show  any  interest  charges  you  owe,  the  minimum  payment  due,  the 
payment due date, your current credit limit, an itemized list of fees, charges, payments and credits posted 
to  your  Account  during  the  Billing  Cycle  and  other  important  information.  We  will  mail  or  deliver  the 
Statement to the address we have on file for your Account.  

2.  Change  of  Address.  You  must  notify  us  promptly  of  any  change  in  your  address  by  contacting 
Customer Service at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, or 
by calling us at 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or at 
1-888-561-8861  for  all  other  cards.  We  may  accept  mailing  address  corrections  from  the  United  States 
Postal  Service.    You  may  also  update  your  address  online  via  tdcardservices.com.  Until  we  receive, 
process,  and  verify  your  new  address,  we  will  continue  to  send  Statements  and  other  notices  to  the  last 
address  we  have  on  file  for  your  Account  (which  may  be  a  correction  from  the  United  States  Postal 
Service).  

F. Credit Balance. We will make a good faith effort to return to you any credit balance that has been on 
your Account longer than six consecutive Billing Cycles (or, in our discretion, for a shorter time period). 
You may also request a refund of a credit balance on your Account at any time by sending your request to 
Customer  Service  at  P.O.  Box  84037,  Columbus,  GA  31908-4037,  by  first  class  mail,  postage  prepaid. 
We may reduce the amount of any credit balance on your Account by applying the credit balance towards 
new fees and charges posted to your Account. We do not pay any interest on credit balances.  

G.  Payments.  You  may at any  time  pay  off the full  unpaid balance  or  part  of the unpaid  balance  under 
this Agreement. 

1. Minimum Payment. If you have an outstanding balance, we must receive your minimum payment as 
set forth in section 2 "Making Payments" below. The minimum payment will be the greater of: 

(i) 

$35, or  

(ii) 

One percent (1%) of the New Balance plus: 

(a) 

(b) 

The periodic interest charges for the Billing Cycle; plus 

The full amount of any transaction fees (such as Cash Advance, Balance 
Transfer and Foreign Transaction Fees) owed for the Billing Cycle; plus 

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(c) 

The  full  amount  of  any  Annual  Membership  Fee,  Late  Payment  or 
Returned Payment Fee or other applicable fees owed.  

In  addition,  any  past  due  minimum  payment  amounts  will  be  added  to  your  current  minimum  payment 
due. 

If your New Balance is less than $35, your minimum payment will equal your New Balance.   

Credits, Payment Plus credits (if you have a Payment Plus Account), adjustments, refunds, prepayments 
and  similar  Account  transactions  may  not  be  used  in  place  of  payment  of  any  portion  of  a  required 
minimum  payment.  You  may  pay  more  than  the  minimum  payment  due  (this  is  a  prepayment)  without 
any  penalty.  The  sooner  you  pay  the  New  Balance,  the  less  you  will  pay  in  interest  charges.  A 
prepayment in one Billing Cycle will not excuse you from paying the minimum payment due in the next 
Billing Cycle.  

2. Making Payments. Payments may be made by mail, online, at a TD Bank store or over the phone.  All 
payments  must  be  in  U.S.  dollars  and,  if  applicable,  drawn  on  a  U.S.  bank.  Business  Day  is  defined  as 
Monday through Friday, excluding federal holidays. 

a. By Mail. Send a check or money order to the payment address shown on your Statement with 
the  payment  stub  from  your  Statement.  Do  not  mail  any  cash  payments.  A  properly  addressed 
payment  with  the  payment  stub  will  be  credited  to  your  Account  as  of  the  date  received  if  we 
receive  it  by  5  p.m.  Eastern  Time  on  a  Business  Day.  A  properly  addressed  payment  with  the 
payment stub received  after 5  p.m.  Eastern  Time  or  on  a day  that is  not  a  Business  Day  will be 
credited  to  your  Account  as  of  the  next  Business  Day.  You  agree  to  not  give  us  any  post-dated 
check  as payment  on  your  Account. If the  payment  due  date falls on a  day  on  which  we  do  not 
receive or accept payments, the payment will not be treated as late if received the next Business 
Day.  

b.  Online.  You  may  pay  online  by  logging  in  to  our  website.  A  payment  made  online  will  be 
credited  to  your  Account  as  of  the  date  received  if  we  receive  it  by  5  p.m.  Eastern  Time  on  a 
Business  Day.  Online  payments  received  after  5  p.m.  Eastern  Time  or  on  a  day  that  is  not  a 
Business Day will be credited to your Account as of the next Business Day.   

c.  At  TD  Bank  Stores.  You  may  make  a  payment  in  person  to  one  of  our  employees  at  a  TD 
Bank store. A payment made at a TD Bank store will be credited to your Account as of the date 
received if we receive it by the close of business for that location.  

d. By Phone. You may pay by phone by calling 1-877-GO-TD1ST (1-877-468-3178) if you have 
a  First  Class  Visa  Signature  Card  or at  1-888-561-8861 for all other  cards.  A  payment  made by 
phone will be credited to your Account as of the date received if we receive it by 5 p.m. Eastern 
Time on a Business Day. Phone payments received after 5 p.m. Eastern Time or on a day that is 
not a Business Day will be credited to your Account as of the next Business Day.  From time to 
time,  we  may  allow  you  to  expedite  a  single  payment  to  your  Account  from  a  designated  bank 
account of yours by telephone. 

e. Delay in Crediting and 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) 

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b.  Application  of  Payments  in  Excess  of  Minimum  Payment.    We  will  generally  apply  your 
payments and credits in excess of the minimum payment in the following order: 
(i) 

to  transactions  (purchases,  balance  transfers,  cash  advances)  with  the  highest  Daily 
Periodic Rates and corresponding APRs; 
to transactions with the lowest Daily Periodic Rates and corresponding APRs.  

(ii) 

4. Payments Marked “Paid in Full”.  Any check, money order or other instrument sent in payment on 
your  Account  marked  with  “paid  in  full”  or  similar  notation  to  settle  a  debt  on  your  Account  that  is 
reasonably in dispute (and any accompanying letter or other instructions) must be sent to: TD Bank, P.O. 
Box  16027,  Lewiston,  ME    04243-9513,  Attention:  Customer  Service.  If  such  payment  is  sent  to  any 
other  address,  you  agree  that  (i)  we  may  ignore  any  special  notations  or  instructions  on  or  with  the 
payment and (ii) our crediting any such payment to your Account does not mean that we have agreed to 
any special notations or instructions on or with the payment. 

5.  Automatic  Payments.  We  may  allow  you  to  repay  amounts  owed  under  this  Agreement  through 
automatic  payments  from  a  savings  or  checking  account.  We  may  terminate  our  permission  to  make 
automatic payments at any time. If we allow automatic payments, no automatic payment will occur unless 
the  savings  or  checking  account  has  sufficient  collected  funds  in  it  on  the  Business  Day  before  the 
payment due date to cover the full amount of the minimum payment due (or any larger monthly payment 
you and we may agree to from time to time). If an automatic payment does not occur for any reason, you 
still must pay the minimum payment and a Late Payment or Returned Payment Fee may apply. 

If  you  have  authorized  us  to  pay  your  credit  card  bill  automatically  from  your  checking  or  savings 
account with us, you can stop the payment on any amount you think is wrong. To stop the payment, write 
to: TD Bank, P.O. Box 84037, Columbus, GA 31908- or call 1-877-GO-TD1ST (1-877-468-3178) if you 
have a First Class Visa Signature Card or 1-888-561-8861 for all other cards. To stop the payment, your 
letter or telephone call must reach us three Business Days before the automatic payment is scheduled to 
occur.  

6.  Electronic  Check  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 

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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 Device. We may require you to provide certain information in writing to help us 
find out what happened. You also must identify for us any charges on your Statement that were not 
made by you or someone authorized by you and from which you received no benefit.  

4.  INTEREST CHARGES  

A. Annual Percentage Rates. Annual Percentage Rate or APR means the annual rate of interest charged 
on  Account  balances.  The  APRs  and  corresponding  Daily  Periodic  Rates  for  your  Account  are  listed  in 
the Interest Rate and Fee Schedule. To get the Daily Periodic Rate, we divide the APR by 365 and round 
at the seventh place after the decimal point. We may charge different Daily Periodic Rates and APRs on 
different Account transactions (such as purchases, cash advances and balance transfers) or during special 
promotional periods.  

B. Variable Rates. Your APRs are subject to change each Billing Cycle and are determined each Billing 
Cycle by adding the  Margins listed in the  Interest  Rate and Fee Schedule to the  Index. The Index is the 
Prime  Rate  (U.S.)  published  in  the  Money  Rates  section  of  The  Wall  Street  Journal.  Your  APRs  may 
increase if the Index increases. If any APR increases, the amount of interest charged and your minimum 
payment  may increase.  Any  change in  the  APRs  will take  effect  on the first day  of the  Billing  Cycle in 
which a change to the Index occurs. When a range of rates has been published on the day we calculate the 
APR, the highest of the rates will be used.  If this Index is no longer available we will select a new one. 
The maximum rate for any variable APR is the applicable Margin plus the Index. 

C.  Introductory  or  Promotional  APR.  We  may  offer  you  an  introductory  or  promotional  APR  for 
specific Account transactions, such as balance transfers. Any introductory or promotional APR offer will 
be  subject  to  the  terms  of  the  offer  and  this  Agreement.  Upon  the  expiration  of  an  introductory  or 
promotional  APR, the rate  will return to  the  rate for the specified type of  transaction(s)  as stated in  this 
Agreement.  See  Section  4  –  Interest  Charges,  subsection  D  for  details  on  how  to  avoid  paying 

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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 charging interest on cash advances and balance 
transfers  on  the  transaction  date.  There  is  no  time  period  in  which  you  may  repay  a  cash  advance  or 
balance transfer and avoid imposition of an interest charge. If you have a balance transfer balance on your 
Account that is subject to a 0% introductory or promotional APR we will not charge you interest on new 
purchases during the term of the introductory or promotional offer if you pay by the payment due date of 
each  Billing  Cycle  the  amount  shown  within  the  'Payment  Information"  box  titled  "Payment  to  Avoid 
Purchase  Interest".  We  calculate  the  amount  by  adding:  (1)  your  Minimum  Payment  Due;  plus  (2)  the 
total outstanding purchase balance; plus (3) the total outstanding cash advance balance; plus (4) the total 
amount  of  outstanding  balance  transfer  balances  that  are  not  subject  to  the  0%  introductory  or 
promotional  APR;  plus  (5)  any  fees  that  had  been  assessed  to  the  Account.  The  "Payment  to  Avoid 
Purchase Interest" will never be less than the minimum due. 

E. Balance Calculation Method (Average Daily Balance Method (Including Current Transactions)). 
In  any  Billing  Cycle  in  which  you  owe  interest,  we  will  charge  interest  on  your  balances  of  purchases, 
balance transfers and cash advances at the applicable Daily Periodic Rates. We figure the interest charge 
on your Account by applying the periodic rate to the “average daily balance” of your Account. To get the 
“average  daily  balance”,  we  take  the  beginning  balance  of  your  Account  each  day,  add  any  new 
transactions and fees and subtract any payments or credits. This gives us the daily balance. Then, we add 
up  all  the  daily  balances  for  the  Billing  Cycle  and  divide  the  total  by  the  number  of  days  in  the  Billing 
Cycle.  This  gives  us  the  “average  daily  balance”.  We  compound  (charge  interest  on)  unpaid  interest 
charges and unpaid fees. 

F.  Minimum  Interest  Charge.  If  the  total  interest  charges  on  your  Account  for  a  Billing  Cycle  are 
greater than zero but less than $1, the interest charge for that Billing Cycle will be $1.  

5. FEES. You agree to pay the fees described below whenever applicable.  

A.  Annual  Membership  Fee.  If  your  Account  has  an  Annual  Membership  Fee,  it  will  be  billed  each 
year,  whether  or  not  you use your  Account.  The  amount  is listed  in the  Interest  Rate  and  Fee  Schedule. 
Your  payment  of  the  Annual  Membership  Fee  does  not  affect  our  right  to  close  your  Account  or  limit 
your right to make transactions on your Account.  

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. Penalty Fees. 

1. Late Payment Fee. The first time we do not receive a required minimum payment when due, we may 
charge a Late Payment Fee of the minimum payment due or $27, whichever is less.  If over the next six 
Billing Cycles, the  minimum  payment is  not received when  due,  we  may  charge a Late  Payment  Fee  of 
the minimum payment due or $37, whichever is less.  

2.  Returned  Payment  Fee.  We  may  charge  you  this  fee  each  time  your  financial  institution  for  any 
reason  rejects  a  payment  you  make  to  us,  or  if  the  payment  cannot  be  processed.    The  first  Returned 
Payment Fee will be equal to $27 or your minimum payment due; whichever is less, even if your payment 
is eventually paid after a second presentment (if we elect to re-present the payment). If over the next six 
Billing  Cycles  you  incur  an  additional  Returned  Payment  fees  (for  any  of  the  reasons  stated  above)  the 
Returned Payment Fee may increase to $37, or your minimum payment due, whichever is less.    

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D. Other Fees. We may also charge the following fees, subject to any restrictions of applicable law. 

1.  Copy  Fees.  We  may  charge  you  a  fee  of  up  to  $7  for  each  copy  of  a  Statement  or  sales  draft  you 
request or up to $5 for each copy of a payment check or written Access Device you request. However, we 
will  not  charge  you  for  copies  of  documents  that  you  request  in  connection  with  a  billing  error/inquiry 
you may assert against us under applicable law.  

2.  Emergency  Replacement  Card  Fee.  If  you  request  a  replacement  Card  on  an  expedited  basis  (for 
example, to replace a lost or stolen Card), we may charge you an Emergency Replacement Card Fee of up 
to $25. 

3.  Stop  Payment  Fee.  If  you  ask  us  to  stop  payment  on  an  Access  Device,  we  may  charge  you  a  Stop 
Payment Fee of $39. 

6.  DEFAULT 

A. 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 including Account inactivity and/or lack of credit 
card usage for an extended period of time, and without prior notice.  

B. You May Ask Us to Close Your Account. You may ask us to close your Account to new transactions 
at any time by notifying Customer Service in writing at P.O. Box 84037, Columbus, GA 31908-4037, by 
first  class  mail,  postage  prepaid,  or  contacting  us  at  1-877-GO-TD1ST  (1-877-468-3178)  if  you  have  a 
First  Class  Visa  Signature  Card  or  at  1-888-561-8861  for  all  other  cards.  If  you  request  to  close  your 
Account by phone, we may require a written notice from you.  

C.  After  Your  Account  is  Closed.  After  your  Account  is  closed,  you  still  must  pay  us  any  unpaid 
amounts under this Agreement. We will not be liable to you for any consequences resulting from closing 
your  Account.  You  agree  to  cut,  tear  or  otherwise  deliberately  damage  all  Cards  and  unused  Access 
Devices  in  your  or  any  Authorized  User’s  possession  or  control  to  prevent  unauthorized  use  by  third 

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parties and, upon our request, return such Cards or Access Devices to us at P.O. Box 84037, Columbus, 
GA 31908-4037, by first class mail, postage prepaid. 

8.  CHANGING  THIS  AGREEMENT.  We  may  change  this  Agreement,  including  (for  example) 
changing the addresses  and telephone numbers  you should use to contact us, changing fees, adding new 
fees,  changing  the  Daily  Periodic  Rates  and  corresponding  APRs  or  increasing  your  required  minimum 
payment.  We  may  change  this  Agreement  based  on  economic  or  market  conditions,  our  business 
strategies or for any other reason (including reasons unrelated to you or your Account). Any changes we 
make to this Agreement may apply to new transactions and/or then-existing balances as described in any 
notice we are required to provide to you. We will notify you of changes to this Agreement as required by 
applicable law. We will mail any required written notice to the address we have on file for your Account. 

9. INFORMATION SHARING 

A.  Credit  Information.  We  may  review  your  credit  history  by  obtaining  information  from  consumer 
reporting  agencies  and  others.  We  may  report  information  about  your  Account  to  credit  bureaus.  Late 
payments, missed payments or other defaults on your Account may be reflected in your credit report. We 
may report Account information on Authorized Users. 

B.  How  to  Dispute  Reports  Regarding  Your  Account.  If  you  think  the  information  we  furnished  to 
consumer  reporting  agencies  on  your  Account  is  not  accurate  please  write  to  us  at:  P.O.  Box  84037, 
Columbus, GA 31908-4037. With your letter, please provide us with: 

•  Your name, address and telephone number;  
•  The Account number(s) for the Account(s) you are disputing;  
•  A  description  of  the  specific  information  you  are  disputing  and  an  explanation  of  the  basis  for 

your dispute; and  

•  Copies  of  documents  that  support  your  dispute.  These  could  include  (but  are  not  limited  to):  a 
copy of your consumer report showing the information that you are disputing, your Statements, a 
court order or (if applicable) a copy of a police report or fraud or identity theft affidavit. 

If you fail to provide us with the information listed above, we may be unable to investigate your dispute.  
We  will  notify  you  of  the  results of  our  investigation within 30  days of  receiving  your  dispute.  A  delay 
may  be  experienced  if  the  dispute  is  not  mailed  to  the  address  above.  We  may  take  up  to  45  days  to 
investigate  your  dispute  if,  after  providing  us  with  your  initial  notice  of  dispute,  you  provide  us  with 
additional information that is relevant to our investigation. If our investigation finds that the information 
you are disputing was inaccurate, we will notify the consumer reporting agency of our determination and 
provide the consumer reporting agency with the information necessary to correct the inaccuracy.  

We will have no duty to investigate disputes that are substantially similar to a prior dispute that we have 
responded  to,  or  that  relate  to  your  identifying  information  (such  as  your  name,  date  of  birth,  Social 
Security number, telephone number or address), inquiries appearing on your consumer report, information 
from  public  records  (such  as  judgments,  liens,  or  bankruptcies,  unless  these  matters  relate  to  your 
Account(s)  with  us),  information  related  to  fraud  or  active  duty  alerts  on  your  report,  or  information 
provided  to  the  consumer  reporting  agency  from  someone  other  than  us.  We  will  also  have  no  duty  to 
investigate your dispute if we reasonably believe it was submitted or prepared by (or if you submitted it 
on  a  form  provided  by)  a  credit  repair  organization.  If  we  determine  that  we  will  not  investigate  your 
dispute  for  one  of  these  (or  some  other)  reasons  we  will  notify  you  of  that  determination  within  five 
Business Days. 

C.  Telephone  Monitoring  and  Recording.  You  consent  to  and  authorize  us  and  any  of  our  affiliates, 
agents and marketing associates to monitor and/or record any of your telephone conversations with any of 
our or their representatives for quality control, training and other lawful purposes. 

D.  Telephone  Numbers.    When  you  give  us  your  mobile  phone  number,  we  have  your  permission  to 
contact  you  at  that  number  about  all  of  your  TD  Bank  accounts.   Your  consent  allows  us  to  use  text 
messaging,  artificial  or pre-recorded  voice  messages  and  automatic dialing  technology for  informational 
and account service calls, but not for telemarketing or sales calls. It may include contact from companies 
working on our behalf to service your accounts.  Message and data rates may apply.  You may contact us 
anytime to change these preferences. 

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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  person  that  amounts  due  under  this 
Agreement  have  not  been  paid.  You  also  waive  demand  for  payment,  protest,  notice  of  protest  and  all 
other notices and demands, to the fullest extent permitted by applicable law. 

B. Assignment. We may assign your Account and our rights under this Agreement to our affiliates or to 
some other financial institution or company without advance notice to you. That entity will take our place 
in  this  Agreement  if  we  do  this.  You  may  not  assign  or  transfer  your  Account  or  any  of  your 
responsibilities under this Agreement to any other person. 

C.  No  Security.  Your  Account  is  unsecured.  We  are  not  taking  a  security  interest  in  any  property  in 
connection with your Account.  

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. 

NJ RESIDENTS: Because certain provisions of this Agreement are subject to applicable laws, they may 
be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void, 
unenforceable or inapplicable in New Jersey. 

Cardholder:    Your  name,  address  and  signature  (including  any  electronic  or  digital  signature)  and  the 
date  on  any  application  or  solicitation  or  on  any  sales  slip  or  other  evidence  of  indebtedness  on  your 
Account represents your name, address and signature and the date on this Agreement. 

Your Billing Rights: Keep This Document For Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find a Mistake on Your Statement 

If you think there is an error on your bill, write to us at: 
TD Bank 
P.O. Box 84037 

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Columbus, GA 31908-4037 
In your letter, give us the following information: 
•  Account information:  Your name and Account number. 
•  Dollar amount:  The dollar amount of the suspected error. 
•  Description of problem:  If you think there is an error on your bill, describe what you believe is 
wrong and   why you believe it is a mistake. 

  You must contact us: 

•  Within 60 days after the error appeared on your bill. 
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment 
on the amount you think is wrong. 

  You  must  notify  us  of  any  potential  errors  in  writing.    You  may  call  us,  but  if  you  do  we  are  not 
required to        investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
  When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter.  We will 

also tell you if we have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why 

we believe the bill is correct.   

  While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your bill, and we may continue to charge you interest on 
that amount. 
•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are  responsible  for  the  remainder  of 
your balance.   
•  We can apply any unpaid amount against your credit limit. 
  After we finish our investigation, one of two things will happen: 

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 1-877-488-3712. 

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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:  

APR for Balance Transfers:  

APR for Cash Advances:  

TD Cash: 
14.24%, 19.24% or 24.24%, based on your 
creditworthiness.   
     All APRs will vary with the market based on the Prime Rate.      
TD First Class: 
14.49% 
     This APR will vary with the market based on the Prime Rate.      
TD Cash: 
0% Introductory APR for the first 12 billing cycles after Account 
opening. 
After that, your APR will be 14.24%, 19.24% or 24.24%, based on 
your creditworthiness.  
      All APRs will vary with the market based on the Prime Rate. 
TD First Class: 
0% Introductory APR for the first 12 billing cycles after Account 
opening. 
After that, your APR will be 14.49%. 
      This APR will vary with the market based on the Prime Rate. 
26.49% 

      This APR will vary with the market based on the Prime Rate.  

How to Avoid Paying Interest on 
Purchases:  

Minimum Interest Charge:  

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau:  

Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
If you are charged interest, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees  

Annual Fee:  

Transaction Fees:  
• Balance Transfers  
• Cash Advances 

• Foreign Transactions 
Penalty Fees:  
• Late Payment  
• Returned Payment 

TD Cash: None 
TD First Class: $89 (waived for the first year) 

Either $5 or 3% of the amount of each transfer, whichever is greater. 
TD Cash: 
Either $10 or 5% of the amount of each cash advance, whichever is 
greater. 
TD First Class: 
Either $10 or 3% of the amount of each cash advance, whichever is 
greater. 
None 

Up to $37 
Up to $37 

  How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including 

Current Transactions).” See your account agreement for more details. 

Loss of Introductory APR:  If you are 60 days past due, we may end your introductory APR for Balance 
Transfers and apply the standard APR for Balance Transfers as stated in the Interest Rates and Interest 
Charges Table, to all existing and new Balance Transfer balances on the Account. 

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Billing Rights: Information about your rights to dispute transactions and how to exercise those rights is 
provided in your account agreement. 

TD Cash Margins:   

 For Purchases, 9.74%, 14.74% or 19.74% will be added to the Index 
 For Balance Transfers, 9.74%, 14.74% or 19.74% will be added to the Index 
 For Cash Advances, 21.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of January 23, 2018 are:  
 For Purchases, 0.0390137%, 0.0527123% or 0.0664110% 
 For Balance Transfers, 0.0390137%, 0.0527123% or 0.0664110% 
 For Cash Advances, 0.0725753% 

First Class Margins:      

 For Purchases, 9.99% will be added to the Index 
 For Balance Transfers, 9.99% will be added to the Index 
 For Cash Advances, 21.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of January 23, 2018 are:  

For Purchases, 0.0396986% 
For Balance Transfers, 0.0396986% 
For Cash Advances, 0.0725753% 

Index:        Prime Rate as of January 23, 2018 is 4.50%  

F03-W422-4-0118