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TD Ameritrade Client Rewards Personal Credit Card Agreement 

1.  INTRODUCTION.  Your  TD  Ameritrade  Client  Rewards  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 1-855-489-5680  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. 

∗ VISA is a registered trademark and service mark of VISA International Service Association, and is used by TD Bank, N.A. 
pursuant to a license from VISA U.S.A. Inc. 

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2. 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 1-855-489-5680. 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  at1-855-489-5680.    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 

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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  1-855-489-5680.  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 
by  no  later  than  5  p.m.  Eastern  Time  on  the  payment  due  date.  The  minimum  payment  will  be  the 
greater of: 

(i) 

$35, or  

(ii) 

One percent (1%) of the New Balance plus: 

(a)  The periodic interest charges for the Billing Cycle; or 

(b)  The Minimum Interest Charge owed for the Billing Cycle; plus 

(c)  The full amount of the Late Payment or Returned Payment Fee or other 
applicable fees owed (excluding any Annual Membership, Cash Advance 
or Balance Transfer Fees). 

In  addition,  any  past  due  minimum  payment  amounts  will  be  added  to  your  current  minimum 
payment due. 

If your New Balance is less than $35, your minimum payment will equal your New Balance.   

Credits, adjustments, refunds, prepayments and similar 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 

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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 1-855-489-5680. 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; 

(iii)  to transactions with the highest Daily Periodic Rates and corresponding APRs. 

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. 

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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  1-855-489-5680.  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  1-855-
489-5680. 

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  at1-855-489-5680.  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  1-855-489-5680.  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 

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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.  If  you  are  60  days  past  due,  you  may  lose  your  right  to  the  offer  and  the  rate  may 
return to the rate for the specified type of transaction(s) as stated in this Agreement, which rate may 
be applied to all existing and new balances on your Account.   

D.  When  Interest  Charges  Begin.  Your  due  date  is  at  least  25  days  after  the  close  of  each  Billing 
Cycle.  We  will  not  charge  you  any  interest  on  purchases  if  you  pay  your  entire  balance  by  the  due 
date each Billing Cycle.  Interest charges as a result of the loss of a grace period will not be charged if 
those interest charges are based on any portion of a balance subject to the grace period that was repaid 
prior  to  the  expiration  of  the  grace  period.    We  will  begin  charging  interest  on  cash  advances  and 
balance  transfers  on  the  transaction  date.    There  is  no  time  period  in  which  you  may  repay  a  cash 
advance or balance transfer and avoid imposition of an interest charge. 

E.  Balance  Calculation  Method  (Average  Daily  Balance  Method  (Including  Current 
Transactions)).  In  any  Billing  Cycle  in  which  you  owe  interest,  we  will  charge  interest  on  your 
balances of purchases, balance transfers and cash advances at the applicable Daily Periodic Rates. We 
figure  the  interest  charge  on  your  Account  by  applying  the  periodic  rate  to  the  “average  daily 
balance” of your Account. To get the “average daily balance”, we take the beginning balance of your 
Account each day, add any new transactions and fees and subtract any payments or credits. This gives 
us the daily balance. Then, we add up all the daily balances for the Billing Cycle and divide the total 
by the number of days in the Billing Cycle. This gives us the “average daily balance”. We compound 
(charge interest on) unpaid interest charges and unpaid fees. 

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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.    

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. 

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•  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 1-855-489-5680. If you request to 
close your Account by phone, we may require a written notice from you.  

C.  After  Your  Account  is  Closed.  After  your  Account  is  closed,  you  still  must  pay  us  any  unpaid 
amounts  under  this  Agreement.  We  will  not  be  liable  to  you  for  any  consequences  resulting  from 
closing your Account. You agree to cut, tear or otherwise deliberately damage all Cards and unused 
Access  Devices  in  your  or  any  Authorized  User’s  possession  or  control to  prevent  unauthorized  use 
by third parties and, upon our request, return such Cards or Access Devices to us at P.O. Box 84037, 
Columbus, GA 31908-4037, by first class mail, postage prepaid. 

8.  CHANGING  THIS  AGREEMENT.  We  may  change  this  Agreement,  including  (for  example) 
changing  the  addresses  and  telephone  numbers  you  should  use  to  contact  us,  changing  fees,  adding 
new  fees,  changing  the  Daily  Periodic  Rates  and  corresponding  APRs  or  increasing  your  required 
minimum  payment.  We  may  change  this  Agreement  based  on  economic  or  market  conditions,  our 
business strategies or for any other reason (including reasons unrelated to you or your Account). Any 
changes we make to this Agreement may apply to new transactions and/or then-existing balances as 
described  in  any  notice  we  are  required  to  provide  to  you.  We  will  notify  you  of  changes  to  this 
Agreement as required by applicable law. We will mail any required written notice to the address we 
have on file for your Account. 

9. INFORMATION SHARING 

A. Credit Information. We may review your credit history by obtaining information from consumer 
reporting agencies and others. We may report information about your Account to credit bureaus. Late 
payments, missed payments or other defaults on your Account may be reflected in your credit report. 
We may report Account information on Authorized Users. 

B. How to Dispute Reports Regarding Your Account. If you think the information we furnished to 
consumer reporting agencies on your Account is not accurate please write to us at: P.O. Box 84037, 
Columbus, GA 31908-4037. With your letter, please provide us with: 

•  Your name, address and telephone number;  
•  The Account number(s) for the Account(s) you are disputing;  
•  A description of the specific information you are disputing and an explanation of the basis for 

your dispute; and  

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•  Copies of documents that support your dispute. These could include (but are not limited to): a 
copy  of  your  consumer  report  showing  the  information  that  you  are  disputing,  your 
Statements, a court order or (if applicable) a copy of a police report or fraud or identity theft 
affidavit. 

If  you  fail  to  provide  us  with  the  information  listed  above,  we  may  be  unable  to  investigate  your 
dispute.    We  will  notify  you  of  the  results  of  our  investigation  within  30  days  of  receiving  your 
dispute. A delay may be experienced if the dispute is not mailed to the address above. We may take 
up to 45 days to investigate your dispute if, after providing us with your initial notice of dispute, you 
provide us with additional information that is relevant to our investigation. If our investigation finds 
that the information you are disputing was inaccurate, we will notify the consumer reporting agency 
of  our  determination  and  provide  the  consumer  reporting  agency  with  the  information  necessary  to 
correct the inaccuracy.  

We  will  have  no  duty to  investigate  disputes  that  are  substantially  similar to a  prior  dispute that  we 
have  responded  to,  or  that  relate  to  your  identifying  information  (such  as  your  name,  date  of  birth, 
Social Security number, telephone number or address), inquiries appearing on your consumer report, 
information from public records (such as judgments, liens, or bankruptcies, unless these matters relate 
to  your  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 
prerecorded voice  messages and  automatic  dialing technology  for  informational  and  account  service 
calls, but not for telemarketing or sales calls. In may include contact from companies working on our 
behalf  to  service  your accounts.  Message  and  data  rates  may  apply.  You  may contact us anytime  to 
change these preferences. 

E. Account Benefits. We may offer you certain third-party benefits and services with your Account, 
as  outlined  in  benefits  brochures  or  other  documents  and  internet  web  sites.  For  example,  certain 
eligible purchases charged with a VISA® Card may be eligible for certain benefits or services through 
VISA U.S.A. Inc. (or its affiliates). Any benefits or services we make available through third parties 
(including  without  limitation  VISA  U.S.A.  Inc.)  are  not  a  part  of  this  Agreement,  but  are  subject  to 
the terms and restrictions outlined in the applicable benefits brochures or other documents or internet 
web  sites  provided  or  made  available  to  you  from  time  to  time.  You  agree  that  we  may  give 
information about you, any Authorized User, and your Account, to any third party reasonably needing 
the  information  to  provide  you  with  such  benefits  or  services.  You  also  agree  that  we  or  any  third 
party  providing  any  Account-related  benefits  or  services  may  change,  add,  or  delete  benefits  or 
services at any time without notice.  

10. 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. 

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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 
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. 

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•  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.   

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:  

17.24%, 19.24% or 24.24%, based on your 
creditworthiness.   
     All APRs will vary with the market based on the Prime Rate.      
14.24%, 19.24% or 24.24%, based on your creditworthiness.  
      All APRs 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:  
Fees  
Annual Fee:  
Transaction Fees:  
• Balance Transfers 

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. 

None 

Either $5 or 3% of the amount of each transfer, whichever is greater. 

• Cash Advances 

Either $10 or 5% of the amount of each cash advance, whichever is greater. 

• Foreign Transactions 
Penalty Fees:  
• Late Payment  
• Returned Payment 

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. 

Billing Rights:  Information about your rights to dispute transactions and how to exercise those rights is 
provided in your account agreement. 

Margins:   

 For Purchases, 12.74%, 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, 0.0472329%, 0.0527123% or 0.0664110% 
For Balance Transfers, 0.0390137%, 0.0527123% or 0.0664110% 
For Cash Advances, 0.0725753% 

Index:    Prime Rate as of January 23, 2018 is 4.50%  

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