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     Personal Credit Card Agreement 

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

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

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

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

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

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

3.  USING YOUR ACCOUNT 

A. Credit Limit.  

1. General. Your initial credit limit is shown in the materials we send with your Card when we open an Account 
for you. Your current credit limit will be shown on each Statement. You also may telephone Customer Service at 1-
877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for all other 
cards for your current credit limit.You agree to not go over your credit limit. We may permit you to go over your 
credit limit, but we are not required to do so. If your Account goes over your credit limit, you agree to pay the 
overlimit amount when it is billed or sooner upon our request. 

2. Limit for Cash Advances. We may set a credit limit for the total dollar amount of cash advances that may be 
outstanding from time to time that is lower than the overall credit limit for your Account.  

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

B. Types of Transactions. 

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

2. Cash Advances. You may use your Card to obtain cash advances wherever your Card is honored for cash 
advances. For example, your Card may be used to obtain cash advances at ATMs displaying the VISA logo and 
from participating financial institutions honoring VISA credit cards. You may be required to sign a special form 
and/or provide your personal identification number (PIN). Please select a PIN that is not easily identifiable and 
does not consist of one single number (for example, “1111”) or consecutive numbers. PINs should also not be 
based on or include your birth date, zip code or Account number. Please do not write your PIN on your Card and 
do not keep your PIN with or near your Card or any Access Device.  See the Interest Rate and Fee Schedule on the 
card mailer for Cash Advance fee details.  

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

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

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

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

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

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

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E. Statements. 

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

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

F. Credit Balance. We will make a good faith effort to return to you any credit balance that has been on your 
Account longer than six consecutive Billing Cycles (or, in our discretion, for a shorter time period). You may also 
request a refund of a credit balance on your Account at any time by sending your request to Customer Service at 
P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid. We may reduce the amount of 
any credit balance on your Account by applying the credit balance towards new fees and charges posted to your 
Account. We do not pay any interest on credit balances.  

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

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

(i) 

$35, or  

(ii) 

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

(a) 

(b) 

(c) 

The periodic interest charges for the Billing Cycle; plus 

The full amount of any transaction fees (such as Cash Advance, Balance 
Transfer and Foreign Transaction Fees) owed for the Billing Cycle; plus 

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

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

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

Credits, 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  

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Business Day. You agree to not give us any post-dated check as payment on your Account. If the payment  
due date falls on a day on which we do not receive or accept payments, the payment will not be treated as 
late if received the next Business Day.  

b. Online. You may pay online by logging in to our website. A payment made online will be credited to 
your Account as of the date received if we receive it by 5 p.m. Eastern Time on a Business Day. Online 
payments received after 5 p.m. Eastern Time or on a day that is not a Business Day will be credited to 
your Account as of the next Business Day.   

c. At TD Bank Stores. You may make a payment in person to one of our employees at a TD Bank store. 
A payment made at a TD Bank store will be credited to your Account as of the date received if we receive 
it by the close of business for that location.  

d. By Phone. You may pay by phone by calling 1-877-GO-TD1ST (1-877-468-3178) if you have a First 
Class Visa Signature Card or at 1-888-561-8861 for all other cards. A payment made by phone will be 
credited to your Account as of the date received if we receive it by 5 p.m. Eastern Time on a Business 
Day. Phone payments received after 5 p.m. Eastern Time or on a day that is not a Business Day will be 
credited to your Account as of the next Business Day.   

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

3. Application of Payments.  

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

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

(iii) 

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

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

(ii) 

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

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

If you have authorized us to pay your credit card bill automatically from your checking or savings account with us, 
you can stop the payment on any amount you think is wrong. To stop the payment write to: TD Bank, P.O. 
Box 84037, Columbus, GA 31908- 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.  

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

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

H. Additional Cards and Authorized Users. 

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

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

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

I. Lost or Stolen Cards, Account Numbers or Access Devices. If any Card, Account number or Access Device is 
lost or stolen, or if you think someone used or may use them without your permission, notify us AT ONCE by 
calling 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature Card or 1-888-561-8861 for 
all other cards. You agree that we may close your Account to new transactions, change your Account number(s) 
and issue you a new Card(s) and new Access Devices with different Account number(s) if we have been notified of 
the possible loss, theft or unauthorized use. If we do this, you must notify anyone you have authorized to submit 
and post charges to your Account of your new Account number(s). Do not use your Card, Account number or 
Access Device after you notify us, even if your Card or other Access Device is later found or returned. 

Under VISA U.S.A.’s “Zero Liability Policy” you may not be liable for the unauthorized use of your 
Account or Card that results in a fraudulent transaction made over the VISA network. To be eligible, you 
must notify us immediately of any unauthorized use of your Account or Card. We will provisionally credit 
you for losses from the unauthorized Card use within five Business Days of your notification to us of the loss. 
The VISA Zero Liability Policy does not apply to transactions made at an ATM or to any transactions made 
using your PIN that are not processed by VISA. We may impose greater liability, or withhold, delay, limit or 
rescind any provisional credit that we provide to you under the Zero Liability Policy, based on factors such 
as your gross negligence or fraud, your delay in reporting unauthorized use, our investigation and 
verification of your claim, your Account standing and history and other factors. If you are not eligible for  

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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. 

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

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

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

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

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

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

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B. Cash Advance and Balance Transfer Transaction Fees.  

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

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

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

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

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

2. 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. 

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7. CLOSING YOUR ACCOUNT 

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

B. You May Ask Us to Close Your Account. You may ask us to close your Account to new transactions at any 
time by notifying Customer Service in writing at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, 
postage prepaid, or contacting us at 1-877-GO-TD1ST (1-877-468-3178) if you have a First Class Visa Signature 
Card or at 1-888-561-8861 for all other cards. If you request to close your Account by phone, we may require a 
written notice from you.  

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

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

9. INFORMATION SHARING 

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

B. How to Dispute Reports Regarding Your 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  

       F03-M803-1-0414    

 
 
 
 
 
 
 
 
 
    
 
 
 
 
 
9 

fraud or active duty alerts on your report, or information provided to the consumer reporting agency from someone  
other than us. We will also have no duty to investigate your dispute if we reasonably believe it was submitted or 
prepared by (or if you submitted it on a form provided by) a credit repair organization. If we determine that we will 
not investigate your dispute for one of these (or some other) reasons we will notify you of that determination within 
five Business Days. 

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

D. Telephone Numbers. If you give a cell phone number directly to us, you consent to and agree to accept 
collection calls to your cell phone from us and our agents. For any telephone or cell phone calls placed to you by us 
or our agents, you consent and agree that those calls may be automatically dialed and/or use recorded messages, 
subject to any restrictions of applicable law. 

E. Account Benefits. We may offer you certain third-party benefits and services with your Account, as outlined in 
benefits brochures or other documents and internet web sites. For example, certain eligible purchases charged with 
a VISA® Card may be eligible for certain benefits or services through VISA U.S.A. Inc. (or its affiliates). Any 
benefits or services we make available through third parties (including without limitation VISA U.S.A. Inc.) are not 
a part of this Agreement, but are subject to the terms and restrictions outlined in the applicable benefits brochures 
or other documents or internet web sites provided or made available to you from time to time. You agree that we 
may give information about you, any Authorized User, and your Account, to any third party reasonably needing the 
information to provide you with such benefits or services. You also agree that we or any third party providing any 
Account-related benefits or services may change, add, or delete benefits or services at any time without notice.  

10. MISCELLANEOUS 

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

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

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

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

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

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

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

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

       F03-M803-1-0414    

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
10 

Your Billing Rights: Keep This Document For Future Use 

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

What To Do If You Find a Mistake on Your Statement 

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

why you believe it is a mistake. 
You must contact us: 
  Within 60 days after the error appeared on your bill. 
  At least 3 business days before an automated payment is  scheduled, if you want to stop payment on the 

amount you think is wrong. 

You must notify us of any potential errors  in writing.  You may call us, but if you do we are not required to 

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

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

you if we have already corrected the error. 

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

the bill is correct.   
  While we investigate whether or not there has been an error: 

  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  The  charge  in  question  may  remain  on  your  bill,  and  we  may  continue  to  charge  you  interest  on  that 

amount. 

  While  you  do  not  have  to  pay  the  amount  in  question,  you  are  responsible  for  the  remainder  of  your 

balance.   

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

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 

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11 

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.   

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12 

              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:  

    Easy Rewards and Cash Rewards  
  9.24% to 23.24%, based on your creditworthiness.   
     All APRs will vary with the market based on the Prime Rate.  
   Payment Plus 
  21.24% 
    This APR will vary with the market based on the Prime Rate. 
   First Class 
13.24%  
 This APR will vary with the market based on the Prime Rate.  

   Easy Rewards and Cash Rewards  

0% Introductory APR for 12 months after Account opening.  
      After that, your variable APR will be 9.24% to 23.24% based  
      on your creditworthiness.  
      All APRs will vary with the market based on the Prime Rate. 
Payment Plus 
0% Introductory APR for 12 months after Account opening.  
      After that, your APR will be 21.24%.  
      This APR will vary with the market based on the Prime Rate. 
First Class 
0% Introductory APR for 12 months after Account opening.   
    After that, 13.24%. This APR will vary with the market    
    based on the Prime Rate.  

23.24% 
      This APR will vary with the market based on the Prime Rate.  
Your due date is at least 25 days after the close of each billing 
cycle. We will not charge you interest on purchases if you pay 
your entire balance by the due date each month. Interest 
Charges will begin to accrue on Balance Transfers and Cash 
Advances as of the transaction date or Activity Date. 
If you are charged interest, the charge will be no less than $1.00 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore 

Easy Rewards, Cash Rewards and Payment Plus  -   None  
First Class - $0 introductory for the first year, then $89 

APR for Balance 
Transfers:  

APR for Cash Advances:  

How to Avoid Paying 
Interest on Purchases:  

Minimum 
Interest Charge:  
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau:  
Fees  
Annual Fees:  

Transaction Fees (Easy 
Rewards, Cash 
Rewards and Payment 
Plus):  

       F03-M803-1-0414    

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
• Balance Transfers 

• Cash Advances 

• Foreign Transactions 

Transaction Fees (First 
Class): 

• Balance Transfers  

• Cash Advances 

13 

Either $10 or 4% of the amount of each transfer, whichever is 
greater. 
Either $10 or 5% of the amount of each cash advance, 
whichever is greater. 
3% of each transaction in U.S. dollars.  

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

• Foreign Transactions 

None 

Penalty Fees:  

• Late Payment  

  Up to $35.  

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including Current 
Transactions).” See your account agreement for more details. 

Loss of Introductory APR:  If you are 60 days past due, you may lose your right to the offer and the APR will 
return to the APR for balance transfers as stated in the interest rates and interest charges table which will be applied 
to all existing and new balances on the Account. 

Billing Rights:  Information about your rights to dispute transactions and how to exercise those rights is provided 
in your account agreement. 

Easy Rewards and Cash Rewards Margins:   

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

The corresponding DAILY PERIODIC RATES as of April 1, 2014 are:  
                    For Purchases, 0.0253150% to 0.0636712% 

For Balance Transfers, 0.0253150% to 0.0636712% 
For Cash Advances, 0.0636712% 

Payment PlusMargins:      

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

The corresponding DAILY PERIODIC RATES as of April 1, 2014 are:  
                    For Purchases, 0.0581917% 

For Balance Transfers, 0.0581917% 
For Cash Advances, 0.0636712% 

First Class Margins:   

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

The corresponding DAILY PERIODIC RATES as of April 1, 2014 are:  
                    For Purchases, 0.0362739% 

For Balance Transfers, 0.0362739% 
For Cash Advances, 0.0636712% 

Index:     

Prime Rate as of April 1, 2014 is 3.25%  

       F03-M803-1-0414