Important Credit Card Terms and Disclosures

As required by law, rates, fees, and other important costs of the TD Simply FlexibleSM VISA® card are disclosed below. Additional fees and account terms are described in the Credit Card Agreement (the “Agreement”) that will be enclosed with the card if a card is issued. The terms disclosed below and in the Agreement are not guaranteed for any period of time; all terms may change at any time before or after the account is opened, in accordance with the Agreement and applicable law. TD Bank, N.A. (“we,” “us,” “our,” and “TD Bank”) may change terms and add new terms and fees at any time, based on information in your credit report, market conditions, our business strategies, or for any other reason. If you are approved for a TD Simply FlexibleSM VISA® card you may receive a minimum credit line of $1,000 or a higher credit line, based on our evaluation of your credit and other factors.

The information about the costs of the card described below is accurate as of June 2008. This information may change after that date. To find out what may have changed (or to obtain a copy of the current Credit Card Agreement), please call TD Bank at 1-888-561-8861 or write to TD Bank, N.A., P.O. Box 84037, Columbus, GA 31908-4037.

TD Simply FlexibleSM VISA® Card†

0% Introductory ANNUAL PERCENTAGE RATE for the first 6 monthly billing periods after the Account is first opened (the Promotional Period) unless an event occurs to cause the Penalty APR to apply.1, 2 After the Promotional Period, the ANNUAL PERCENTAGE RATE for Purchases will be:

18.99% - for a monthly billing period in which the Minimum Monthly Payment for the prior period (generally 3% of the account balance or $10, if greater, plus fees, past ANNUAL due and overlimit amounts) is received by the Payment Due Date PERCENTAGE RATE (APR) for Purchases 13.99%- for a monthly billing period in which a payment greater than or equal to the Minimum Monthly Payment due for the prior period, that is at least 5% and not more than 9.99% of the account balance, is received by the Payment Due Date

7.99% - for a monthly billing period in which a payment greater than or equal to the Minimum Monthly Payment due for the prior period, that is at least 10% of the account balance, is received by the Payment Due Date Balance Transfers*: 0% Introductory ANNUAL PERCENTAGE RATE for the first 6 monthly billing periods after the Account is first opened (the Promotional Period) unless an event occurs to cause the Penalty APR to apply.1, 2 After the Promotional Other ANNUAL Period, the ANNUAL PERCENTAGE RATE for Balance Transfers will be: PERCENTAGE RATES (APRs) 18.99% - for a monthly billing period in which the Minimum Monthly Payment for the prior period (generally 3% of the account balance or $10, if greater, plus fees, past due and overlimit amounts) is received by the Payment Due Date 13.99%- for a monthly billing period in which a payment greater than or equal to the

† VISA is a registered trademark and service mark of Visa International Service Association, and is used by TD Bank, N.A. pursuant to license from Visa U.S.A. Inc. The TD Simply FlexibleSM VISA® card is “Powered by Paymentflex Technologies”. TD Bank, N.A. is an authorized user of Paymentflex® US Patents #5,933,817 and #6,836,764, and of the Paymentflex registered trademark. TD Bank, N.A. is the card issuer/creditor of the credit card program described in these “Important Credit Card Terms and Disclosures.”

©2007 TD Bank, N.A. Minimum Monthly Payment due for the prior period, that is at least 5% and not more than 9.99% of the account balance, is received by the Payment Due Date 7.99% - for a monthly billing period in which a payment greater than or equal to the Minimum Monthly Payment due for the prior period, that is at least 10% of the account balance, is received by the Payment Due Date

Cash Advances3: 21.99% APR

Penalty APR: 25.99% for all Purchase, Balance Transfer, and Cash Advance balances.1

Grace period for At least 21 days. repayment of balance See ■ below for explanation. for Purchases Method of computing Average Daily Balance the balance for (including new transactions) Purchases Annual fee None Minimum FINANCE $0.50^ CHARGE^ Transaction fee for For the purchase of Cash Equivalents3: 3% (minimum $10) Purchases Transaction fee for Cash 3% (minimum $10) Advances3 Transaction fee for 3% (minimum $7.50, maximum $75)* Balance Transfers* 3% of the U.S. Dollar amount of any transaction (including Purchases and Cash Transaction fee for ∆ Advances) made in a foreign currency. This fee will be in addition to any other Foreign Transactions ∆ applicable fee(s). $29 (if the Minimum Monthly Payment is not received by 5 p.m. Eastern Time on the Late Payment Fee Payment Due Date, together with the payment portion of the monthly billing statement) Overlimit Fee $29

Other fees: Statement Reprint fee: $7.00. Fast Card (emergency replacement card) fee: $25.00. Non- Sufficient Fund (Dishonored Payment) fee: $29.00.

Minimum Monthly Payment: 3% of the account balance (rounded up to the next whole dollar if applicable) or $10, whichever is greater, plus any late payment fee, overlimit fee, non-sufficient fund (dishonored payment) and other account fees, transaction fees (such as Cash Advance, Balance Transfer, and foreign transaction fees), overlimit and past due amounts.

*Balance Transfers: You may be able to transfer balances from eligible credit card accounts with higher Annual Percentage Rates to your TD Bank credit card account. We may limit the number and types of credit card accounts from which we will allow Balance Transfers, and the times, manner, and circumstances in which Balance Transfers may be requested. All Balance Transfers are subject to the available credit limit for the TD Bank credit card account. The minimum Balance Transfer amount is $250 (plus the 3% Balance Transfer transaction fee). Balance Transfers may not be used to pay amounts that are owed to TD Bank or to any bank now or previously 2 affiliated with TD Bank (including, for example, Commerce Bank). We will generally process Balance Transfer requests in the order we receive them or in the order listed in your request. It may take 2 to 4 weeks to process a Balance Transfer request after your account is opened. If the total amount of Balance Transfers requested exceeds the then-available credit limit for the account, we may refuse to process the requested Balance Transfer(s). You should continue paying each of your creditors until a requested Balance Transfer appears on the applicable account statement sent to you by your creditor as a credit. Your other credit card account(s) will not be closed even if you transfer your entire balance(s). If you want to close an account, please contact the other creditor directly. Transfers requested with Convenience Checks are processed as Cash Advances, not as Balance Transfers. If you have a dispute with a creditor and pay that creditor with a Balance Transfer or Convenience Check, you may lose certain dispute rights with that creditor.

1 Whenever your Minimum Monthly Payment is late (i.e., not received by 5 p.m., Eastern Time, on the Payment Due Date, together with the payment portion of the monthly billing statement), or you are otherwise in default under the terms of the Credit Card Agreement, we may increase the APR on the account to the Penalty APR, starting with the billing period immediately following the billing period in which the default occurred. The Penalty APR will apply to all new and outstanding balances, until the start of the first monthly billing period after all events of default under the Agreement have been cured, no new events of default have occurred, and after we have received at least one (1) monthly payment by no later than 5:00 p.m. Eastern Time on the payment due date, together with the payment portion of the monthly billing statement. Provided nothing else occurs to cause the Penalty APR to continue, the Penalty APR will then end and the standard (non-introductory) APRs will apply.

2 The Introductory APR is effective upon the initial opening of your Account and the initial issuance of a Card to you. The Introductory APR does not apply to Cash Advances. The Promotional Period does not recommence if we issue a substitute, replacement or renewal Card to you (even if the Account type and/or Account number for the substitute, replacement or renewal Card changes). When a Promotional Period ends, the standard (non- introductory) APRs for your Account will apply to new and outstanding balances, unless a Minimum Payment is late or another event occurs to cause the Penalty APR to apply.

If your account has balances with different APRs, payments are usually applied to Finance Charges and other fees, and to balances with the lowest APRs, before being applied to balances with higher APRs. This means that balances with higher APRs are not reduced until balances with lower APRs have been paid off.

3 Cash Advances obtained from a financial institution, an automated teller machine, or any other party that agrees to honor the credit card for cash advance purposes, and all Convenience Checks (including Convenience Checks used to transfer balances), and all Cash Equivalents posted to your account are considered Cash Advances. Cash Equivalents include the purchase of money orders, foreign currency, travelers checks, wire and other funds transfers, bets, lottery tickets, casino gaming chips, fines, bail bonds, and similar financial transactions and instruments.

■ The grace period (number of days from the end of a monthly billing period to the Payment Due Date) may vary from month to month, but will be at least 21 days. No periodic rate of finance charge will be imposed on new purchases posted to the account during a monthly billing period if both (a) the account balance at the end of that period is paid in full by the Payment Due Date, and (b) the account balance at the beginning of that period was zero (or a credit balance) or was paid in full by the Payment Due Date for the previous period.

^ If the total Finance Charges accrued for a monthly billing period (including transaction fees) are less than $0.50, the FINANCE CHARGE for that billing period will be $0.50.

∆ Account transactions (including Purchases and Cash Advances) made in a foreign currency will be converted to U.S. Dollars by or on behalf of Visa U.S.A. Inc. (or any of its affiliates) using its currency conversion procedures and charges then in effect, as of the date on which the transaction is first posted to the VISA system. TD Bank will also impose a 3% foreign transaction fee on the converted U.S. Dollar amount of the transaction. 3 *********************************************************************

4 Important Credit Card Terms and Disclosures

As required by law, rates, fees, and other important costs of the TD Simply Flexible BusinessSM VISA® card are disclosed below. Additional fees and account terms are described in the Credit Card Agreement (the “Agreement”) that will be enclosed with the card if a card is issued. The terms disclosed below and in the Agreement are not guaranteed for any period of time; all terms may change at any time before or after the account is opened, in accordance with the Agreement and applicable law. TD Bank, N.A. (“we,” “us,” “our,” and “TD Bank”) may change terms and add new terms and fees at any time, based on information in your credit report, market conditions, our business strategies, or for any other reason. If you are approved for a TD Simply Flexible BusinessSM VISA® card you may receive a minimum credit line of $1,000 or a higher credit line, based on our evaluation of your credit and other factors.

The information about the costs of the card described below is accurate as of June, 2008. This information may change after that date. To find out what may have changed (or to obtain a copy of the current Credit Card Agreement), please call TD Bank at 1-888-561-8861 or write to TD Bank, P.O. Box 84037, Columbus, GA 31908-4037.

TD Simply Flexible BusinessSM VISA® Card†

† VISA is a registered trademark and service mark of Visa International Service Association, and is used by TD Bank, N.A. pursuant to license from Visa U.S.A. Inc. The TD Simply Flexible BusinessSM VISA® card is “Powered by Paymentflex Technologies”. TD Bank, N.A. is an authorized user of Paymentflex® US Patents #5,933,817 and #6,836,764, and of the Paymentflex registered trademark. TD Bank, N.A. is the card issuer/creditor of the credit card program described in these “Important Credit Card Terms and Disclosures.”

©2007 TD Bank, N.A. 13.99%- for a monthly billing period in which a payment greater than or equal to the Minimum Monthly Payment due for the prior period, that is at least 5% and not more than 9.99% of the account balance, is received by the Payment Due Date 7.99% - for a monthly billing period in which a payment greater than or equal to the Minimum Monthly Payment due for the prior period, that is at least 10% of the account balance, is received by the Payment Due Date

Cash Advances3: 21.99% APR

Penalty APR: 25.99% for all Purchase, Balance Transfer, and Cash Advance balances.1

Other fees: Statement Reprint fee: $7.00. Fast Card (emergency replacement card) fee: $25.00. Non- Sufficient Fund (Dishonored Payment) fee: $29.00.

*Balance Transfers: You may be able to transfer balances from eligible credit card accounts with higher Annual Percentage Rates to your TD Bank credit card account. We may limit the number and types of credit card accounts from which we will allow Balance Transfers, and the times, manner, and circumstances in which Balance Transfers may be requested. All Balance Transfers are subject to the available credit limit for the TD Bank credit card account. The minimum Balance Transfer amount is $250 (plus the 3% Balance Transfer transaction fee). 6 Balance Transfers may not be used to pay amounts that are owed to TD Bank or to any bank now or previously affiliated with TD Bank (including, for example, Commerce Bank). We will generally process Balance Transfer requests in the order we receive them or in the order listed in your request. It may take 2 to 4 weeks to process a Balance Transfer request after your account is opened. If the total amount of Balance Transfers requested exceeds the then-available credit limit for the account, we may refuse to process the requested Balance Transfer(s). You should continue paying each of your creditors until a requested Balance Transfer appears on the applicable account statement sent to you by your creditor as a credit. Your other credit card account(s) will not be closed even if you transfer your entire balance(s). If you want to close an account, please contact the other creditor directly. Transfers requested with Convenience Checks are processed as Cash Advances, not as Balance Transfers. If you have a dispute with a creditor and pay that creditor with a Balance Transfer or Convenience Check, you may lose certain dispute rights with that creditor.

^ If the total Finance Charges accrued for a monthly billing period (including transaction fees) are less than $0.50, the FINANCE CHARGE for that billing period will be $0.50.

7 and charges then in effect, as of the date on which the transaction is first posted to the VISA system. TD Bank will also impose a 3% foreign transaction fee on the converted U.S. Dollar amount of the transaction.

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8 Important Credit Card Terms and Disclosures

As required by law, rates, fees, and other important costs of the TD Cash RewardsSM and Easy RewardsSM VISA Platinum® cards are disclosed below. Additional fees and account terms are described in the Credit Card Agreement (the “Agreement”) that will be enclosed with the card if a card is issued. The terms disclosed below and in the Agreement are not guaranteed for any period of time; all terms may change at any time before or after the account is opened, in accordance with the Agreement and applicable law. TD Bank, N.A. (“we,” “us,” “our,” and “TD Bank”) may change terms and add new terms and fees at any time, based on information in your credit report, market conditions, our business strategies, or for any other reason. If you are approved for a TD Cash RewardsSM or Easy RewardsSM VISA Platinum® card you may receive a minimum credit line of $1,000 or a higher credit line, based on our evaluation of your credit and other factors.

The information about the costs of the cards described below is accurate as of June, 2008. This information may change after that date. To find out what may have changed (or to obtain a copy of the current Credit Card Agreement), please call TD Bank at 1-888-561-8861 or write to TD Bank, P.O. Box 84037, Columbus, GA 31908-4037.

TD Cash RewardsSM or Easy RewardsSM VISA Platinum® Card†

0% Introductory ANNUAL PERCENTAGE RATE for the first 6 monthly billing periods after the Account is first opened (the Promotional Period) unless an event occurs to cause 1, 2 ANNUAL the Penalty APR to apply. After the Promotional Period, the ANNUAL PERCENTAGE RATE PERCENTAGE RATE for Purchases will be: (APR) for Purchases Either 9.99%, 14.99% or 18.99% APR (based on our evaluation of your credit and other factors) Balance Transfers*: 0% Introductory ANNUAL PERCENTAGE RATE for the first 6 monthly billing periods after the Account is first opened (the Promotional Period) unless an event occurs to cause the Penalty APR to apply.1, 2 After the Promotional Period, the ANNUAL PERCENTAGE RATE for Balance Transfers will be: Other ANNUAL Either 9.99%, 14.99% or 18.99% APR PERCENTAGE RATES (based on our evaluation of your credit and other factors) (APRs) Cash Advances3: 21.99% APR

Penalty APR: 25.99% for all Purchase, Balance Transfer, and Cash Advance balances.1

Grace period for At least 21 days. repayment of balance for See ■ below for explanation. Purchases Method of computing the Average Daily Balance balance for Purchases (including new transactions) Annual fee None Minimum FINANCE $0.50^

† VISA is a registered trademark and service mark of Visa International Service Association, and is used by TD Bank, N.A. pursuant to license from Visa U.S.A. Inc. TD Bank, N.A. is the card issuer/creditor of the credit card programs described in these “Important Credit Card Terms and Disclosures.”

©2008 TD Bank, N.A. CHARGE^ Transaction fee for For the purchase of Cash Equivalents3: 3% (minimum $10) Purchases Transaction fee for Cash 3% (minimum $10) Advances3 Transaction fee for 3% (minimum $7.50, maximum $75)* Balance Transfers* 3% of the U.S. Dollar amount of any transaction (including Purchases and Cash Transaction fee for ∆ Advances) made in a foreign currency. This fee will be in addition to any other applicable Foreign Transactions ∆ fee(s). $29 (if the Minimum Monthly Payment is not received by 5 p.m. Eastern Time on the Late Payment Fee Payment Due Date, together with the payment portion of the monthly billing statement) Overlimit Fee $29

Other fees: Statement Reprint fee: $7.00. Fast Card (emergency replacement card) fee: $25.00. Non- Sufficient Fund (Dishonored Payment) fee: $29.00.

*Balance Transfers: You may be able to transfer balances from eligible credit card accounts with higher Annual Percentage Rates to your TD Bank credit card account. We may limit the number and types of credit card accounts from which we will allow Balance Transfers, and the times, manner, and circumstances in which Balance Transfers may be requested. All Balance Transfers are subject to the available credit limit for the TD Bank credit card account. The minimum Balance Transfer amount is $250 (plus the 3% Balance Transfer transaction fee). Balance Transfers may not be used to pay amounts that are owed to TD Bank or to any bank now or previously affiliated with TD Bank (including, for example, Commerce Bank). We will generally process Balance Transfer requests in the order we receive them or in the order listed in your request. It may take 2 to 4 weeks to process a Balance Transfer request after your account is opened. If the total amount of Balance Transfers requested exceeds the then-available credit limit for the account, we may refuse to process the requested Balance Transfer(s). You should continue paying each of your creditors until a requested Balance Transfer appears on the applicable account statement sent to you by your creditor as a credit. Your other credit card account(s) will not be closed even if you transfer your entire balance(s). If you want to close an account, please contact the other creditor directly. Transfers requested with Convenience Checks are processed as Cash Advances, not as Balance Transfers. If you have a dispute with a creditor and pay that creditor with a Balance Transfer or Convenience Check, you may lose certain dispute rights with that creditor.

1 Whenever your Minimum Monthly Payment is late (i.e., not received by 5 p.m., Eastern Time, on the Payment Due Date, together with the payment portion of the monthly billing statement), or you are otherwise in default under the terms of the Credit Card Agreement, we may increase the APR on the account to the Penalty APR for at least two (2) consecutive monthly billing periods, starting with the billing period immediately following the billing period in which the default occurred. The Penalty APR will apply to all new and outstanding balances during those two consecutive monthly billing periods, or, if later, until the beginning of the third monthly billing period after all events of default under the Agreement have been cured, no new events of default have occurred, and at least two (2) consecutive monthly payments have been received by us by no later than 5:00 p.m. Eastern Time on their payment due dates, together with the payment portion of the monthly billing statement. Provided nothing else occurs to cause the Penalty APR to continue, the Penalty APR will then end and the standard (non-introductory) APR will apply.

10 2 The Introductory APR is effective upon the initial opening of your Account and the initial issuance of a Card to you. The Introductory APR does not apply to Cash Advances. The Promotional Period does not recommence if we issue a substitute, replacement or renewal Card to you (even if the Account type and/or Account number for the substitute, replacement or renewal Card changes). When a Promotional Period ends, the standard (non-introductory) APRs for your Account will apply to new and outstanding balances, unless a Minimum Payment is late or another event occurs to cause the Penalty APR to apply.

^ If the total Finance Charges accrued for a monthly billing period (including transaction fees) are less than $0.50, the FINANCE CHARGE for that billing period will be $0.50.

Important Information about the Cash Rewards and Easy Rewards programs:

If you apply for and receive a TD Easy RewardsSM VISA Platinum® card, you agree that TD Bank and Carlson Marketing Canada Ltd. may share information about your account transactions with each other, for the purpose of administering and managing the Easy Rewards program.

Cash Rewards: Cash Rewards customers may earn up to 1% cash back on eligible retail purchases charged to a TD Bank Visa Platinum personal credit card account. Cash Rewards may be redeemed (applied) as credits to the account upon request (provided the Cash Rewards available for redemption (application) correspond to $25.00 or more), or may be automatically applied as an annual account credit in January of each year after the account is first opened (provided the Cash Rewards available for application correspond to $25.00 or more). Balance transfers, cash advances, insurance premiums, fees, finance charges, disputed and unauthorized or fraudulent charges, purchases made by or for a business or for a business purpose, account refunds, rebates, and similar credits, are not eligible for Cash Rewards. Program terms may change. Please telephone Customer Service at 1-888-561-8861 for details. Cash Rewards customers in good standing may ask to have future eligible retail purchases earn Easy Rewards points instead of Cash Rewards by telephoning Customer Service at 1-888-561-8861. Customers in good standing may ask to convert Cash Rewards to Easy Rewards points, or Easy Rewards points to Cash Rewards (100 Easy Rewards points correspond to one dollar equivalent of Cash Rewards). Cash Rewards and Easy Rewards points have no cash value except when redeemed in connection with the Cash Rewards and Easy Rewards programs, and may not be used 11 in place of payment of any portion of a required Minimum Monthly Payment or any other required payment on a credit card or other account owed to TD Bank. Rewards are subject to availability, and must be redeemed no later than 90 days after the credit card account is closed to new transactions. Rewards may not be transferred or assigned. The Easy Rewards program is administered and managed by Carlson Marketing Canada Ltd.# Please see easyrewards.tdcardservices.com for details. The Cash Rewards program is administered by TD Bank, N.A.

Easy Rewards: Easy Rewards customers may earn up to 1 point per dollar on eligible retail purchases charged to a TD Bank Visa Platinum personal credit card account. Points may be redeemed upon request at certain specified levels of redemption for certain travel rewards, merchandise, and gift cards, as more fully described at easyrewards.tdcardservices.com. Balance transfers, cash advances, insurance premiums, fees, finance charges, disputed and unauthorized or fraudulent charges, account refunds, rebates, and similar credits, do not earn points. Program terms may change. Rewards are subject to availability, and must be redeemed no later than 90 days after the credit card account is closed to new transactions. Easy Rewards customers in good standing may ask to have future eligible retail purchases earn Cash Rewards instead of Easy Rewards points by telephoning Customer Service at 1- 888-561-8861. Customers in good standing may ask to convert Cash Rewards to Easy Rewards points, or Easy Rewards points to Cash Rewards (100 Easy Rewards points correspond to one dollar equivalent of Cash Rewards). Cash Rewards and Easy Rewards points have no cash value except when redeemed in connection with the Cash Rewards and Easy Rewards programs, and may not be used in place of payment of any portion of a required Minimum Monthly Payment or any other required payment on a credit card or other account owed to TD Bank. Rewards may not be transferred or assigned. The Easy Rewards program is administered and managed by Carlson Marketing Canada Ltd.# Please see easyrewards.tdcardservices.com for details. The Cash Rewards program is administered by TD Bank, N.A.

# Carlson Marketing Canada Ltd. is a leader in the marketing, travel, and hospitality industries. Carlson Marketing Canada Ltd. is not affiliated with TD Bank, N.A. or Visa U.S.A. Inc., and is solely responsible for administering and managing the Easy Rewards program.

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12 Important Credit Card Terms and Disclosures

As required by law, rates, fees, and other important costs of the TD Easy Rewards BusinessSM VISA Platinum® cards are disclosed below. Additional fees and account terms are described in the Credit Card Agreement (the “Agreement”) that will be enclosed with the card if a card is issued. The terms disclosed below and in the Agreement are not guaranteed for any period of time; all terms may change at any time before or after the account is opened, in accordance with the Agreement and applicable law. TD Bank, N.A. (“we,” “us,” “our,” and “TD Bank”) may change terms and add new terms and fees at any time, based on information in your credit report, market conditions, our business strategies, or for any other reason. If you are approved for a TD Easy Rewards BusinessSM VISA Platinum® card you may receive a minimum credit line of $1,000 or a higher credit line, based on our evaluation of your credit and other factors.

The information about the costs of the cards described below is accurate as of June 2008. This information may change after that date. To find out what may have changed (or to obtain a copy of the current Credit Card Agreement), please call TD Bank at 1-888-561-8861 or write to TD Bank, P.O. Box 84037, Columbus, GA 31908-4037.

TD Easy Rewards BusinessSM VISA Platinum® Card†

Penalty APR: 25.99% for all Purchase, Balance Transfer, and Cash Advance balances.1

13 Transaction fee for Cash 3% (minimum $10) Advances3 Transaction fee for 3% (minimum $7.50, maximum $75)* Balance Transfers* 3% of the U.S. Dollar amount of any transaction (including Purchases and Cash Transaction fee for ∆ Advances) made in a foreign currency. This fee will be in addition to any other applicable Foreign Transactions ∆ fee(s). $29 (if the Minimum Monthly Payment is not received by 5 p.m. Eastern Time on the Late Payment Fee Payment Due Date, together with the payment portion of the monthly billing statement) Overlimit Fee $29

Other fees: Statement Reprint fee: $7.00. Fast Card (emergency replacement card) fee: $25.00. Non-Sufficient Fund (Dishonored Payment) fee: $29.00.

*Balance Transfers: You may be able to transfer balances from eligible credit card accounts with higher Annual Percentage Rates to your TD Bank credit card account. We may limit the number and types of credit card accounts from which we will allow Balance Transfers, and the times, manner, and circumstances in which Balance Transfers may be requested. All Balance Transfers are subject to the available credit limit for the TD Bank credit card account. The minimum Balance Transfer amount is $250 (plus the 3% Balance Transfer transaction fee). Balance Transfers may not be used to pay amounts that are owed to TD Bank or to any bank now or previously affiliated with TD Bank (including, for example, Commerce Bank). We will generally process Balance Transfer requests in the order we receive them or in the order listed in your request. It may take 2 to 4 weeks to process a Balance Transfer request after your account is opened. If the total amount of Balance Transfers requested exceeds the then-available credit limit for the account, we may refuse to process the requested Balance Transfer(s). You should continue paying each of your creditors until a requested Balance Transfer appears on the applicable account statement sent to you by your creditor as a credit. Your other credit card account(s) will not be closed even if you transfer your entire balance(s). If you want to close an account, please contact the other creditor directly. Transfers requested with Convenience Checks are processed as Cash Advances, not as Balance Transfers. If you have a dispute with a creditor and pay that creditor with a Balance Transfer or Convenience Check, you may lose certain dispute rights with that creditor.

1 Whenever your Minimum Monthly Payment is late (i.e., not received by 5 p.m., Eastern Time, on the Payment Due Date, together with the payment portion of the monthly billing statement), or you are otherwise in default under the terms of the Credit Card Agreement, we may increase the APR on the account to the Penalty APR for at least two (2) consecutive monthly billing periods, starting with the billing period immediately following the billing period in which the default occurred. The Penalty APR will apply to all new and outstanding balances during those two consecutive monthly billing periods, or, if later, until the beginning of the third monthly billing period after all events of default under the Agreement have been cured, no new events of default have occurred, and at least two (2) consecutive monthly payments have been received by us by no later than 5:00 p.m. Eastern Time on their payment due dates, together with the payment portion of the monthly billing statement. Provided nothing else occurs to cause the Penalty APR to continue, the Penalty APR will then end and the standard (non-introductory) APR will apply.

2 The Introductory APR is effective upon the initial opening of your Account and the initial issuance of a Card to you. The Introductory APR does not apply to Cash Advances. The Promotional Period does not recommence if we issue a substitute, replacement or renewal Card to you (even if the Account type and/or Account number for the substitute, replacement or renewal Card changes). When a Promotional Period ends, the standard (non-introductory) APRs for 14 your Account will apply to new and outstanding balances, unless a Minimum Payment is late or another event occurs to cause the Penalty APR to apply.

^ If the total Finance Charges accrued for a monthly billing period (including transaction fees) are less than $0.50, the FINANCE CHARGE for that billing period will be $0.50.

Important Information about the Easy Rewards programs:

If you apply for and receive a TD Easy Rewards BusinessSM VISA Platinum® card, you agree that TD Bank and Carlson Marketing Canada Ltd. may share information about your account transactions with each other, for the purpose of administering and managing the Easy Rewards program.

Easy Rewards Business customers may earn up to 1 point per dollar on eligible retail purchases charged to a TD Bank Easy Rewards BusinessSM Visa Platinum® Account. Points may be redeemed upon request at certain specified levels of redemption for certain travel rewards, merchandise, and gift cards, as more fully described at easyrewards.tdcardservices.com. Balance Transfers, Cash Advances, insurance premiums, fees, finance charges, disputed and unauthorized or fraudulent charges, purchases that are otherwise prohibited under the terms of the Credit Card Agreement, and account refunds, rebates, and similar credits, do not earn points. Program terms may change. Rewards are subject to availability, and must be redeemed no later than 90 days after the credit card account is closed to new transactions. Easy Rewards points have no cash value except when redeemed in connection with the Easy Rewards points program, and may not be used in place of payment of any portion of a required Minimum Monthly Payment or any other required payment on a credit card or other account owed to TD Bank. Rewards may not be transferred or assigned. The Easy Rewards program is administered and managed by Carlson Marketing Canada Ltd.# Please see easyrewards.tdcardservices.com for details.

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