Financing

*Subject to credit approval.

¹ Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.

² For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their cardholder agreements for their applicable terms.

³ You may be required to provide your annual net income if we do not have your recent information on file.

The Introductory Annual Percentage Rate (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 or Purchases. The period of time when the introductory APR is in effect, “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). The Promotional Period ends on the statement date on the 6th month after your account is opened and the standard (non-introductory) variable APRs for your Account will apply to new and outstanding balances. Based on our evaluation of your credit and other factors, the standard APR for Purchases and Balance Transfers will be a variable 13.24%, 18.24% or 23.24% and 23.24% for Cash Advances. All available APRs will vary with the market based on the Prime Rate. If any required payment is 60 days past due during the Promotional Period, you may lose your right to the offer and the rates will return to the standard rates for purchases and balance transfers, which will apply to both new and outstanding balances. Complete one or more Balance Transfers totaling $1,500 or greater (“Balance Transfers” means transfers of balances made by you or any authorized user on your account from any non-TD Bank account) using your new TD credit card within 30 days of your credit card account opening date, and $25 will be automatically credited to your TD credit card account statement in January 2011. All Balance Transfers are subject to the available credit limit for the TD credit card account. The minimum Balance Transfer amount is $250 (plus the 3% Balance Transfer transaction fee, min. $10). Add one or more Authorized Users who use their card for one or more purchases on your new TD credit card account within 30 days of your credit card account opening date, and $25 will be automatically credited to your TD credit card account statement in January 2011. A payment must be made within 60 days of your credit card account opening date. You will forfeit the automatic credit(s) to your TD credit card account statement if any of the following conditions exist: (1) You do not complete at least $1,500 in new Balance Transfers within 30 days of your TD credit card account opening date. (2) Your TD credit card account is closed at the time of statement credit. (3) Your TD credit card account is in default at the time of the statement credit. (4) Your TD account is past due 90 days after being opened. Offer applicable to new TD Easy Rewards Platinum Visa, TD Cash Rewards Platinum Visa or TD Business Easy Rewards Platinum Visa accounts only and cannot be combined with any other offer. This offer expires 11/20/2010. Customers may earn up to 2 points or 2% cash back per dollar on eligible retail purchases in the categories as defined by TD Bank as dining, gas and grocery purchases for the first 6 monthly billing cycles after the Account is first opened (the Promotional Period) unless an event occurs to cause the promotion not to apply. For example, missing only two minimum payments causes the promotional offer to expire and the terms of the card to return to the standard agreement. We do not determine whether merchants correctly identify and bill transactions as being made in each particular category. However, we do reserve the right to determine which purchases qualify for the 2 points or 2% cash back bonus. Rewards will be awarded at the end of the cycle for purchases within a billing cycle. Within the promotional period applicable sale credits will be deducted from the bonus earned. Accounts must be in good standing to receive Promotion. Cash Advances obtained from a financial institution, an automated teller machine, or any other party that agrees to honor the credit card for cash advance purposes, and all Convenience Checks (including Convenience Checks used to transfer balances) posted to your account are considered Cash Advances. Cash Advances are subject to a 3% Cash Advance transaction fee, min. $10. If the total Interest Charges accrued for a monthly billing cycle (including transaction fees) are less than $1.00, the INTEREST CHARGE for that billing cycle will be $1.00. 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.