APPLE FINANCIAL SERVICES  INFORMATION BOX – this is a summary only.  See below box for full details. APP•AFS•ENG•ROC•RMI (1016)

Initial Credit Limit

The credit limit was provided at the time your account was approved.

Annual Interest Rates

This interest rate is in effect the day you use or activate your Account, or sign your Card.
•   Preferred Rate on Purchases: 19.99%.
Your Preferred Rate on Purchases will increase by 4.91% and the Regular Rate of 24.90% will apply if we do not receive the Minimum  Payment by the Payment Due Date shown on your Statement 2 or more times in any 12 consecutive Statement periods.
These Promotional  Rate(s) may also apply on Purchases, if offered to you, and  you are approved by us:
•   Same as Cash Promotional  Offer:  19.99% from the date of the transaction, with interest waived for 3, 6 or 12 months. We may cancel any Promotional Offer in which you are participating if you default in complying with any term of the
Cardholder Agreement including failing to make any Minimum  Payment by the Payment Due Date or failing to make any payment due under any Promotional  Offer. The Preferred Rate of 19.99% will immediately apply on the date of such default.

Interest-free Grace period

25 days
You will benefit from an interest-free grace period of 25 days on Purchases if we always receive payment in full of the
Balance, every month, by the Payment Due Date.

Determination of Interest

If interest is charged, it is calculated on the closing Balance on your Account each day, and is charged monthly  to your Account on the last day of your billing cycle (the statement period). If interest applies to your Account, it is charged from the date of the Transaction until we receive payment in full of the amount of the Transaction.

Minimum Payment

3.5% or $25.00
Your Minimum Payment will be the greater of 3.5% of the Balance of your Regular Credit Purchases or $25.00 (plus any
past due amount, any amount over your Credit Limit, if any and the Minimum  Payment due for each Promotional  Offer you may be participating  in).

Foreign Currency Conversion

Not available.

Annual Fees

No annual fee.

Other Fees

To be charged when the transaction occurs:
•   NSF (Non-Sufficient Funds):  $45.00
•   Statement Copy Charge:  $5.00
To be charged only once at the end of the statement period:
•   Overlimit:  $20.00

Applicant Terms and Conditions

The Applicant (referred to as “I”, “my” or “me”), certifies  that: (i) the information provided in connection with my application is complete and accurate; (ii) I am a resident of Canada and have reached the age of majority in the province or territory where I reside; (iii) I hereby apply for and request TD Financing Services Inc. (“TDFS”) to establish a credit card account (“Account”) to provide credit under the terms of the Cardholder Agreement provided to me and to issue and send to me a credit card (the “Card”), and renewals and replacements from time to time. Credit will be extended only if my application is approved; (iv) I acknowledge receipt of a copy of the Cardholder Agreement and Disclosure Statement prior to the extension of credit; (v) I agree to read and be bound by the Cardholder Agreement and Disclosure Statement as amended or replaced from time to time; (vi) I also agree to provide a copy of the application, Cardholder Agreement and Disclosure Statement to any Authorized User on my Account (including  if that Authorized User has signed the application) who will also read and be bound by the Cardholder Agreement and Disclosure Statement as amended or replaced from time to time; (vii) I agree and acknowledge that I am applying and will be the Primary Cardholder on the Account and I am responsible for all use of the Account and all interest, fees and other charges to my Account, including those made by any Authorized Users.
Cardholder Agreement
In this section entitled “Cardholder Agreement”, the words “you”, “your” and “yours” means each Cardholder. The words “we”, “us” and “our” and “TDFS” mean TD Financing Services Inc. and its affiliates.   If you obtain a TDFS product  that offers insurance  benefits,  “we”, “us” and “our” also mean the insurers who provide those benefits from time to time and their reinsurers.  The word “Merchant” means APPLE FINANCIAL SERVICES. Read this Agreement carefully  and keep it so you can refer to it later. You acknowledge  receipt of a copy of this Agreement at the time of signing the application and prior to the extension of credit.  Signing, activating or using your Card or Account means that you have read this Agreement and accept its terms.  This Agreement replaces any previous Agreements provided to you for the Account.
1. Definitions: In this Agreement, the words listed below have the following  meanings: “Account” means the credit card account  opened and maintained  by TDFS for the Card.
Agreement” means this Cardholder Agreement and the Disclosure Statement, as amended from time to time. “Authorized User” means a person to whom a Card has been issued at the authorization  of the Primary Cardholder. “Authorized User Card” means a Card issued to an Authorized User.
Balance” means the total amount of all Transactions, fees (including  those set out in the Disclosure Statement), interest and other amounts payable under this Agreement, less any payments or other credits which have been posted to your Account.
Card” means a credit card issued by us to access the Account and any renewal or replacement issued by us from time to time.
“Cardholder” means the Primary Cardholder and any Authorized User.
Disclosure Statement” means the disclosure  statement (Credit Card Rates and Fees), as amended from time to time, that is attached to this Agreement.
“Preferred Rate” means the annual interest rate identified as the “Preferred Rate” in the Disclosure Statement as such rate may be changed from time to time upon notice to you. “Primary Cardholder” means the person who applied for the Card as the Applicant, whose name is on the Account and to whom a Card has been issued.
Promotional Due Date” means the last day of the Promotional Term.
Promotional Offer” means a special promotional  offer that is made available to you from time to time as contemplated in Section 6 of this Agreement.
Promotional Term” means the period of time that applies to a particular Promotional  Offer, as stated in the promotional  materials or sales slips or invoices provided by the Merchant, that Purchases (including applicable fees charged by the Merchant) and any other Transactions will be subject to the terms of a Promotional Offer.
Purchase” means an advance from us that equals the purchase price of goods and services (plus applicable taxes) charged to your Account.
Regular Credit Purchase” means a Purchase, other than a Purchase that is subject to a Promotional  Offer during the Promotional  Term, but includes any outstanding  balance owing for a Purchase that is subject to a Promotional Offer after the Promotional Due Date or after a Promotional Offer is cancelled as a result of your default under this Agreement. “Regular Rate” means the annual interest rate identified as the “Regular Rate” in the Disclosure Statement, as such rate may be changed from time to time upon notice to you. “Transaction” means any use of the Card or the Account to make a Purchase (including  through a Promotional  Offer) or any other charges to the Account, including  interest charges, fees, payments, and credit or debit adjustments.

2. Use of Card and Making Payments.: You may make Purchases using your Card and any other type of Transaction that we allow from time to time wherever the Card is accepted. You authorize us to charge your Account with the amount of each Transaction.  You must sign your Card as soon as you receive it.  You agree not to use the Card or the Account for anything that is illegal or fraudulent.  We reserve the right to block use of the Card and prevent use of the Account without  telling you in advance if we suspect illegal, unauthorized or fraudulent use of the Account
If your Payment Due Date falls on a Saturday, Sunday or a holiday in the province in which your Account was opened, and we receive at least your required payment, as set out on your statement, by the next day that is not a Saturday, Sunday or holiday in the province in which your Account was opened, you will not be in default under this Agreement and that payment will be considered to be made on time.
If you use or give the Account number to someone for a Purchase or if you otherwise authorize the Account to be charged without presenting the Card or without signing a sales draft (including by mail, telephone, Internet or any other electronic method of communication),  the legal effect is the same as if you had presented the Card and/or signed a sales draft or slip.  If a Cardholder has at any time authorized a person to use the Account, the Primary Cardholder will be liable for any use of the Account by that person even though a Cardholder intended to limit that authorization  to a particular use or time.  Please read Section 14 (“Electronic Services/Use of PIN and Password with Card”) for more details about the use of your Card with a PIN or Password.
3. Statements:  Each month we send a statement (the “Statement”) to the Primary Cardholder’s address. We will not issue you a statement if there is no outstanding  Balance and there has been no activity on your Account (including any Promotional Offers where payments and interest are waived or reduced in that month).  The number of days covered by a statement is between 28 and 33 days depending on when your statement period ends. You must tell us no later than 30 days following your statement date, of any error or omission in your statement. Otherwise, you agree that your statement is correct, except for any amount that we have improperly credited to your Account which we may reverse at any time. If you do not receive your statement in any month for any reason, you must contact us to obtain the information required to meet your payment obligations.  Where there is an Authorized User, each such individual acknowledges that statements and other mailings will be sent to the address of the Primary Cardholder only.  It is therefore the responsibility of an Authorized User to obtain information from the Primary Cardholder.
4. Credit Limit and Overlimit Fee: We will determine the maximum  amount that may be charged on the Account at any time (the “Credit Limit”).  The current Credit Limit is shown on the Card carrier that you receive with your Card. Your Credit Limit may be reduced from time to time, without prior notice to you, as shown on the monthly statement.  We will not increase your Credit Limit without obtaining the express consent of the Primary Cardholder prior to doing so.  The new Credit Limit will be shown on the monthly statement that we provide to you.  The amount of credit that is available to you at any time (your “Available Credit”) is the positive difference between the Credit Limit and the Balance that is outstanding on the Account at such time.  Depending on your method of payment, it may take up to five business days before your Available Credit is increased by the amount of any payment that you make.
If the Balance owing on the Account at any time exceeds that Credit Limit, we may refuse to extend further credit until you have made a payment to bring your outstanding  Balance below your Credit Limit.  We may choose, from time to time and without notice to you, to allow the Balance that is outstanding on the Account to exceed the Credit Limit, but we are not required to do so even if we have done so before.  If we allow you to exceed the Credit Limit, the Primary Cardholder is responsible for and must pay the amount that exceeds the Credit Limit when the statement is received. Your Account may be charged an overlimit fee in the amount shown in the Disclosure Statement if you exceed your Credit Limit.   Only one overlimit  fee will be charged per statement period.  The Primary Cardholder remains liable for the entire Balance owing on the Account whether or not it exceeds the Credit Limit.
5. Interest and Grace Period: Interest accrues at the Preferred Rate on each Purchase and any other amount that is charged to your Account from the Transaction date that appears on your statement until the particular amount has been paid in full.  The order in which amounts charged to your Account are paid is described below (see Section 11 “How We Apply Payments to your Account”).  We calculate interest at the end of each payment period based on the average daily Balance. We do not charge interest on interest until after default. You can avoid paying any interest on the Balance that appears on your statement by paying the Balance in full by the Payment Due Date shown on your statement (other than interest on Purchases made under any Promotional Offers where interest will be charged as described in Section 6 (“Promotional Offers and Interest on Promotional Offers”)of this Agreement).
The number of days between the Statement Date and the Payment Due Date shown on your monthly statement is the Grace Period.  The minimum  Grace Period is 25 days.
6. Promotional Offers and Interest on Promotional Offers: We may from time to time make available to you in connection  with a Purchase one of the special promotional  offers described below (each, a “Promotional Offer”).  Each Promotional  Offer is subject to the terms of this Agreement and to any additional terms contained in any promotional  material and/or sales drafts or slips provided by the Merchant for Purchases subject to the particular Promotional Offer.
If you default in complying with any term of this Agreement, including failing to make any Minimum  Payment by the Payment Due Date or failing to make any payment due under any Promotional  Offer, we may, without notice to you, cancel each Promotional  Offer in which you are participating  effective on the date that such default occurred.  On that date the Promotional Term will end and all Purchases (and any fees charged for those Purchases) will then be treated as Regular Credit Purchases.
(a) “Same as Cash”:  Interest at the Preferred Rate accrues on each Purchase (and any fees charged for the Purchase) from the transaction date for the Purchase, but interest that accrues during the Promotional Term will be waived if you pay the balance outstanding under this Promotional Offer by the Promotional Due Date.
7. Fees: You authorize us to charge your Account, where applicable, with the fees shown on the Disclosure Statement.
8. Minimum Payment: You may pay your Balance in full at any time. However, each month you must pay at least that portion of your Balance shown as the Minimum  Payment by the Payment Due Date shown on your statement. The Minimum  Payment is calculated in the manner outlined in the Disclosure Statement.
9. Good Standing:  Your Account  is considered  to be in good standing  when you are in compliance  with all terms of this Agreement. Your Account  will not be in good standing  if you fail to make any Minimum  Payment (as shown on your statement) by the Payment Due Date or fail to comply with any other term.
10. Our Rights if you Default  If you do not make the Minimum  Payment on the Payment Due Date, or otherwise do not comply with this Agreement, or if anything occurs which causes us to believe that you will be unable to make payment or otherwise not be able to comply with this Agreement:
a)  the entire Balance will, at our option, become due and payable despite any other provision of this Agreement, together with interest at the annual interest rate then applicable on the Balance, or, if different interest rates apply at that time to different portions of the Balance, then at the annual interest rate then applicable to the particular portion of the Balance,
b)  we may, without notice to you, deduct money from any other account that you have with us or any of our affiliated companies and use it to pay the amount that is owing to us, and c)  you must pay all our legal expenses, on a solicitor and own client basis (including all legal fees charged by our own internal legal counsel) that we incur to collect or attempt to
collect what is owing to us.
11. How We Apply Payments to Your Account: We apply your Minimum  Payment in this order:  interest; insurance premiums;  fees; tax on insurance premiums;  and Purchases. If the amount you pay at any time exceeds the Minimum  Payment that is then due, such excess payment will be applied in this order:  (1) to amounts appearing on your monthly statement carrying the highest rate of accruing interest and then to other such amounts in descending order based on the interest rate accruing on those amounts, provided that if you have a balance owing under a Promotional  Offer (whether or not interest is accruing on that balance) under which an amount is required to be paid before the end of the second billing cycle following  the billing cycle in which such excess payment is made, we will apply such excess payment first against such required payment before we apply it in the above order in this paragraph (1), unless your Promotional Offer specifically provides otherwise; (2) after application under paragraph (1) above, if you have any other Promotional  Offers outstanding under which any payment thereunder is not due until after the end of the second billing cycle in which such excess payment is made, to any such Promotional Offers beginning with the oldest of such Promotional Offers; and then to (3) unbilled amounts carrying the highest rate of interest and then to other unbilled amounts in descending order based on the interest rate applicable to those amounts.
12. Benefits and Optional services: We, or third parties, may make special services or benefits available to you which may be subject to additional terms and conditions.  All such benefits and services may be modified or cancelled without notice to you.  We are not responsible or liable for any product or service supplied by third parties.  Subject to applicable laws, if you have enrolled in optional credit insurance, insurance premiums (plus applicable taxes) are treated as a Transaction, unless the promotional  material or sales slip indicates otherwise.
13. Security Interest:  You hereby give TDFS a security interest in any items you or any Authorized User purchase using your Account and the proceeds thereof, including insurance proceeds (the “Collateral”). Additionally, you authorize us to file any financing statements showing our security interest in the Collateral without your signature and further agree we hold a purchase money security interest in the Collateral. Any item of Collateral will remain as security for all Purchases until such time as the Purchase for that item of Collateral is completely paid for.  Where permitted by law, you waive the right to receive a copy of any financing statement or financing change statement registered by us.
14. Electronic Services/Use of PIN and Password with Card: The following  provisions  apply if we allow you to access or use the Card or the Account (with or without a personal identification code such as a Personal Identification Number (PIN), and/or Password), over the phone, on the Internet or other electronic service or if we allow you to access or use the Account using your Card with a PIN or Password and/or not sign a sales draft.
a)  Protecting your Card/PIN/Password:  You are responsible  for the care and control  of the Card and any personal identification  number (PIN) or password  (Password)  that may be provided to you with your Card.  You must maintain them safely at all times which includes: keep possession of the Card; keep your PIN and Password separate from your Card; take all reasonable precautions to ensure that no one finds out your PIN or Password, including while you key in your PIN or Password at any point-of-sale terminal; keep your PIN and Password strictly confidential; avoid such PIN or Password combinations  that may be easily determined by others, such as birthdays, phone numbers, age, Social Insurance Number, etc.; ensure that each PIN or Password is unique; and contact us immediately if your Card is lost or stolen PIN or Password becomes known to an unauthorized person. Your Card, PIN and Password are reserved strictly  for your own use. If they are used by someone else, you will be required to prove that you took all reasonable precautions to protect these items.
b) Your responsibility for use of the Card, PIN and Password: You are responsible for the full amount of all authorized activity resulting from use of the Card, and Card with PIN or Password for any service by any person.  You are responsible for the full amount of all unauthorized activity with respect to any service which occurs before we receive notification  that your PIN, Password or Card was lost or stolen or that your PIN or Password may have become known to an unauthorized person. On receiving such notice from you we will promptly block the Card’s ability to access the Account or any services we may offer.
15. Account activity:  Our records  will be conclusive proof of use of the Account or electronic services and will be considered your written request to perform the Transaction. Even though you may be provided with a Transaction receipt, verification or confirmation number, the following applies to all Transactions or other activity on the Account:
•   our acceptance, count and verification of Transactions will be considered correct and binding unless there is an obvious error; and
•   Transactions or other activity on the Account may be credited or debited by us to the Account on a date determined by us.  This date may be different than the date on which the
Transaction or other activity occurred.
16. Your Liability for Unauthorized Use of Cards: You must notify us immediately  by telephone or in writing  of any actual or suspected loss, theft or unauthorized  use of your Card or
Account. If you report your Card lost or stolen, you will not be liable for any unauthorized transactions that occur after you notify us. We may require you to pay up to a maximum of
$50.00 for any unauthorized amounts charged to your Account before you notify us. However, if the Account is used with a personal identification  code such as the Cardholder’s Personal
Identification Number (PIN), Connect ID and/or Password, the Primary Cardholder will be liable for the full amount of all unauthorized Transactions which occur before notification.
17. Problems with Merchants: We are not responsible if, for any reason, your Card is not honoured. If you have problems regarding any product or service purchased through the use of your Card, you must settle the problem directly with the merchant (including  the Merchant). Even if you have a problem with a merchant (including  the Merchant), you must make at least the monthly Minimum  Payment by the Payment Due Date shown on your statement in order to keep your Account in good standing and you remain responsible for the Balance. We shall not be liable for any loss or damage incurred as a result of our inability to authorize or process any Transaction or for taking any other action contemplated by law.
18. Credits from Merchants:  If a merchant (including  the Merchant) issues you a credit note, we credit it to your Account on the day we receive it.   However, if we have charged you any interest as a result of the original Transaction, we will not refund this interest to you.
19. Changing your Address: You must provide us prompt  written  notice of any change in your address, your name or other information about you.
20. Cancellation: We have the right at any time without notifying you in advance, unless required by law, to:
•   cancel any Card on your Account;
•   cancel any Promotional Offers;
•   withdraw your rights and privileges in respect of your Card and Account; and require the immediate return or destruction of all Cards.
You may also cancel this Agreement by telling us in writing.  Upon cancellation, you are not entitled to use your Card or Account and must repay any outstanding  Balance and accrued interest immediately. We may deduct money from any other account that you have with us or any of our affiliated companies, and use it to pay the amount that you owe us, without notice to you. You must pay all legal fees and expenses that we incur to recover amounts under this Agreement, as permitted by applicable law.  Even if we have withdrawn your rights and privileges on your Card and Account, this Agreement remains in effect, for as long as any Balance is owing on the Account.
21. Changes to this Agreement:  We may make changes to this Agreement, including  the interest rate and fees, by giving  notice of the change to the Primary  Cardholder, at their most recent address in our records, or in some other way. Benefits, services and coverages associated with any Card or the Account may also change or end by giving notice to the Primary Cardholder.
22. Cancellation of Authorized User Card(s):  We may cancel an Authorized  User Card or withdraw  or limit  access to the Account at any time without  telling you in advance.  The Primary Cardholder may also cancel an Authorized User Card by providing us with notice in writing  instructing  us to cancel the Authorized User Card and confirming  that the Authorized User Card is in the possession of the Primary Cardholder or has been destroyed.  In either case, cancelling an Authorized User Card will not affect the Primary Cardholder’s obligation to pay all amounts owing on the Account before such cancellation.  The Primary Cardholder will continue to be responsible for and will pay us for all amounts owing on the Account for any Purchases or other Transactions incurred by any Authorized User.
23. Card Ownership:  Your Card is owned by TDFS. You do not have the right to assign or transfer your rights  and obligations  under this Agreement, your Card or your Account to anyone else, but your obligations shall be binding on your estate and legal representatives.
24. Assignment: We may sell, assign or transfer all or some of our rights or obligations under this Agreement, without notice to you. In connection with any sale, assignment or transfer, we may give Information about you and your Account to the purchaser or transferee.
25. Severability:  If any part of this Agreement is contrary to law, that part is ineffective without invalidating the rest of the Agreement.
26. Governing Law:  This Agreement will be governed by and interpreted  in accordance with the laws of the province or territory  in Canada where you resided when this Agreement was entered into and the laws of Canada, as applicable. If you have not resided in Canada, this Agreement will be governed by and interpreted  in accordance with the laws of the Province of Ontario and Canada, as applicable.

DISCLOSURE STATEMENT – CREDIT CARD RATES AND FEES The information in this Disclosure Statement is current to the date of your application.
Annual Interest Rate – 19.99% (the “Preferred Rate”) or 24.90% - (the “Regular Rate”)
See Section 5 (“Interest and Grace Period”) and Section 6 (“Promotional Offers and Interest on Promotional Offers’) of the Agreement. Examples of Monthly Credit Charges based on billing period of 31 days.

Average Daily Balance

$ 500.00

$ 1,000.00

$ 1,500.00

$ 2,000.00

$ 2,500.00

$ 3,000.00

$ 3,500.00

$ 4,000.00

$ 5,000.00

Monthly credit charges based on the
Preferred Rate of 19.99%

$ 8.49

$ 16.98

$ 25.47

$ 33.96

$ 42.44

$ 50.93

$ 59.42

$ 67.91

$ 84.89

Monthly credit charges based on the
Regular Rate of 24.90%

$ 10.57

$ 21.15

$ 31.72

$ 42.30

$ 52.87

$ 63.44

$ 74.02

$ 84.59

$ 105.74

Minimum Monthly Payment: The Minimum  Payment due each month as shown on your statement is calculated in the following manner:
• the greater of $25.00 or 3.5% of the Balance of your Regular Credit Purchases; plus
• the minimum payment, if any, due for each Promotional Offer
For purposes of clarification,  the Balance appearing on your statement will include any past due amounts and any amount over your Credit Limit. You may also prepay all or part of the Balance at any time without any prepayment charge or penalty.
How Interest is Calculated:  Interest accrues daily on any amount that is charged to your Account from the date that it is charged to your Account until the particular amount has been paid but may be waived or reduced in accordance with the terms of a Promotional Offer. See Section 6 (“Promotional Offers and Interest on Promotional Offers”) of the Agreement. Interest is calculated daily. Interest is charged on overdue interest (compound interest) monthly after default.
Interest-Free Grace Period:  Not less than 25 days for new Purchases under the Regular Credit Purchases which appear on your statement for the first time and fees which appear on your statement for the first time if the Balance shown on your statement (other than for Promotional Offers that are in good standing) is always paid in full by the Payment Due Date shown on your statement.  See Section 5 (“Interest and Grace Period”) of the Agreement for more information  about your Grace Period and how you can avoid paying interest.   This Interest-Free Grace Period does not apply to Purchases and fees that are subject to a Promotional Offer unless specified in that Promotional Offer. See Section 6 (“Promotional Offers and Interest on Promotional Offers”) of the Agreement and “Promotional Offers” below in this Disclosure Statement for details on how interest is applied to Purchases and fees under a Promotional  Offer.

Statements:  You will receive a statement each month which will cover a period of from 28 to 33 days depending on when your billing cycle ends. Maximum Liability for Unauthorized Use of Card: We may require you to pay us up to $50.00 for any unauthorized use of your Card, until we receive notice from you of the loss, theft or unauthorized use of your Card.
Promotional Offers: You may be offered Promotional  Offers from time to time. These Promotional  Offers are subject to this Agreement, including  this
Disclosure Statement, and any terms indicated in the promotional materials or sales slips or invoices provided by the Merchant.
For each “Same as Cash” Promotional Offer with a Promotional Term for a 3, 6 or 12 month Promotional Term, Interest at the Preferred Rate accrues on each Purchase (and any fees charged for the Purchase) from the transaction date for the Purchase, but interest that accrues during the Promotional Term will be waived if you pay the balance outstanding under this Promotional Offer by the Promotional Due Date.
Examples of credit charges for “Same as Cash” Promotional Offers on the balance described below if outstanding for the entire Promotional Term1.

Outstanding Balance

3 Months

6 Months

12 Months

$500.00

$25.47

$50.93

$101.87

$1,000.00

$50.93

$101.87

$203.73

$1,500.00

$76.40

$152.80

$305.60

$2,000.00

$101.87

$203.73

$407.47

$2,500.00

$127.33

$254.67

$509.33

$3,000.00

$152.80

$305.60

$611.20

$3,500.00

$178.27

$356.53

$713.07

$4,000.00

$203.73

$407.47

$814.93

$4,500.00

$229.20

$458.40

$916.80

$5,000.00

$254.67

$509.33

$1,018.67

1 The calculation assumes a 31 day billing cycle and that the outstanding balance is not paid in full by the Promotional  Due Date.  If the outstanding balance is paid in full by the Promotional  Due Date, interest is waived on your Purchases that are subject to this Promotional  Offer. See Section 6 (“Promotional Offers and Interest on Promotional Offers”) of the Agreement for details.  Credit charges are calculated at the Preferred Rate of 19.99%.
Other Fees
NSF Fee:                               $45.00  for each cheque or other payment item which is dishonoured.
Statement Copy Charge:     $5.00 for each additional copy of an Account statement or other Account documentation.
Overlimit Fee:                 $20.00 if you exceed the Credit Limit  on the Account,  we may charge you this Overlimit  Fee.  Only one Overlimit  Fee will be charged per statement period.
TD FINANCING SERVICES PROBLEM RESOLUTION PROCESS
If you have a problem or concern you may contact a Customer Service Representative by telephone, fax, mail or email.
Telephone: 1-866-508-6312   Fax: 1-800-869-0791
Mail:  TD Financing Services Inc. PO Box 4676, Station A  Toronto, ON M5W 6A4
Email*: customerfeedback@td.com.
Please include your full name, address and telephone number in your communication.
*For your protection, do not send confidential information via email, as it is NOT a secure method of communication. If your request is urgent or requires disclosure of confidential information for resolution, please call the appropriate number. For a more detailed overview of our complaint process visit us at www.td.com.
AC(0312)

 

APP•AFS•ENG•ROC•RMI (1016)