APPLE FINANCIAL SERVICES  INFORMATION BOX – this is a summary only.  See below box for full details. APP•AFS•ENG•QUE•RMI (0513)


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:
•  No Interest with Minimum Payment 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, the minimum payment and any amount over your credit limit, if any).

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

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 t     o 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.  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:  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.
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 (including  any interest on new Purchases that appear on your Statement for the first time) by paying the Balance in full by the Payment Due Date shown on your Statement (other than interest on Purchases made the “Equal Monthly Payment with Interest” Promotional  Offer where interest will be charged as described in Section 6 of the Agreement).
Interest accrues at the Preferred Rate, unless you fail to pay the Minimum  Payment by the Payment Due Date shown on your Statement two or more times in any 12 consecutive statement periods.  If that happens, interest will then accrue at the Regular Rate beginning with the first day of the statement period following  the statement period for which such failure to pay occurred for the second time and will continue to accrue at the Regular Rate until the last day of the sixth consecutive statement period for which you have made the Minimum  Payment Due by the Payment Due Date..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.
a.   “No Interest with Minimum Payment”: Interest at the Preferred Rate accrues on each Purchase from the transaction date for the Purchase, but interest that accrues during the Promotional Term will be waived if during the Promotional Term you pay the Minimum  Payment (which includes the portion of the Minimum  Payment for this Promotional Offer) each month by the Payment Due Date and if you pay the balance outstanding under this Promotional Offer by the Promotional Due Date.
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 will then be treated as Regular Credit Purchases.
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.
Clause required under the Consumer Protection Act.
(Clause of forfeiture of benefit of the term)
Before availing himself of this clause, the merchant must forward  the consumer  a notice in writing  and unless he is exempted in accordance with section 69 of the General Regulation, he must forward him a statement of account.
Within 30 days following  the receipt by the consumer of the notice and, where necessary, of the statement of account, the consumer may:
a)  either remedy the fact that he is in default;
b)   or present a motion to the court to have the terms and conditions of payment prescribed in this contract changed.
It is in the consumer’s  interest to refer to sections 104 to 110 of the Consumer Protection  Act (R.S.Q., c. P-40.1) as well as to section 69 of the General Regulation made under that Act and, where necessary, to communicate with the Office de la protection du consommateur.
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.  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.
14. 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 on or after the date of the relevant Transaction or activity.
This date may be different than the date on which the Transaction or other activity occurred.
15. 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.
16. 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.
17. 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.
18. Changing your Address: You must provide us prompt  written  notice of any change in your address, your name or other information about you.
19. 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.
20. 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 its most recent address in our records, or in some other way permitted by applicable law.  Benefits, services and coverages associated with any Card or the Account may also change or end by giving notice to the Primary Cardholder.
21. 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.
22. 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.
23. 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.
24. Severability: If any part of this Agreement is contrary to law, that part is ineffective without invalidating the rest of the Agreement.
25.  LanguageYou acknowledge having expressly required that this Agreement, the Statements and all other related documents be drafted in English.  Vous reconnaissez avoir expressément exigé que le présent contrat, les relevés et tous les autres documents s’y rapportant soient rédigés en anglais.
26. Governing Law:  This Agreement will be governed by and interpreted  in accordance with the laws of the Province of Québec.
Clause required under the Consumer Protection Act
(Contract extending variable credit for the use of a credit card)
For the purposes of this contract, the sole fact that the card has been issued replaces the merchant’s signature and the sole use of the card by the consumer replaces the consumer’s signature. In the event of loss or theft of a credit card, the consumer incurs no liability for a debt resulting from the use of such card by a third person after the issuer of the card has been notified of the loss or theft by telephone, telegraph, notice in writing  or by any other means. Even where such notice is not given, the liability  of the consumer  whose credit card has been lost or
stolen is limited to the sum of $50.
At the end of each period, the merchant, if he has a claim with regard to a consumer, must furnish  the latter with a statement of account mailed at least 21 days before the date on which he may exact credit charges if the consumer does not discharge his entire obligation;  credit charges for advances of money may start as of the date of the advance up until the date of payment. The consumer may require the merchant to forward him, without charge, a copy of the vouchers for each of the transactions described in the statement of account.
Until the consumer receives a statement of account at his address, the merchant must not exact credit charges on the unpaid balance, except on advances of money.
It is in the consumer’s interest to refer to sections 29, 123, 124, 126 and 127 of the Consumer Protection Act (R.S.Q., c. P-40.1) and, where necessary, to communicate with the Office de la protection du consommateur.

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 at the end of each payment period.  Interest is charged on overdue interest (compound interest) monthly after default.
Interest-Free Grace Period: Not less than 25 days for the Balance shown on your Statement (other than for Promotional Offers) if the Balance is 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 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 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 “No Interest with Minimum Payment” Promotional Offer with 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 during the Promotional Term you pay the Minimum Payment (which includes the portion of the Minimum Payment for this Promotional Offer) each month by the Payment Due Date and if you pay the balance outstanding under this Promotional Offer by the Promotional Due Date.
Examples of credit charges for “No Interest with Minimum Payment” Promotional Offer on the balance described below if outstanding for the entire
Promotional Term1. Calculation assumes a billing period of 31 days.

Outstanding Balance

3 Months

6 Months

12 Months

$500.00

$38.09

$76.18

$152.37

$1,000.00

$76.18

$152.37

$304.73

$1,500.00

$114.28

$228.55

$457.10

$2,000.00

$152.37

$304.73

$609.47

$2,500.00

$190.46

$380.92

$761,84

$3,000.00

$228.55

$457.10

$914.20

$3,500.00

$266.64

$533.28

$1 066.57

$4,000.00

$304.73

$609.47

$1 218.94

$4,500.00

$342.83

$685.65

$1 371.30

$5,000.00

$380.92

$761.84

$1 523.67

$6,000.00

$457.10

$914.20

$1 828.41

$7,000.00

$533.28

$1 066.57

$2 133.14

$8,000.00

$609.47

$1 218.94

$2 437.87

$9,000.00

$685.65

$1 371.30

$2 743.61

$10,000.00

$761.84

$1 523.67

$3 047.34

1 The calculation assumes 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.

TTD 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.
Financial Consumer Agency of Canada
The Financial Consumer Agency of Canada (FCAC) supervises federally regulated financial institutions, and their affiliates in certain circumstances, to ensure that they comply with federal consumer protection laws.
The FCAC also helps educate consumers, and monitors  industry codes of conduct and public commitments  designed to protect the interests of consumers.
If you have a complaint  regarding a potential violation of a consumer protection law, a public commitment,  or an industry code of conduct, you can contact  the FCAC in writing  at:  6th Floor, Enterprise Building, 427 Laurier Avenue West, Ottawa, ON K1R 1B9.  The FCAC can also be contacted  by telephone at 1-866-461-3222  (en français 1-866-461-2232)  or through its website at www.fcac-acfc.gc.ca.   Please note, the FCAC does not become involved in matters of redress or compensation – all such requests must follow the process set out above.

AC(0312)

APP•AFS•ENG•QUE•RMI (0513)