TD Bank, National Association

TD Bank, National Association TD FlexPay Credit Card

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TD FlexPay Credit Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases: 17.49%, 20.49%, 22.49%, 25.49% or 27.49%, based on your creditworthiness. All APRs will vary with the market based on the Prime Rate. APR for Balance Transfers: 0% Introductory APR for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, your APR will be 17.49%, 20.49%, 22.49%, 25.49% or 27.49% based on your creditworthiness. All APRs will vary with the market based on the Prime Rate. APR for Cash Advances: 28.74% This APR will vary with the market based on the Prime Rate. Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Interest Charges will begin to accrue on Balance Transfers and Cash Advances as of the transaction date. Minimum Interest Charge: If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Fee: None Transaction Fees: • Balance Transfers Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. • Cash Advances Either $10 or 5% of the amount of each cash advance, whichever is greater. • Foreign Transactions 3% of each transaction in U.S. dollars Penalty Fees: • Late Payment Up to $40, first late payment fee refunded every 12 billing cycles. • Returned Payment Up to $40 How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including Current Transactions).” September 2026 (00263705 2096) Notice to Active Duty Service Members and Dependents: If you would like more information regarding your account, please call us at 1-877-488-3712. How the Variable APRs on your Account are Determined: The APRs on your Account will be determined each billing cycle by adding a margin to the Index. Please see your Agreement for more information. Margins: For Purchases and Balance Transfers, 10.74%, 13.74%15.74%, 18.74% or 20.74% will be added to the Index; for Cash Advances, 21.99% will be added to the Index. Index: The APRs that apply to your Account are subject to change each Billing Cycle with changes to the Index. The Index is the Prime Rate (U.S.) as published in the Money Rates section of The Wall Street Journal. As of December 11, 2025 the Prime Rate was 6.75%. About This Credit Card Program: This credit card program is issued and administered by TD Bank, N.A. ("TD Bank") located in Wilmington, DE. Any Account opened in response to this application shall be governed by the laws of the State of Delaware. Vi sa is a registered trademark and service mark of Visa International Service Association and is used pursuant to a license. Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality and other requirements. Balance Transfers: You may be able to transfer balances from eligible credit card accounts to your Account. Balance Transfers are subject to a fee based on the amount of the transfer with a minimum fee as indicated in the Fees Table and are subject to your available credit limit. Should your Balance Transfer request be approved, the amount of the Balance Transfer transaction fee will be added to your minimum monthly payment amount in the month the balance transfer posts to your account. Each month you must pay at least the full amount of your minimum monthly payment which will include any Balance Transfer transaction fee(s) by the payment due date specified on that statement. 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. Balance Transfers may not be payable to yourself or made payable to cash. Balance Transfers may be used to pay off other creditors but cannot be used to pay off accounts owned by TD Bank or to any bank now or previously affiliated with TD Bank. It may take 2 to 4 weeks to process a Balance Transfer request after your account is opened. You must continue paying each of your creditors until the requested Balance Transfer appears on your monthly billing 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 your other creditors directly. Introductory or Promotional APRs on Balance transfers: If you take advantage of a 0% Introductory or Promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by payment due date, the amount that equals (1) your Minimum Payment Due; plus (2) the total outstanding purchase balance; plus (3) the total outstanding cash advance balance; pl us (4) the total amount of outstanding balance transfer balances that are not subject to the 0% introductory or promotion al APR; plus (5) any fees that had been assessed to the Account. 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.