Making transactions. You and any additional cardholder can use your cards to make transactions such as cash withdrawals, purchases and any other use that we allow, including using another service provider to make an online payment on your behalf, with your permission. If you or any additional cardholder wants to make a transaction using your cards or card details, you’ll need to approve it so that we can check it’s genuine. You can do this using one of the following: • The card itself or another device, such as a mobile phone, to confirm your identity • A password, passcode, personal identifier, codes, personal identification number (PIN) • Biometric data such as voice recognition or behavioural data • A combination of the above, such as your card and PIN How we authorise your transactions When deciding whether we should authorise a transaction or not, we take into account amounts of money that have already been authorised but haven’t already been added to your account and interest, fees or charges that you might have to pay. When you make a transaction from your account, we’re not able to change or cancel it unless you withdraw your approval. You can only do this if the transaction is approved for a future date (for example, if you set up a regular payment) by contacting us or the retailer by the end of the business day before the transaction is due to be made. If you contact us to cancel a regular payment, you may also want to contact the retailer to ask them to stop requesting payments. We’ll try our best to stop the transaction from going through – but if for any reason it’s taken after you’ve asked for it not to be, we’ll refund the amount and any related interest or fees. When we may refuse transactions We may refuse to authorise a transaction if any of the following applies: • The transaction seems unusual compared with the way the card is normally used. • We reasonably suspect fraud or illegal activity. • The card is reported as lost or stolen. • We reasonably consider this is necessary to protect the security of your account. • We reasonably believe the transaction would damage our reputation. • We need to restrict the use of your account for any of the reasons set out below. • We have told you that we do not allow that type of transaction, for example, buying or trading cryptocurrencies such as Bitcoin. • The transaction relates to gambling, betting or gaming. • If any additional cardholder is no longer employed by you, we will block their transactions. Also, we may ...
Making transactions. The presentation of your card and, if required, the input of your PIN, constitutes authorization to the Bank to make transactions. You agree to follow the instructions posted for use of the ATMs and POS terminals accessible by your card. These instructions will be considered part of the Agreement. You agree not to make transactions that would overdraw any account. If, by mistake, you are permitted to make a transaction that you should not have been allowed to make, we may charge the amount involved to an account or otherwise hold you liable. When a PIN is required, you cannot make transactions without the entry of your correct PIN. Entries of an incorrect PIN may result in your card being deactivated.
Making transactions. This prospectus supplement may be used by TD Securities (USA) LLC and any other affiliate of ours in connection with offers and sales of the notes in market-making transactions. In a market-making transaction, an agent or other person resells a note it acquires from other holders after the original offering and sale of the note. Resales of this kind may occur in the open market or may be privately negotiated, at prevailing market prices at the time of resale or at related or negotiated prices. In these transactions, such agent may act as principal or agent, including as agent for the counterparty in a transaction in which TD Securities (USA) LLC or another agent acts as principal, or as agent for both counterparties in a transaction in which TD Securities (USA) LLC does not act as principal. The agent may receive compensation in the form of discounts and commissions, including from both counterparties in some cases. Other affiliates of TD (in addition to TD Securities (USA) LLC) may also engage in transactions of this kind and may use this prospectus supplement for this purpose. The aggregate initial offering price specified on the cover of this prospectus supplement relates to the initial offering of new notes we may issue on and after the date of this prospectus supplement. This amount does not include notes that may be resold in market-making transactions. The latter includes notes that we may issue going forward as well as notes we have previously issued. TD does not expect to receive any proceeds from market-making transactions. TD does not expect that any agent that engages in these transactions will pay any proceeds from its market-making resales to TD. Information about the trade and settlement dates, as well as the purchase price, for a market-making transaction will be provided to the purchaser in a separate confirmation of sale. Unless TD or an agent informs you in your confirmation of sale that your note is being purchased in its original offering and sale, you may assume that you are purchasing your note in a market-making transaction. In this prospectus supplement, the term “this offering” means the initial offering of the notes made in connection with their original issuance. This term does not refer to any subsequent resales of notes in market-making transactions.
