We send TD Credit Card Overlimit Notifications to TD Primary Cardholders who are Quebec residents. We won't send these alerts to Authorized Users.

TD Credit Card Overlimit Notifications are not encrypted or password protected, and never include a link to EasyWeb. We include a minimal amount of personal and account information in these alerts.

• Alerts sent by text message will only display the last 2 digits of your credit card account number (e.g. XX34)
• Alerts sent by email will only display your name (first, middle and last) and the last 4 digits of your credit card account number (e.g. 1234)
• These alerts are not the same as alerts we may send you for stocks, ETFs and mutual funds, and TD Threshold Alerts

For security reasons, certain information including account number has been masked. TD will not ask you to provide personal information or login information, such as username, passwords, PINs, security questions and answers, or account numbers, through unsolicited texts or emails. TD will not share sensitive data through regular texts or emails nor will TD request this type of information be sent from you through regular texts or email. If you suspect an email to be fraudulent, please forward a copy to us at phishing@td.com and then delete the email. For information on email fraud and text fraud, visit our page on Recognizing Fraud.

Abbreviations and short forms used in alerts sent by text message:

• Bal – balance
• Msg – message
• Std – standard
• Txt – text
• Ur – your

• A short code is a special, abbreviated phone number used for two-way messaging, often used to send and receive text messages
• TD uses 5 digit short codes when sending text messages. TD Credit Card Overlimit Notifications will be sent from short code 83273
• Short codes are registered with the Canadian Wireless Telecommunications Association (CWTA). You can visit the CWTA website at https://www.txt.ca/en/current-short-code-programs/ to validate that the short code is registered to TD

Yes, we are required to send you a TD Credit Card Overlimit Notification for your Personal TD Credit Card when the account balance exceeds your credit limit.

If we don't have your electronic contact information or if you opt out of electronic alerts, we won't send you these alerts electronically and instead we'll send them by letter mail.

How to opt out of electronic TD Credit Card Overlimit Notifications in EasyWeb:

• Log in to EasyWeb
• Go to your Profile & Settings and select TD Alerts and Notifications
• Select the Manage tab where you can review your TD Alert notification settings and unselect both text and email message options for TD Credit Card Overlimit Notifications

How to opt out of electronic TD Credit Card Overlimit Notifications from text and email alerts:

• You can opt out by text/email only after you receive an alert. Reply STOP to a text alert and select 'Opt out' at the bottom of an email alert
• If you have replied STOP to a TD Credit Card Overlimit alert, we'll stop sending you text alerts to your mobile phone. For example, if you have two or more TD personal credit cards you will no longer receive additional text alerts for all your credit card products. This applies if you select 'Opt out' for email as well
• Opting out applies only to the mobile number or email address where you received the alert. If you change your contact details with us in the future, we will start sending alerts to your new mobile number/email as they will not be on our 'opt out' list

At this time we only send TD Credit Card Overlimit Notifications to Primary Cardholders who are Quebec residents.

You can change your mobile number and email address we have on file any time.

Changing your mobile number in EasyWeb or the TD app:

• After you log in to EasyWeb: Select Profile & Settings from the left navigation, then My Profile and then Edit Phone to update your Mobile number
• After you log in to the TD app: Select Settings from the main menu, select the View profile link to update your Mobile number

Changing your email address in EasyWeb or the TD app:

• After you log in to EasyWeb: Select Profile & Settings from the left navigation, then My Profile and then Edit Email to update your Email address
• After you log in to the TD app: Select Settings from the main menu, select the View profile link to update your Email address

If you provide both personal contacts, we will send alerts by text, email or both depending on your settings.

If we have been sending you TD Credit Card Overlimit Notifications by letter mail because we don't have your Canadian mobile number or email address, you can add your contact information at any time, select your preference for electronic delivery and we will send the alerts electronically.

If we are not sending you electronic notifications because you opted out from receiving electronic alerts, please log in to EasyWeb and update your electronic delivery preference.

Yes, we may send a TD Threshold Alert and a TD Credit Card Overlimit Notification for the same transaction to Primary Cardholders who are Quebec residents. Refer to the TD Threshold Alerts tab for more information on this type of alert.

By using your own personal mobile number and/or email address, you help ensure that the TD Credit Card Overlimit Notifications we send to you can only be accessed and seen by you.

If you would like to verify or update the contact information we have on file for you, you can do that any time in EasyWeb or the TD app.

We do not charge for sending TD Alerts, but standard wireless carrier message and data rates may apply. Please check your wireless carrier plan for your rate information.

You can opt out of these electronic alerts at any time. If you opt out, we won't send you these alerts by text or email and instead we'll send them by letter mail.