TD Visa ® Connect Card - Frequently Asked Questions

The TD Connect Card is a reloadable prepaid card that is safe, convenient and more secure than carrying cash. It works at the grocery store, the pharmacy, and when making purchases online or through your smartphone, anywhere Visa is accepted. With a TD Connect Card you can shop and pay bills online or over the phone. It lets you track purchases, set alerts and limits the amount you can spend to the amount of money on the card. Plus, you can enjoy free access at TD ATMs in the U.S. and Canada.

How does a TD Connect Card work?

The TD Connect Card is easy to fund and use.

Load your card: There are several ways to load money onto your card.

TD Connect Card website*: Load online with a TD Bank debit or credit card 24 hours a day 7 days a week.
Direct Deposit: Set up direct deposit of your paycheck, Government benefit check or tax refund in any amount desired.
TD Bank Stores: You can deposit cash or checks, or transfer funds from a TD checking or savings account, by visiting any TD Bank location.

Spend with your card: The TD Connect Card can be used for purchases big or small, anywhere Visa is accepted.

And remember you can only spend the amount of money that's on your TD Connect Card, so you'll never be charged an overdraft fee.

Stay in control of your money: Set up online account alerts on the TD Connect Card website* and keep track of your TD Connect Card account activity and balance 24 hours a day, 7 days a week, 365 days a year.

What are the benefits of owning a TD Connect Card?

Are there any fees associated with the TD Connect Card?

Yes, there are fees associated with the TD Connect Card. If you have a valid TD Bank checking account, the monthly maintenance fee is $2.99. If you do not have a valid TD Bank checking account, the monthly maintenance fee is $5.99. For the full picture of our fees please see the TD Connect Card Account Guide for an easy to follow outline of our services, fees and policies.

What are the load and purchase limits for the TD Connect Card?

After the minimum initial load of $25, there is no minimum reload amount or ongoing minimum balance requirement for the TD Connect Card. The following load and purchase limits apply to the TD Connect Card:

Amount
Initial load amount: $25.00 minimum
$5,000.00 maximum
Reload amounts: No minimum reload
$5,000.00 maximum per day
$10,000.00 maximum per 30 days
Maximum card balance: $10,000.00
Purchase amount limit: Up to $5,000.00 per transaction
ATM withdrawal and/or cash access at point of sale: $750.00 per day
$3,000.00 per week

Please see the TD Connect Card Account Guide for an easy to follow outline of our services, fees and policies.

How do I log into the TD Connect Card website for the first time?

Visit the TD Connect Card website* and click Sign In. Enter your TD Connect Card number. Verify your identity by entering the 3-digit security code printed on the back of your card followed by the last four digits of your social security number. You will then be instructed to create a Personal Identification Number (PIN). After logging in, complete your profile by providing your e-mail address, creating a username and selecting your security information.

Is the TD Connect Card a credit card?

No. The TD Connect Card is not a credit card; it is a reloadable prepaid card that you can add funds to when you want. You can only spend the amount of money you have on your card, which helps you to manage your money and eliminates overdraft fees. And we never run a credit check.

How is the TD Connect Card different from a gift card?

The TD Connect Card allows you to continue to add funds to your card. You can not add funds to a gift card and once you use all the funds on the gift card it is no longer valid. Unlike gift cards, you can use a TD Connect Card to withdraw cash at ATMs and branches and get cash back at participating merchants.

What should I do if the "Good Thru" date printed on the front of my TD Connect Card has passed?

The money on your TD Connect Card and in your TD Connect Card account never expires. TD Bank will mail you a new card before the "Good Thru" date passes. If your TD Connect Card has expired and you have not received your new card, please call Customer Service at 1-888-568-7130.

Are there any additional services and benefits that come with my TD Connect Card?

What if I have questions regarding my TD Connect Card account?

Account information may be obtained via the TD Connect Card website*. For your convenience the website, automated account information and dedicated Customer Service Representatives at 1-888-568-7130 are available 24 hours a day, 7 days a week. Or you can visit any TD Bank location.

Expand Purchasing a TD Connect Card

How do I purchase a TD Connect Card?

Getting a TD Connect Card is easy. Visit any TD Bank location to purchase a TD Connect Card – your TD Connect Card will be issued to you on the spot, with your name printed on it, and will be ready to use as soon as you walk out of the Store. If you are not issued a card on the spot or your card has been replaced, your card will arrive in the mail within 5-7 business days after it's ordered. Once received, you will need to activate your card by visiting the TD Connect Card website* or by calling Customer Service at 1-888-568-7130. Unfortunately, you cannot buy a TD Connect Card online.

Do I need to be a TD Bank Customer to purchase a TD Connect Card?

No. You do not need to be a TD Bank Customer to purchase a TD Connect Card. You may purchase a TD Connect Card at any TD Bank location and load the minimum initial balance of $25 onto the card by cash or check.

Who can purchase a TD Connect Card?

Anyone 18 years of age or older with a valid Social Security number and valid U.S. address can purchase a TD Connect Card by visiting any TD Bank location. At the time of purchase, you must put a minimum initial balance of $25 onto the card by any of the following methods: cash, check or transfer from a TD checking or savings account.

How much does it cost to purchase a TD Connect Card?

There is no fee to purchase a TD Connect Card, but you must put a minimum of $25 on the card at the time of purchase.

Can I purchase more than one TD Connect Card?

No. You may only purchase one TD Connect Card and it must be for you.

Is a checking account required?

No, a checking account is not required to purchase or fund a TD Connect Card.

Is a credit check required?

No, a credit check is not required and will not be performed.

Can I build my credit rating by using a TD Connect Card?

No, the TD Connect Card will not help you build your credit rating. The TD Connect Card is not a credit card, so there are no payments that would be reported to a credit reporting agency.

Expand Funding your TD Connect Card

How do I load money onto my TD Connect Card?

There are several ways to load money onto your card.

TD Connect Card website*: Load online with a TD Bank debit or credit card 24 hours a day 7 days a week.
Direct Deposit: Set up direct deposit of your paycheck, Government benefit check or tax refund in any amount desired.
TD Bank Stores: You can deposit cash or checks, or transfer funds from a TD checking or savings account, by visiting any TD Bank location.

Does the TD Connect Card have a minimum or maximum balance requirement?

After the initial minimum opening amount of $25, there is no minimum re-load amount for adding funds or ongoing minimum balance requirement for the TD Connect Card. The maximum amount you may have on your card at any time is $10,000.

When will funds be available to use?

Funds loaded to the TD Connect Card using a TD Bank debit or credit card or transferred from a TD checking or savings account, or cash deposited at a TD Bank Store, will be available immediately. Funds loaded to a TD Connect Card using direct deposit from another bank will be available the same day we receive the transfer. The first $100 of funds loaded to the TD Connect Card through a check deposit at a TD Bank Store will be available the same day, and any remaining balance will generally be available the next Business Day. This represents our general policy, some restrictions may apply. For specific details, please see the TD Connect Terms & Conditions.

How do I fund my TD Connect Card using my TD Bank debit or credit card?

To fund your TD Connect Card with your TD Bank debit or credit card, go to the TD Connect Card website* and log in to your account. You will need to provide your debit or credit card information and verify your billing address. Funds loaded to your card using a TD Bank debit or credit card will be available the same day the transfer is made.

How do I fund my TD Connect Card from my TD Bank checking or savings account?

To fund your TD Connect Card via a transfer from a TD Bank checking or savings account visit any TD Bank location and request the transfer. Funds loaded to your card via a transfer from a TD Bank checking or savings account will be available the same day the transfer is made. You can avoid going to a TD Bank Store by funding your card online at the TD Connect Card website* using your TD Bank debit or credit card.

How do I fund my TD Connect Card with cash or a check?

To fund your TD Connect Card with cash or check visit any TD Bank location and make a deposit. Funds loaded to your card with cash will be available immediately. The first $100 of funds loaded to the TD Connect Card through a check deposit at a TD Bank Store will be available the same day, and any remaining balance will generally be available the next Business Day. You can avoid going to a TD Bank Store by funding your card online at the TD Connect Card website* using your TD Bank debit or credit card.

What is direct deposit?

Direct deposit is a free electronic transfer of your paycheck, Government benefit check or tax refund that automatically places your check or part of your check into your TD Connect Card account.

How do I set up direct deposit?

To set up a direct deposit, visit the TD Connect Card website* and log in to your account. Here you'll find "Direct Deposit Instructions" as well as your TD Connect Card account and routing numbers. This will map out how to set up a direct deposit and includes the form you will need to complete and give to your employer's payroll department to request direct deposit of your payroll check. You can use this same form to set up a direct deposit of Government benefit checks and tax refunds.

Can I get my Federal tax refund added to my TD Connect Card account?

Yes. You can have your Federal tax refund added to your TD Connect Card account. For more details about tax refunds, please visit the IRS website.

Can I get my Federal tax refund added to my TD Connect Card account if I am filing jointly?

Yes, as long as your Social Security number is listed first on your Federal tax refund and the information on your Federal tax refund, including your full name and Social Security number, matches the information we have on file. If you are filing jointly but your Social Security number is not listed first, or if the information on your Federal tax refund does not match the information we have on file, your Federal tax refund direct deposit will not be posted to your TD Connect Card account.

Can I get my state tax refund added to my TD Connect Card account?

Yes. If your state allows direct deposits to bank accounts, you can have your state tax refunded directly deposited to your TD Connect Card account. Please consult your state for instructions.

Can I transfer funds from my TD Connect Card to another account?

No. Transfers from a TD Connect Card to other accounts or prepaid cards are not available.

Expand Using your TD Connect Card

How do I activate my TD Connect Card?

Your TD Connect Card will be issued to you on the spot 2 at a TD Bank Store, with your name printed on it, and will be ready to use immediately. You will be prompted to create your PIN the first time you visit the TD Connect Card website* or call Customer Service at 1-888-568-1730.

If for some reason you are not issued a card on the spot or your card has been replaced, your card will arrive in the mail within 5-7 business days after it's ordered. Once received, you will need to activate your card by visiting the TD Connect Card website* or calling Customer Service at 1-888-568-7130. You will be prompted for specific information to authenticate the card. The card can be used as soon as it is activated.

Who can use the TD Connect Card?

Only the person whose name is on the front of the TD Connect Card can use the card. You must be 18 years of age or older to buy and use a TD Connect Card.

Can someone else besides the cardholder use the TD Connect Card?

Absolutely not. You should keep the card and the card number under your control at all times. You should not tell anyone your PIN or card number, and you should not write your PIN on the card.

Where can I use my TD Connect Card?

The TD Connect Card is accepted for purchases wherever Visa is accepted, including online. Enjoy free access at thousands of TD ATMs in the U.S. and Canada.

Do I need a PIN to use my TD Connect Card?

There are two ways to use your TD Connect Card – you can sign for your purchases, or you can enter your PIN. Many times you will automatically be prompted to enter your PIN. If this happens, you can still choose to sign your receipt instead of entering your PIN. You simply need to tell the clerk you want to sign for your purchase and you don't want to use your PIN. Each merchant has their own process to override the PIN to ensure you can sign for your purchases. In some instances, you can sign for your purchases by selecting "credit" instead of "debit" on the terminal before conducting your payment.

What is the purpose of the chip on my TD Connect Card?

The chip embedded on the front of the card provides an additional layer of security when used at a chip-enabled terminal. For convenience, your card still has a magnetic stripe on the back to use at non-chip enabled terminals. You can continue to make purchases wherever Visa is accepted. Learn more about chip technology.

Can I use digital wallets with my TD Connect Card?

Yes, your TD Connect Card is eligible for use with digital wallets. Learn more about this convenient way to pay.

When using my TD Connect Card, should I select "credit" or "debit"?

To make a Visa signature transaction, select "credit" when conducting your transaction. You will need to sign the receipt to complete the transaction. To make a PIN transaction, select "debit" when conducting your transaction and then enter your PIN number. Participating merchants will also allow you to get additional cash back from the transaction, if you choose.

Can I withdraw cash with my TD Connect Card?

You will be allowed to withdraw cash at ATMs and to get cash back at participating retailers – many grocery stores, pharmacies and national retailers allow this. You can use any TD ATM in the U.S. and Canada and will not be charged any fees. You can also use any non-TD ATM that accepts Visa, but we will charge you a $3 fee and the bank whose ATM you are using will likely charge you surcharge fees as well. Please see the TD Connect Terms & Conditions or Account Guide for more information on fees. To withdraw cash or view your balance at an ATM, choose the "Checking" option as the account type.

Please note: ATM owners/operators may charge their own fees for ATM transactions and balance inquiries. The amount you can withdraw depends on the available funds in the card account, but you can't take out more than $3,000 per week. Be sure to know your PIN when withdrawing cash at an ATM.

How can I be sure of the balance on my TD Connect Card?

There are a few ways to check your balance. You can check your balance on the TD Connect Card website*, you can visit any TD Bank location, or you can set up the "Daily available balance" account alert and we will send you a daily e-mail and/or text message with your card balance. You can also call Customer Service at 1-888-568-7130.

Can the TD Connect Card be used to make a purchase that is larger than the balance on the card?

You cannot make purchases for amounts larger than the amount of money on your card. Occasionally a merchant will allow a purchase before checking the amount of money on your card. When they do this, it might result in your card having a negative balance. This is not very common, but if it does happen, TD Bank will automatically reduce the difference from the next deposit made to your card. An overdraft fee will not be charged. Keeping track of your balance will help you avoid this.

Can I split my purchase when paying with my TD Connect Card?

If the merchant allows, you may split your purchase and pay with your TD Connect Card and another form of payment.

How can I view where my TD Connect Card was used?

To see where your TD Connect Card was used, log into your account by visiting the TD Connect Card website*. You can also visit any TD Bank location, or set your TD Connect Card up online to receive a text or e-mail alert each time a transaction is made with your TD Connect Card. You may also call Customer Service at 1-888-568-7130.

Can I get cash back at the register when I am making a purchase with my TD Connect Card?

If the merchant supports it, you can get cash back at the register during a PIN-based purchase. Just select the "debit" payment option at the register.

If I need to return a purchase will my TD Connect Card be credited?

Any credit for a returned or exchanged purchase must come from the merchant and is subject to the merchant's policy. It may take up to 7 Business Days after we receive the credit from the merchant to add it back to your TD Connect Card account balance.

Can I use my TD Connect Card to pay bills or make payments?

Yes, your TD Connect Card makes bill payment more convenient. You can use your 16-digit TD Connect Card number to pay bills at merchants that accept Visa online, over the phone or in person.

Can the TD Connect Card have a negative balance?

A negative balance may occur if the final purchase amount the merchant submits to us is greater than the amount we originally authorized, or the merchant processes a transaction without prior authorization. For example, your TD Connect Card has an available balance of $48, you and your friends go out to dinner and your bill comes to $40 which you pay using your TD Connect Card. We authorize the transaction and your card is approved. You sign the merchant copy of the receipt and leave your server a $10 tip forgetting you only have $8 left available to you. The merchant then processes the final purchase amount of $50 and causes your TD Connect Card balance to be negative $2.

Your monthly fee will also deduct from your balance even when your available balance is less than the monthly fee. This is not very common, but if it does happen, TD Bank will automatically reduce the difference from the next deposit made to your card. An overdraft fee will not be charged. Keeping track of your balance will help you avoid this

Can I use my TD Connect Card at a gas station?

Yes. If you would like to use your TD Connect Card at a gas station, we recommend paying inside and specifying the exact amount. Some gas station terminals are set up to automatically preauthorize transactions at the pump for a predetermined amount prior to the purchase (for example, many charge $75) that may exceed the balance on your card and cause your card to be declined. The best way to avoid this is to pay inside by telling the clerk the exact amount you wish to buy before you start pumping.

Will some merchants place a hold on the money in my TD Connect Card account that is more than the actual purchase amount?

Does my TD Connect Card expire?

The money on your TD Connect Card will not expire. However, there is a "Good Thru" date printed on the front of your card. This date is needed by merchants in order to process a transaction. TD Bank will mail you a new card to the address we have on file before your card passes the "Good Thru" date.

How do I close my TD Connect Card?

If you have decided to close your TD Connect Card, please visit any TD Bank location or call Customer Service at 1-888-568-7130. Customer Service Representatives will assist you in closing the card and will reverse any remaining funds in the account to the primary funding account, if one is on file. Otherwise a check will be mailed to you. Funds will be reversed after the account has been closed for 30 days. If you would prefer a check for the remaining funds, you should remove the funding account before you call Customer Service, and advise Customer Service you would like a check for the remaining funds in your TD Connect Card account.

Expand International usage

Can the TD Connect Card be used outside of the U.S.?

Yes. You can use your TD Connect Card virtually anywhere Visa is accepted. If the purchase is not completed in U.S. dollars, it will be converted or exchanged to U.S. dollars. The exchange rate will be applied either by the network that processes the transaction or the government-mandated rate in effect for the date the network processes the transaction, which may be on a date that is different than when you actually used the card.

Please note: Popular tourist and business destinations outside the U.S. have progressed to chip-based cards. This means that on rare occasions magnetic stripe only cards may not work outside the U.S.

When travelling outside the U.S., how will I make payments for purchases?

While traveling, you can use your TD Connect Card to make purchases or to get cash at an ATM (limits apply) where Visa is accepted. You can also order foreign currency from any TD Bank at least 2 business days prior to leaving for your trip. TD Bank will also buy back any unused foreign currency when you get back from your trip.

Can I use a TD Connect Card at a bank outside the U.S. to obtain local currency?

You can withdraw local currency using your TD Connect Card at international ATMs accepting Visa cards. To reduce the risk that your card will be declined, be sure you withdraw less than the maximum ATM limit ($3,000/week) to cover conversion rates and ATM surcharge fees. Please see the TD Connect Card Terms & Conditions or Account Guide for more information on limits and fees.

Please note: Due to security risks, use of your TD Connect Card may be restricted in certain countries.

Why should I inform TD Bank that I am traveling outside the U.S.?

To help avoid an interruption in your TD Connect Card service, please let us know of your travel plans. This way we know it's you using your card. Standard limits still apply when traveling in U.S. dollars. Please see the TD Connect Card Terms & Conditions or Account Guide for more information on limits.

What are the fees for using an ATM outside the U.S.?

Please see the TD Connect Card Terms & Conditions or Account Guide for more information on fees.

What do I need to do to make sure my TD Connect Card will work outside the U.S.?

  1. Call us at 1-888-568-7130 one week in advance to tell us about your travel plans; this lets us know it is you using your card and will help you avoid an interruption in your TD Connect Card service.
  2. Load the necessary funds to your TD Connect Card.

Standard limits still apply in U.S. dollars when traveling. If you encounter any issues while traveling, please contact us 24/7 at 1-888-568-7130 or call us from outside the U.S. and Canada at 1-215-569-0518.

How can I get foreign currency for a trip I am taking abroad?

You can order foreign currency at any TD Bank and pick up your order in 2 business days.

Can I order foreign currency online?

At this time, we do not offer online ordering for foreign currency. However, you may visit your local TD Bank to place and order and then pick up within 2 business days (limits may apply).

What precautions should I take to protect my finances when traveling?

Expand Website and Personal Identification Number (PIN)

How can I manage my TD Connect Card online?

You will also be able to set up and manage account alerts including daily balance alerts.

How do I set up online access?

Visit the TD Connect Card website* and click Sign In. Enter your TD Connect Card number. Verify your identity by entering the 3-digit security code printed on the back of your card followed by the last four digits of your social security number. You will then be instructed to create a Personal Identification Number (PIN). After logging in, complete your profile by providing your e-mail address, creating a username and selecting your security information.

What should I do if I forget my username and/or password?

If you forget your username you can use your 16 digit card number and password to successfully log in. If you have forgotten your password click "Forgot Password?" then follow the prompts to retrieve or create a new password.

How do I update my personal information?

You can update your name, address or date of birth by visiting us at any TD Bank location. You can also update your address by calling Customer Service at 1-888-751-9000.

How do I check my available balance or my transaction history?

There are a few ways to check your balance and view your transaction history. You can check your balance and view transaction history on the TD Connect Card website*. You can set your TD Connect Card up online to receive a text or e-mail alert with your balance and each time a transaction is made with your TD Connect Card. You can also call Customer Service at 1-888-568-7130.

Your available balance is the amount of money that is on your card that you can spend. The card amount increases when you load funds on the card and decreases when you buy something or use an ATM. Your available balance may not reflect TD Connect Card transactions not yet processed by the merchant for payment (pending transactions).

Can I get information about my TD Connect Card account via text or e-mail?

Yes. You have the ability to set up various e-mail and/or text message alerts.

What are account alerts?

How do I set up text message alerts?

You may set up text message alerts by going to the TD Connect Card website* and logging in to your account. After you enter and confirm your text message device number, a validation code will be sent to the number you entered. When you receive the validation code you must enter it online or call Customer Service and provide the code to a representative. Once your device has been validated you can set up any desired alerts. You can also set up alerts by calling Customer Service at 1-888-568-7130.

Note: While TD Bank does not charge a fee for text message alerts your service provider may charge text fees. Please check with your wireless provider for possible fees related to text messages.

How do I stop text message alerts?

If you wish to stop text alerts, text "STOP" to 868472 or 288472.

Will I get a paper statement?

You will not receive a paper statement in the mail. All your transactions are available online on the TD Connect Card website*. If you would like a written history of account transactions, visit any TD Bank or call Customer Service at 1-888-568-7130. A fee will apply. Please see the TD Connect Card Terms & Conditions or Account Guide for more information on fees.

How do I set or change my Personal Identification Number (PIN)?

You will be automatically instructed to create your PIN the first time you call Customer Service or when you first visit the TD Connect Card website*. Your four-digit PIN will allow you to access your account at ATMs and for PIN point-of-sale transactions. You may change or reset your PIN anytime online or by calling Customer Service at 1-888-568-7130.

What can I do to keep my PIN and password secure?

To keep your PIN and password secure do not create an obvious PIN or password like your birthday or a pet's name and never give your PIN or card number to anyone. Change your PIN from time to time and do not write the PIN on your TD Connect Card.

Expand Keeping your TD Connect Card secure

What happens if my TD Connect Card is lost or stolen?

If your TD Connect Card is lost, stolen or damaged, you should visit any TD Bank Store or call Customer Service at 1-888-568-7130 immediately and follow the recorded instructions. Your TD Connect Card account will be closed so that any fraudulent activity is kept to a minimum. A new card will be sent to you within 5-7 business days after it's ordered. Once received, your new card will need to be activated and will require a new PIN to be set. You can also temporarily suspend your TD Connect Card by visiting any TD Bank Store, going to the TD Connect Card website* or by calling 1-888-568-7130.

Will I be responsible for any purchases that are made before I report my TD Connect Card lost or stolen?

Your TD Connect Card comes with Visa Zero Liability protection 1 , which means that you will not pay for any unauthorized purchases made with your card as long as they are reported promptly by contacting Customer Service at 1-888-568-7130. Certain limitations apply. Please see the TD Connect Card Terms & Conditions for more information on unauthorized purchases.

Are the funds in my TD Connect Card account FDIC insured?

Yes. All TD Connect Card funds are FDIC insured.

What if I have other questions for TD Bank not related to my TD Connect Card?

For other TD Bank inquiries, visit any TD Bank location or call us at 1-888-751-9000.

1 Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholders must notify TD Bank promptly of any unauthorized use.

2 Chip cards are not currently available for instant issue.

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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SECURITIES AND INSURANCE
NOT FDIC INSURED
NO BANK GUARANTEE
MAY LOSE VALUE

Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

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Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

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