The terminal potential difference (pd) of a cell exceeds the electromotive force (emf) when the cell is charging. The emf represents the pd across the cell's terminals with no current drawn, while terminal voltage is the pd when current is flowing. During charging, terminal voltage is calculated as V=E+Ir, where E is the emf, I is the current, and r is the internal resistance. Conversely, when not charging, terminal voltage is V=E-Ir. Understanding these relationships is crucial for analyzing battery performance in different states.