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CROSS BORDER TD CREDIT CARD APPLICATION

RC __________________________

Workforce ID __________________________

Promo Code __________________________

Important: Please fill out all fields and print legibly to ensure your application is processed.
TransUnion Canada credit bureau is used to decision your Cross Border application.
*Indicates required field.

Application Currency (All)*:


U.S. $

CAD $

Consumer*: (check the credit card youre applying for)


TD Cash TD First ClassSM

Other TD Product Relationships:


Checking Savings Home Equity Line of Credit
Car Loan

Wealth Management

Mortgage

Personal Loan

CD or Money Market

Overdraft Protection

Other

Please Tell Us About Yourself:


First Name*

MI

Social Security Number/ITIN*

Last Name*

Social Insurance Number (optional)

Date of Birth* (MM/D D /Y Y Y Y )

Primary Phone Number *++

(must be 18 years of age, or 19 years of


age if an Alabama or Nebraska resident,
or 21 years of age if a Mississippi resident)

Secondary Phone Number ++

Email Address

Security Word*
Youll be prompted for this word when you call to activate your new card.

Are you a U.S. resident?*

Yes

Current U.S. Address*

No

Use this as my mailing address

Residential Street Address*

Apt#

City*

State*

Zip Code*

Must be a resident of PA, NY, NJ, CT, NH, ME, MA, FL, VT, DE, MD,
DC, NC, SC, VA or RI.

Are you a*:

Homeowner

Renter

Lives with relatives

Other

Time at residence: __________ Years __________ Months

Combined Monthly Housing Payment* $

Current or Most Recent Foreign Address*

Use this as my mailing address

Residential Street Address*

Apt#

City*
Are you a:

Province*
Homeowner

Renter

Lives with relatives

Postal Code* Must have a Canadian address.


Other

Time at residence: __________ Years __________ Months

Please Tell Us About Your Employer:


Employer Name
Business Phone Number
Gross Annual Income* $

Time with employer: ________ Years ________ Months


(Alimony, child support, or separate maintenance income need not
be revealed if you do not wish it considered as basis for repayment.)

Please continue to next page

Additional Cards
You will be liable for all Account transactions made and all fees incurred by Authorized Users (including without limitation interest charges). The Authorized Users have no legal obligation to make payments on the account.

First Name

MI

Last Name

First Name

MI

Last Name

First Name

MI

Last Name

Transfer Amount

Account Number

Creditor/Payable To

Payment Address: Street, City, State, Zip

Optional
Balance
Transfer

Please continue to pay all creditors until your balance transfer request appears on your statement. If your balance transfer request exceeds your assigned credit
line, we will elect to pay off creditors in the order in which they appear on your application. Each balance transfer must be at least $250. There is a fee for
Balance Transfers. If you make a balance transfer and then use your account to make new purchases you will need to pay the entire account balance (including
the transferred balances) each month in full to avoid paying interest charges on your purchases.
CREDIT CONSENT FOR CROSS BORDER APPLICATION
Applicant signing below (I , me, my or you) is applying to TD Bank, N.A. (TD Bank or Bank) for a Visa Card (Card) as indicated above.

Applicants Using Canadian Credit Bureaus:


I authorize TD Bank to obtain information and reports about me from TransUnion Canada located at P.O. Box 338, LCD1, Hamilton, ON
L8L 7W2, at the time of and any time during the application process, and on an ongoing basis, to review and verify my creditworthiness,
establish credit limits, help TD Bank collect a debt or enforce an obligation owed to TD Bank by me and/or manage and assess TD Banks
risks. Once I have a credit product with TD Bank, TD Bank may from time to time disclose information about me to credit reporting
agencies seeking such information, which helps establish my credit history and supports the credit granting and processing functions
in general. I may access and rectify any of my personal information contained in the files of TransUnion Canada by contacting them in
writing at the address noted above.
All Applicants:
In this application, I, me or my means the applicant signing below and Bank means TD Bank, N.A. and its successors and assigns. I am applying for a Visa credit card account. I
have read and agree to all of the disclosures in or with this application. I acknowledge that the IMPORTANT NOTICE section of this application includes an authorization for the Bank to obtain
credit bureau reports relating to me. I understand that if this application is approved, I will receive a copy of the Personal Credit Card Agreement that applies to my account (Agreement). Use
of the card or account indicates that I agree to be legally bound by the terms of the Agreement. I understand that my signature on this application represents my signature on the Agreement.
By submitting this application to the Bank, I also certify that no essential information has been concealed, that no misrepresentations have been made on the application and that I am at least
18 years of age, or 19 years of age if an Alabama or Nebraska resident, or 21 years of age if a Mississippi resident.

Signature ________________________________________________________

Date________________________________________

SEND COMPLETED APPLICATION TO:


Fax to:
1-855-257-3388
Attn: TD Card Services

TD Card Services:
PO Box 1435
Deposit, NY 13754-9933

Please continue to next page

TD Cash and TD First Class

Important Credit Card Terms and Conditions


Rates, fees, and other important costs of the TD Credit Cards are disclosed below. Additional fees and account terms are described in the Personal Credit Card Agreement that will be enclosed with the card if a card is
issued. TD Bank, N.A. (we, us, our, and TD Bank) is the issuer of the TD Credit Cards. TD Bank may change the terms disclosed below and in the Personal Credit Card Agreement (together, the Agreement)
at any time subject to applicable law.
Based on our evaluation of your credit report and other factors, if approved for a TD Cash Credit Card, you may receive a minimum credit line of $500 or more. If you apply for a TD Cash Credit Card and are approved,
you will receive either a Signature card if your approved credit limit is $5,000 or greater or a Platinum card if your approved credit limit is less than $5,000. Both Signature and Platinum cards have the same terms
and conditions, however our Signature card comes with added Visa Signature benefits such as complimentary 24/7 concierge, access to exclusive events, special shopping perks and more. Based on our evaluation of
your credit report and other factors, if approved for a TD First Class Credit Card, you may receive a minimum credit access line of $5,000 or more.
The information about the costs of the cards described below is accurate as of January 1, 2016. This information may change after that date. To find out what may have changed, TD Cash customers, please call
TD Bank at 1-888-561-8861. First Class customers, please call TD Bank at 1-877-GO-TD1ST (1-877-468-3178). Customers may also write to TD Card Services, P.O. Box 84037, Columbus, GA, 31908-4037 to find
out what may have changed.

Interest Rates and Interest Charges


Annual Percentage Rate
TD Cash:
(APR) for Purchases
First Class:
APR for Balance Transfers TD Cash:
First Class:
APR for Cash Advances
How to Avoid Paying
Interest on Purchases
Minimum INTEREST
CHARGE
For Credit Card Tips from
the Consumer Financial
Protection Bureau
Fees
Annual Fee
Transaction
Fees

Balance
Transfers

13.49%


This APR will vary with the market based on the Prime Rate.
0% Introductory APR for the first 12 billing cycles after Account opening.
After that, your APR will be 13.24%, 18.24% or 23.24% based on your
creditworthiness. All APRs will vary with the market based on the Prime Rate.
0% introductory APR for 12 billing cycles after Account opening. After that,
your variable APR will be 13.49%. This APR will vary with the market based
on the Prime Rate.

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.
TD Cash:
First Class:
TD Cash:

Cash Advances TD Cash:


First Class:

Penalty Fees Late Payment

based on your creditworthiness. All available APRs will vary with the market based
on the Prime Rate.

23.49%
This APR will vary with the market based on the Prime Rate.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any
interest on purchases if you pay your entire balance by the due date each month.
If you are charged interest, the charge will be no less than $1.00.

First Class:

Foreign
Transactions

1
 3.24%, 18.24% or 23.24%,

TD Cash:
First Class:
Up to $35

None
$89 Annual Fee (waived for the first year).
Either $10 or 4% of the amount of each transfer,
whichever is greater.
Either $10 or 3% of the amount of each transfer,
whichever is greater.
Either $10 or 5% of the amount of each cash advance,
whichever is greater.
Either $10 or 3% of the amount of each cash advance,
whichever is greater.
None
None

How We Will Calculate Your Balance: We use a method called Average Daily Balance (including Current transaction).
Loss of Introductory APR: If you are 60 days past due, we may end your introductory APR for Balance Transfers and apply the standard APR for Balance Transfers as stated in the Interest Rates and Interest Charges
Table to all existing and new Balance Transfer balances on the Account.
a margin to the Index. Please see your Personal Credit Card Agreement for
credit card accounts to your TD Bank Credit Card Account. Balance Transfers
Margins:
more information.
are subject to a fee based on the amount of the transfer with a minimum
TD Cash - For Purchases and Balance Transfers, 9.74%, 14.74%, or 19.74%
fee as indicated in the Fees Table and are subject to your available credit
Procedures on Opening a New Account (USA Patriot Act): To
will be added to the Index; for Cash Advances, 19.99% will be added to
limit. The minimum Balance Transfer amount is $250 (plus the applicable
help the government fight the funding of terrorism and money laundering
the Index.
Balance Transfer transaction fee for the Account).
activities, Federal law requires all financial institutions to obtain, verify and
First Class For Purchases and Balance Transfers, 9.99% will be added to
record
information
that
identifies
each
person
who
opens
an
account.
What
We may limit the number and types of credit card accounts from which we
the Prime Rate Index for Cash Advances, 19.99% will be added to the Index.
this
means
to
you:
When
you
open
an
account,
we
will
ask
for
your
name,
will allow Balance Transfers, and the times, manner, and circumstances in
Index: The APRs that apply to your Account are subject to change each
address, date of birth, and other information that will allow us to identify you.
which Balance Transfers may be requested. Balance Transfers may not be
Billing Cycle with changes to the Index. The Index is the Prime Rate (U.S.)
We
may
also
ask
to
see
your
drivers
license
or
other
identifying
documents.
payable to yourself or made payable to cash. Balance Transfers may be used
as published in the Money Rates section of The Wall Street Journal. As of
to pay off other creditors, but cannot be used to pay off accounts owned by
Card Eligibility: To be eligible for an Account, you must meet certain
01/01/2016, the Prime Rate was 3.50%.
TD Bank or to any bank now or previously affiliated with TD Bank.
minimum
income,
residency,
age,
credit
quality
and
other
requirements.
How the Variable APRs on your Account are Determined:
Should your Balance Transfer request be approved, the Balance Transfer
Balance
Transfers:
You
may
be
able
to
transfer
balances
from
eligible
The APRs on your Account will be determined each billing cycle by adding
transaction fee will be reflected on your first monthly billing statement
Please continue to next page

following the transfer. The amount of the Balance Transfer transaction


fee will be added to your minimum monthly payment amount. 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.
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.
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.
Cash Advances: Cash Advances obtained from a financial institution,
an automated teller machine, or any other party that agrees to honor the
credit card for Cash Advance purposes, and all Convenience Checks (including
Convenience Checks used to transfer balances) posted to your account are
considered Cash Advances. Cash Advances are subject to a transaction fee
(see Fee Table above) and the Cash Advance transaction fee charge will
appear on your first monthly billing statement following the Cash Advance,
and that applicable Cash Advance transaction fee amount will be added to
your minimum payment amount which will be due on the payment due date
specified on that statement.
How to Avoid Paying Interest on Purchases: We charge interest
on Balance Transfers and Cash Advances beginning on the transaction date
(see your account disclosure for the applicable APR, including any promotional
rates). We charge interest on Purchases beginning on the transactions date
unless you pay your entire balance, which includes all purchases, Cash
Advances and Balance Transfers by the payment due date each and every
month. Please see your Personal Credit Card Agreement for more details.
Credit Reports: You agree that we have a right to obtain a credit report
in connection with our review of your application and after we establish an
account, to administer the account. You agree that we may report to others
our credit experience with you. At your request we will provide the name
and address of each consumer-reporting agency from which we obtained
a report about you.
++
Your Telephone Number: When you give us your mobile phone
number, we have your permission to contact you at that number about all
of your TD Bank accounts. Your consent allows us to use text messaging,
artificial or pre-recorded voice messages and automatic dialing technology for
informational and account service calls, but not for telemarketing or sales
calls. It may include contact from companies working on our behalf to service
your accounts. Message and data rates may apply. You may contact us
anytime to change these preferences.
Information Sharing: TD Banks Privacy Policy is available online at
http://www.tdbank.com/bank/privacy_and_security.html.
Notice to California Residents: Married applicants may apply for separate
accounts.
Notice to Delaware Residents: Service charges not in excess of
those permitted by law will be charged on the outstanding balances from
month to month.
Notice to New York Residents: Information About Applying for a
Credit Card: When you sign or otherwise submit a credit application, you
are providing your consent and authorizing TD Bank, N.A. and its successors,
assigns, employees and designated agents to gather credit, employment and
other information about you, including credit bureau reports, for purposes
of evaluating your application for credit. If your application is approved
and credit is extended to you, we may take steps to re-verify any or all
of such information from time to time, including by obtaining additional
credit bureau reports, for any legitimate purpose in connection with such
extension of credit, such as for the purpose of reviewing the account,
increasing the credit line on the account, or for collecting on the account. In
addition, we will furnish information concerning your account to consumer
reporting agencies and others who may properly receive that information.
If you ask, you will be informed whether or not a consumer report was
requested, and if a report was requested, you will be informed upon
request of the name and address of the consumer reporting agency that
furnished the report. When you submit a credit application to us, you are
certifying that you have not concealed essential information for determining
your identity and creditworthiness, and that no misrepresentations have

been made on the application. If approved, you agree to abide by the


terms and conditions applicable to the account. New York Residents
may contact the New York State Department of Financial Services by
telephone or visit its website for free information on comparative credit card
rates, fees and grace periods. New York State Department of Financial
Services: 1-800-342-3736 or http://www.dfs.ny.gov.
Notice to Rhode Island and Vermont Residents: A
consumer credit report may be ordered in connection with this
application, or subsequently for purposes of review or collection of the
account, increasing the credit line on the account, or other legitimate
purposes associated with the account. If you are a Vermont resident,
you consent to the obtaining of such reports by signing or otherwise submitting a
credit application.
Notice to Married Wisconsin Residents: No provision of any
marital property agreement, unilateral statement under Section 766.59
of the Wisconsin statutes or court decree under Section 766.70, adversely
affects the interest of the creditor, TD Bank, N.A., unless the Bank, prior
to the time of the credit is granted, is furnished a copy of the Agreement,
Statement or Decree, or has actual knowledge of the adverse provision when
the obligation to the creditor is incurred. IF I AM A MARRIED RESIDENT,
CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE
INTEREST OF MY MARRIAGE OR FAMILY. Married applicants must provide
their Social Security number and address and their spouses name and
address to TD Card Services, P.O. Box 84037, Columbus, GA 31908-4037.
FOUR EASY OPTIONS TO MAKE SURE YOUR PAYMENT IS
ON TIME:
Mail your payment, accompanied by your statements payment
stub, to the following address: TD Bank, P.O. Box 16027, Lewiston,
ME 04243-9513; always allow time for us to receive your payment on
or before the due date.
Schedule an online payment at www.tdcardservices.com.
Pay in person directly to a teller at a retail location.
Payments can be made over the phone at 1-888-561-8861.
IMPORTANT INFORMATION ABOUT THE TD CASH
PROGRAM
How do I earn TD Cash Points under the TD Cash Visa Program?
You will earn one (1) TD Cash Point for each one dollar ($1.00) of all Net
Purchases made using the Credit Card.
TD Cash Points are earned on retail purchases made with the TD Cash Visa
Credit Card (Credit Card), less credits, returns, and adjustments (Net
Purchases). Balance Transfers, Cash Advances, purchases made by or for
a business or for a business purpose, purchases of travelers checks, money
orders, lottery tickets, gambling chips, wire transfers, foreign currency,
purchases or reloading of prepaid cards, or purchases of any other cash
equivalents, fees, interest charges, and unauthorized/fraudulent transactions
do not earn TD Cash Points.
Subject to the limitations noted, you will earn a total of two (2) TD Cash
Points for each one dollar ($1) of all Net Eligible dining, coffee shops, and
convenience stores purchases made and posted to your account during
a billing cycle. To qualify for the two (2) TD Cash Points, the transaction
must be assigned one of the following specified merchant category codes
(MCC): 5812 Eating Places, Restaurants; 5813 Drinking Places;
5814 Fast Food Restaurants; 5499 Miscellaneous Food Stores
Convenience Stores and Specialty Markets. Purchases made at merchants
that do not process transactions under these terms or that use incorrect
merchant category codes will not qualify for and you will not receive the two
(2) TD Cash Points. For example, purchases made outside of a convenience
store such as at an automated fuel dispenser (gas) are not eligible to receive
the two (2) TD Cash Points. In addition, coffee purchases made at other
than stand-alone, primary coffee Retailers are not eligible to receive the two
(2) TD Cash Points. These types of transactions as well as any other dining,
coffee shops and convenience stores purchases processed using an incorrect
merchant category code will only earn one (1) TD Cash Point for each one
dollar ($1) under the TD Cash Program.
How are TD Cash Points converted to Cash Back?
Your account earns points as stated above. You may choose to redeem
your points as either a statement credit, direct deposit or by having a check
mailed to you. Here is an example: $10,000 spent in dining, coffee shops or

convenience store purchases x 2.0 points/per dollar spent in those purchases


= 20,000 points. 20,000 points is redeemable for a cash back reward of
$200.
How can I redeem my TD Cash Points?
TD Cash Points may be redeemed upon the request of the primary
Account holder at specified levels for a variety of merchandise,
cash back, gift cards, and travel rewards found at tdbank.
com/cash. Specific merchandise, gift cards, and travel rewards
are subject to availability, and include only those participating partners found
at tdbank.com/cash. In order to redeem for cash back, rewards must equal
$25 or more. For details on how to receive cash back visit tdbank.com/cash
or call the Rewards Center at 1-877-745-5040.
Do TD Cash Points Expire?
For as long as the Account remains open and in good standing, TD Cash Points
will not expire and, there is no restriction to the amount of points that may be
earned annually. Your points will be forfeited if your Account is closed for any
reason, whether by you or by us. See below for additional restrictions.
Are there any restrictions on redemption of TD Cash Points?
Yes, your Account must be open and in good standing in order to redeem
TD Cash Points. If your Account is closed for any reason, by you or by TD
Bank, your participation in the TD Cash Program will be terminated and the
total balance of any unredeemed/accumulated rewards will be forfeited. You
will also forfeit any unredeemed/accumulated rewards if you cancel your
participation in the TD Cash Program or if the TD Cash Program is terminated.
We may, at our sole discretion, cancel, modify, restrict, or terminate the TD
Cash Program or any aspects or features of the TD Cash Program at any time
without prior notice. All interpretations of the TD Cash Program shall be at
our sole discretion. In the event of any fraudulent, abusive, or gaming activity
related to the TD Cash Program, as determined by us in our discretion, we
reserve the right to make adjustments to your TD Cash Points, and/or to
cancel your participation in the TD Cash Program, and/or close your Account
at any time. TD Cash Points have no cash value except when redeemed in
connection with the TD Cash Program, and may not be used in place of
payment of any portion of a required Minimum Monthly Payment or any
other required payment on a credit card or other account owed to TD Bank.
TD Cash Points may not be transferred or assigned.
The TD Cash Program may change. We may, at our sole discretion, cancel,
modify, restrict, or terminate the TD Cash Program or any aspects or features
of the TD Cash Program at any time without prior notice.
The TD Cash Program is administered and managed by Helix Global
Solutions, Inc. Helix Global Solutions, Inc. is a service provider to TD Bank,
but is not in any way affiliated with TD Bank, N.A. or Visa U.S.A. Inc., and
is solely responsible for administering and managing the TD Cash Program.
IMPORTANT INFORMATION ABOUT THE TD FIRST CLASS
VISA SIGNATURE PROGRAM
How do I earn Miles under the TD First Class Visa Signature
Program?
You earn 3 miles per each $1 on Eligible Retail Purchases charged to a
TD First ClassSM Visa Signature Credit Card Account. Eligible Retail Purchases
are purchases made at retail establishments that classify their merchant
location for Visa in any of the following categories: airlines; hotels, car
rental agencies, steamships/cruise lines; toll & bridge fees; travel agencies,
other travel and entertainment, and dining (collectively referred to as
Travel/Dining purchases). Customers will also earn 1 mile for every $1 spent
on all other purchases. Eligible purchases are tangible goods or services in
the aforementioned categories, quasi-cash purchases and/or money orders
and gift cards do not qualify. Merchants who accept Visa credit cards have a
Merchant Code based in part on the kinds of products and services they sell.
Whether or not a Merchant classifies a purchase as an Eligible Retail Purchase
is based upon the Merchant Code. Some purchases that appear to qualify
may not qualify if the Merchant processes the transaction with an ineligible
Merchant Code. Miles are posted to your Account each billing cycle based on
purchases posted to your Account within that billing cycle. Any returned items
will be deducted from the miles earned.
Are there any earning or redemption restrictions?
Yes, Balance Transfers, Cash Advances, fees (including but not limited to fees
for products that protect or insure the balances of your Account), interest
charges, disputed and unauthorized or fraudulent charges, purchases made
by or for a business or for a business purpose, account refunds, rebates, and
similar credits, do not earn miles. Your Account must be open and in good
standing in order to earn and/or redeem miles. If your Account is closed for
Please continue to next page

any reason, your participation in the Rewards Program will be terminated


and the total balance of your accumulated miles will be forfeited. You will
also forfeit any unredeemed miles if you cancel your Rewards Program
participation or the Rewards Program is terminated. We may, at our sole
discretion, cancel, modify, restrict, or terminate the Rewards Program or
any aspects or features of the Rewards Program at any time without prior
notice. All interpretations of Rewards terms and conditions shall be at our sole
discretion. In the event of any fraudulent, abusive, or gaming activity related
to the Rewards Program, as determined by us in our discretion, we reserve
the right to make adjustments to your Rewards Program mile accruals, and/
or to cancel your participation in the Rewards Program, and/or cancel your
Account at any time. First Class miles have no cash value except when
redeemed in connection with the First Class Miles program. Redemptions
can be made in any increment. Miles may not be transferred or assigned.
Program terms may change.
What are my redemption options under the TD First Class
Visa Signature program?
Miles may be redeemed as statement credits applied towards purchases
charged to your Account or, alternatively, in the form of merchandise or gift
card(s) in the manner outlined below.
Miles Redemption towards Travel/Dining purchases
You may redeem (apply) miles as statement credits towards purchases
categorized as travel/dining purchases. If you request miles redemption
within 180 days from the date a travel/dining purchase is posted to your
Account, a statement credit of 100% of the value of the miles redeemed

will be applied to your Account. For example, 15,000 First Class miles =
$150.00 credit. If you request redemption more than 180 days after a
travel/dining purchase has posted to your Account, a statement credit of
50% of the value of the miles redeemed will be applied to your Account.
Miles redemption towards non-Travel/Dining purchases
You may redeem (apply) miles as statement credits towards purchases that
are not categorized as travel/dining purchases. If you redeem less than
25,000 First Class miles, you will receive a statement credit equal to 50%
of the value of the miles redeemed. If you redeem 25,000 or more First
Class miles, you will receive a statement credit equal to 100% of the value
of the miles redeemed.
Miles redemption for merchandise and gift cards
Miles may be redeemed upon request at specified levels, for certain
merchandise and gift card options. To view a complete list of participating
partners and required miles redemption values, go to tdbank.com/
firstclassrewards. Rewards are subject to availability.
How do I redeem miles under the program?
First Class miles are only redeemable upon request. To request redemption
you must call 1-877-GO-TD1ST (1-877-468-3178). Miles will be deducted
from the miles balance available that day, and the value of those miles will
be applied to your TD First ClassSM Visa Signature Account in the form of
a statement credit. Alternatively, you may request redemption in the form
of merchandise/gift card(s) selected from the available options found at
tdbank.com/firstclassrewards.

Is there a Promotional Offer available for new First ClassSM


Visa Signature Accounts?
New accounts are accounts opened after January 1, 2015 and are eligible to
earn a one-time bonus offer of 15,000 miles after making your first purchase
within 6 months of Account opening. You will earn an additional 10,000
bonus miles if you spend $3,000 in total net purchases using your new
TD First ClassSM Visa Signature Credit Card within the first 6 months of
your credit card Account opening date. Purchases do not include balance
transfers, cash advances, fees (including but not limited to fees for products
that protect or insure the balances of your account), interest charges,
disputed and unauthorized or fraudulent charges, purchases made by or for
a business or for a business purpose, account refunds, rebates, and similar
credits. Maximum bonus accumulation for this promotional offer is 25,000
First Class bonus miles. Provided your TD First ClassSM Visa Signature Credit
Card Account is open and in good standing, bonus miles will be reflected
on your Credit Card statement 6 to 8 weeks after a qualified first purchase
and/or 6 to 8 weeks after $3,000 in total net purchases made within the
first 6 months of your credit card Account opening date. This offer is nontransferable.
Visa is a registered trademark and service mark of Visa International Service
Association, and is used by TD Bank, N.A. pursuant to license from Visa U.S.A
Inc. TD Bank, N.A. is the card issuer/creditor of the credit card program
described in these Important Credit Card Terms and Conditions.
Any account opened in response to this application shall be governed by the
laws of the State of Delaware.

Acknowledgement
By submitting a credit card application to TD Bank, N.A. you agree to the Important TD Credit Card Terms and Conditions, including the important rate, fee and cost information and the conditions of the Personal Credit Card Agreement
(a copy of which is available to you upon request and will be sent to you with your card if your application is approved), including the right of the Bank or its successors or assigns right to change terms and add new terms to the credit card
account at any time.
By activating a card or allowing an authorized person to activate or use a card or the Account, you personally agree to fully pay all amounts owed in connection with the Account as required by the Agreement. You also agree that the federal and
state courts sitting in New Castle County, Delaware shall have exclusive jurisdiction over any judicial action or proceeding relating to or arising out of the credit card account or the Agreement, and you agree to submit to the personal jurisdiction
of such courts. You also agree to waive the right to a trial by jury. You agree that the account will only be used for lawful personal, family or household purposes. You further acknowledge you are at least 18 years of age (19 years of age for
residents of Alabama or Nebraska or 21 years of age if you are a resident of Mississippi).
CONSENT TO USE CANADIAN CREDIT BUREAUS:
You acknowledge you consented to TD Bank obtaining information and reports about you from TransUnion Canada located at P.O. Box 338, LCD1, Hamilton, ON L8L 7W2, at the time of and
any time during the application process, and on an ongoing basis, to review and verify your creditworthiness, establish credit limits, help TD Bank collect a debt or enforce an obligation owed
to TD Bank by you and/or manage and access TD Banks risk. Once you have a credit product with TD Bank, TD Bank may from time to time disclose information about you to credit reporting
agencies seeking such information, which helps establish your credit history and supports the credit granting and processing functions in general. You may access and rectify any of your personal
information contained in the files of TransUnion Canada by contacting them in writing at the address noted above.
Important Notice: By signing or otherwise authorizing and submitting an application, you authorize TD Bank, N.A., its successors, assigns, employees and designated agents (together, TD Bank), to gather credit, employment and other
information about you, including credit bureau reports, that TD Bank may deem necessary or appropriate in evaluating my application for credit. If your application is approved and credit is extended to you, you further authorize TD Bank to
re-verify any or all of such information from time to time, including obtaining additional credit bureau reports, for any legitimate purpose in connection with such extension of credit, such as for the purpose of reviewing the account, increasing
the credit line on the account, or for taking collection on the account, and to furnish information concerning your account to consumer reporting agencies and others who may properly receive that information. If you ask, you will be informed
whether or not a consumer report was requested, and if a report was requested, you will be informed upon request of the name and address of the consumer reporting agency that furnished the report. You agree that all credit card applications
remain the property of TD Bank. By submitting a credit card application to TD Bank, you also certify that no essential information has been concealed and that no misrepresentations have been made on the application. If approved, you agree
to the terms and conditions applicable to the Account for which you are approved. If you apply for and receive a TD Cash card, you also agree that TD Bank and Helix Global Solutions Inc. may share information about your account transactions
with each other, for the purpose of administering and managing the rewards program.
If you have any questions about your TD Cash account, you may contact TD Bank at 1-888-561-8861. If you have any questions about your First Class account, you may contact TD Bank at
1-877-GO-TD1ST (1-877-468-3178).

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