Acknowledgement  
By submitting a credit card application to TD Bank, N.A. you agree to the Important 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).  

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  your  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). 

January 2016