^‡These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Miles will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of Miles, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated Miles can only be redeemed in accordance with the Alaska Airlines Mileage Plan program (the “Alaska Program”). The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Alaska Program. Please visit www.alaskaair.com for complete Alaska Program terms and conditions.

^†† †† To qualify for this offer, an applicant must be approved for World Elite card and a single or combination of purchase transactions totaling at least one thousand Canadian dollars (CAD 1,000) must be made using such account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for bonus Miles to be posted to your Mileage Plan account. Account must be open and active on posting/delivery date to qualify for bonus Miles. Limit one-time bonus Miles offer (no cash value) per new account. Reissues, fraud, lost/stolen and reopened accounts do not qualify for this offer. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. Additional bonus Miles may be awarded if a completed application is submitted to an Alaska Airlines employee

^æComplimentary Checked Bag Benefit: Primary cardholders of the Alaska Airlines World Elite Mastercard® consumer credit card (“World Elite account”) who make a qualifying reservation and have an open World Elite account at the time of travel are eligible to receive a baggage allowance on qualifying reservations consisting of one (1) complimentary checked bag per passenger on the same ticket for the same Alaska Airlines flight, up to a maximum of six (6) complimentary checked bags per ticket. Qualifying reservations include flights marketed by Alaska Airlines and operated by Alaska Airlines, Horizon Air, SkyWest or PenAir (codeshare flights operated by other carriers are not eligible). Primary cardholder must be an Alaska Airlines Mileage Plan™ member. Baggage restrictions apply. See alaskaair.com/freebagfaq for complete baggage rules. Payment with the World Elite account is not required to qualify for this benefit. Offer may not be applied retroactively, and no refunds will be issued. Not applicable for passengers who already receive 1 or more free checked bags. New holders of the World Elite account, and cardholders upgrading from another Alaska Airlines credit card to a World Elite account, will be eligible for this benefit approximately 2-3 weeks after approval. This promotion is offered exclusively by Alaska Airlines. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion. For a complete explanation of this benefit, please visit www.alaskaair.com.

^†††† To be eligible for a World Elite account, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater. Additional account qualification criteria apply as set out in the application.

^**This is a service provided by American Bankers Insurance Company of Florida. Certain limitations and exclusions may apply to this service as described in the applicable Terms and Conditions.

^¤ The person in whose name MBNA has opened an account (“primary cardholder”) is solely responsible for all charges made by authorized users on the primary cardholder’s account. See the MBNA Account Agreement for more information about this and other responsibilities of the primary cardholder.

~ As a Mastercard credit card cardholder, you will receive the benefit of Zero Liability in the event of the unauthorized use of your Canadian-issued Mastercard credit card. Zero Liability is provided under specific conditions. Visit www.mastercard.ca for more information.

✪ BALANCE TRANSFERS
Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE IS NO FEE FOR THIS TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

^□(i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance, balance transfers and access Cheques from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges for a 30-Day Billing Cycle
Annual Interest Rate		Average Daily Balance
		$100	$200	$1,000
Purchases	19,99 %	$1.64	$3.29	$16.43
Balance Transfers and Access Cheques	20,99 %	$1.73	$3.45	$17.25
Cash Advances	20,99 %	$1.73	$3.45	$17.25
Purchases – Default rate	24,99 %	$2.05	$4.11	$20.54
Balance Transfers and Access Cheques – Default rate	25,99 %	$2.14	$4.27	$21.36
Cash Advance – Default rate	25,99 %	$2.14	$4.27	$21.36

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.