‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. The account will earn five (5) points per dollar spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until you spend $50,000 annually (per calendar year) in the applicable category. Other eligible purchases will earn a Base Earn Rate of one (1) point per dollar. Each year, the account will receive Birthday Bonus Points equal to 10% of the total number of Points the account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points. The Birthday Bonus Points will be added to the account before the end of the primary cardholder's birthday month. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. Welcome bonus of 20,000 points will be awarded if $2,000 in eligible Purchases are made on your Account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request(s) or otherwise disputed. In order to obtain a "Paperless Bonus" of 10,000 bonus points, you must enroll in online banking at www.mbna.ca and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8-10 weeks for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each bonus point offer. This offer is not available to residents of Quebec. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. ✪ 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 WILL BE A TRANSACTION FEE EQUAL TO 1.00 % OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER 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). B Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and the rental period cannot exceed 31 consecutive days. The rental agency’s Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them — it is important to call before booking your car rental to confirm their insurance requirements. Refer to the "Rental Vehicle Benefits" section of your MBNA Guide to Coverage document for rental exclusions and further details. C Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your MBNA Guide to Coverage. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top up with. The day of departure from and the day of return to your province or territory of residence each count as one full day. Individuals 65 years of age and above are ineligible for coverage. D Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the full cost of your trip must be paid for using your MBNA Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your MBNA Guide to Coverage. E Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your MBNA Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your MBNA Guide to Coverage document. F This is not an insurance benefit but assistance services only. The services are provided by our Administrator. Any payments made by our Administrator will be charged to your credit card. The services are subject to conditions, limitations and exclusions that are fully described in the Guide to Coverage. ** This is a service provided by Sigma Loyalty Group Inc. Certain limitations and exclusions may apply to this service as described in the applicable Terms and Conditions. *** Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy MBNA-0620 . To be eligible for Mobile Device Insurance you must use your Account to pay all of your monthly mobile bill payments and any upfront costs or pay at least 75% of the purchase price with your Account when paying the full cost of your mobile device up front. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your Guide to Coverage. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant ®. ®Assurant is a registered trademark of Assurant, Inc. ***** Price Protection Service is not insurance but a service provided by American Bankers Insurance Company of Florida. Details are provided in the Statement of Services included with your Guide to Coverage. ~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. ¤ 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. †††† 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.