TD Canada Trust

Line of Credit Agreement

Date: October 5, 2018

TD Canada Trust Line of Credit Account Number: XXXX389

Customer Information
SALAH UDDEEN KHAN

Email Address:
sequencerz@gmail.com

Information Box: This is a summary only. Please see below this box for full details.

Initial Credit Limit $ 11,500.00

Annual Interest Rate 8.19% as of today
Your interest rate is expressed as today's TD Prime Rate* plus a rate variance.
Your interest rate is the TD Prime Rate + 4.49%
As of October 5, 2018, the TD Prime Rate is 3.70%
Your interest rate will vary automatically if and when the TD Prime Rate varies.
* TD Prime Rate is the floating annual interest rate announced from time to time by
us as our reference rate of interest for the determination of interest rates that we will
charge to customers of varying degrees of creditworthiness for Canadian dollar
commercial loans made by us in Toronto, Ontario and that we publish from time to
time as a point of reference.

Date from which You are charged interest from the day you withdraw or request money, until you
Interest is charged pay the money back in full.
Interest is calculated on the daily balance.
There is no interest-free grace period.

Minimum Payment 1% or Interest Only or $50.00

Your minimum payment will be the greater of:
(a) 1% of the outstanding balance owing;
(b) the amount of interest accrued or charged for the last monthly billing period, as
shown on your monthly statement; or
(c) $50.00.

Foreign Currency Not Applicable

Conversion

Annual Fees No annual fee

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 Other Fees To be charged when the transaction occurs:
Cheque Certification: $ 10.00
Returned or refused payment due to insufficient funds: $ 45.00
Stop Payment (cheque or preauthorized debit): $ 12.50
Investigations, copies of items more than 90 days old
(e.g. copy of account history, cheque copies, transaction
receipts): $ 15.00 per request
To be charged only once at the end of the statement period:
Overlimit Fee: $ 20.00

Disclosure Statement
The following information respecting your TD Canada Trust Line of Credit (the "Line of Credit") must be read together with the Terms
and Conditions which follow. Together they form the agreement (the "Agreement") for your Line of Credit.
Credit Limit
$ 11,500.00
Interest Rate
Variable Annual Interest Rate: 3.70% (TD Prime Rate today)
+ 4.49%
= 8.19% (the Variable Annual Interest Rate today)
Minimum Monthly Payment
The minimum amount that you must pay to us every month (the "Minimum Monthly Payment") is the greater of:
(a) 1% of the outstanding balance owing;
(b) the amount of interest accrued or charged for the last monthly billing period, as shown on your monthly statement; or
(c) $50.00.
This means if your Outstanding Balance is $50 or less, you must pay the Outstanding Balance in full.
At our option we may demand payment in full of the Outstanding Balance even if you have made each Minimum Monthly Payment.
Monthly Statements
We will provide you with a statement of account monthly for your Line of Credit. If in any month you have not made a borrowing or
payment under your Line of Credit and the balance on your Line of Credit is $0.00, we will not provide you with a statement of account for
that monthly period. In the event of any inconsistency between this Agreement and the monthly statement (other than for express
amendments made to this Agreement in the monthly statement), this Agreement will govern.
Default Charges
If you fail to pay the Minimum Monthly Payment on the payment due date shown on your monthly statement or if you do not pay the
Outstanding Balance in full when we demand payment of it, you must:

· reimburse us for the full amount of all legal costs and other expenses which we incur to collect the amount that you owe to us
· pay us $ 45.00 in respect of each cheque or other payment instrument that you have used to make a payment but that was
dishonoured.

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Service Charges
You agree to pay the following charges/fees when applicable:

· Dishonoured payments/withdrawals: a fee of $45.00 will be charged if a payment to your Line of Credit is returned due to
insufficient funds or any other reason, or a cheque or other item is drawn on your Line of Credit but returned due to insufficient
credit available. If we choose to honour the cheques or other item, causing the Outstanding Balance on your Line of Credit to exceed
the Credit Limit, the Line of Credit will then be subject to the overlimit fee.
· Overlimit fee: a fee of $20.00 for each overlimit transaction allowed, to a maximum of one fee per month, if an item (cheques,
pre-authorized payments, bill payments, etc.) drawn on your Line of Credit results in the Outstanding Balance exceeding the Credit
Limit.
· Investigations, copies of items more than 90 days old (e.g. copy of account history, cheque copies, transaction receipts):
$15.00 per request.
· Cheque Certification: $10.00.
· Stop Payment (cheque or pre-authorized payment drawn on the Line of Credit): $12.50.

Direction to Pay Funds

You direct us to pay the following from your Line of Credit:

Balance: Available to use $ 11,500.00

Additional Information
If you require information about your Line of Credit, you may call a Customer Service Representative toll free at 1-800-285-3189 during
normal business hours.
Acceptance/Agreement
If more than one person accepts this Agreement, you are liable both individually and collectively as a group for payment of the Outstanding
Balance. Any one of you may terminate the right of anyone else to withdraw funds under your Line of Credit, but if that occurs, we may
review the availability of the Line of Credit to you.
Your acceptance means that:

· the information that you provided in this Agreement is complete and correct
· you understand and accept this Agreement, including the following Terms and Conditions
· you have received a completed copy of this Agreement

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Authorization Re: Pre-Authorized Debit
You (which in this section only of this Agreement also includes any person who has signed below as holder of a PAD Account (defined
below)) authorize us to debit your account indicated below or such other replacement account as indicated on a new void specimen cheque
provided by you (each, a "PAD Account"), with the amount of each regular installment payment of principal and interest on the due date
thereof, and any other amounts that you may owe to us from time to time under this Agreement. The amount and timing of these regular
payments are as set out in the section of the Agreement titled Payment Information. In each case, if the date that such debit is to be made is
not a business day, then the debit will be made on the next business day.

TD Canada Trust Account: XXXXXXXX720

THE FOREGOING PAYMENT AMOUNTS AND THE DUE DATES THEREOF MAY CHANGE, BUT BY SIGNING THIS PAD
AUTHORIZATION YOU WAIVE ANY REQUIREMENT THAT WE PROVIDE YOU WITH PRIOR NOTICE OF ANY SUCH
CHANGE(S). You also authorize us from time to time to debit the PAD Account for prepayments and other amounts, which authorization
will require a password, secret code or other equivalent of your signature which will constitute valid authorization for the Processing
Institution to debit the PAD Account for such amounts. You acknowledge that this Authorization is for the purposes of personal
pre-authorized debits.
You acknowledge that this Authorization is being provided for our benefit and the benefit of the Processing Institution, and is being
provided in consideration of such Processing Institution agreeing to process pre-authorized debit requests (each, a "PAD") against the PAD
Account in accordance with the rules of the Canadian Payments Association.
You may cancel this Authorization at any time by giving 30 days prior notice to the TD Canada Trust Branch indicated above. Such notice
may be in writing or may be given orally (if we are able to verify your identity). If you cancel this Authorization and do not provide us with
alternative pre-authorized debit instructions acceptable to us at least two weeks before the next date that a debit is to be made, you must still
arrange for payments to be made in accordance with the terms of the Agreement. This Authorization only applies to the method of payment
under this Agreement and neither this Authorization nor cancellation thereof affects your obligations under this Agreement. To obtain a
sample cancellation form, or for more information on your right to cancel a PAD agreement, you may contact your financial institution or
visit www.payments.ca.
You acknowledge: (i) that this authorization to us also constitutes delivery thereof by you to the Processing Institution, and (ii) that the
Processing Institution is not required to verify that each PAD submitted by us has been issued in accordance with this Authorization
(including the amount) or that the purpose of the payment for which a PAD was made has been fulfilled as a condition of honouring a PAD.
You may dispute a PAD if: (i) it was not drawn in accordance with this Authorization or (ii) you have cancelled this Authorization. In order
to be reimbursed for a disputed PAD, you must provide a written declaration that either (i) or (ii) above took place, and deliver it to the
Processing Institution within 90 days after the date that the disputed PAD was posted to the PAD Account, and if you do not, the disputed
PAD must be resolved between yourself and us. You have certain recourse rights if any debit does not comply with this Authorization. For
example, you have the right to receive reimbursement for any debit that is not authorized or is not consistent with this Authorization. To
obtain more information on your recourse rights, you may contact your financial institution or visit www.payments.ca.
You warrant to us on a continuing basis that all persons whose signatures are required to deal with the PAD Account have signed this
Authorization or have provided a separate authorization, and you agree to provide us with updated information in writing concerning any
change to the PAD Account.
You may contact us by mail at the branch address provided at the beginning of this Credit Agreement, by telephone at 1-866-222-3456
(English) or 1-800-895-4463 (French) or by email at customer.service@td.com.

Date Date

Signature of PAD Account Holder Signature of PAD Account Holder

Date Date

Signature of PAD Account Holder Signature of PAD Account Holder

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Customer Resolution Process
If you have a problem or concern you may call us toll free at 1-866-222-3456, email us at customer.service@td.com* or visit us at any
branch. For a more detailed overview of our complaint process visit us at www.td.com.
Financial Consumer Agency of Canada (FCAC)- If you have a complaint regarding a potential violation of a consumer protection law, a
public commitment, or an industry code of conduct, you can contact the FCAC in writing at: 6th Floor, Enterprise Building, 427 Laurier
Ave. West, Ottawa, Ontario KlR 1B9. The FCAC can also be contacted by telephone at 1-866-461-3222 (en francais 1-866-461-2232) or
through its website at www.fcac-acfc.gc.ca. Please note the FCAC does not become involved in matters of redress or compensation.
*E-mail disclaimer: For your protection, do not send confidential or personal information (e.g., Access Card number, account numbers, etc.) via e-mail, as it is not a secure
method of communication. If your request is urgent or requires disclosure of confidential or personal information for resolution, please call us.

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 Terms and Conditions
Definitions
In this Agreement,
"we", "our", "us" and "TD Canada Trust" refers to
The Toronto-Dominion Bank.
"you" and "your" refers to the Customer(s) named above.
"Credit Limit" means your initial credit limit specified above, subject to
adjustment by us from time to time.
"Outstanding Balance" means the total amount that you have borrowed
from us by withdrawing funds under your Line of Credit plus all accrued
interest, and Default Charges (described above) and Service Charges that
you owe to us but that have not been paid, less all amounts that you have
repaid to us.
"Statement Period" means the period of time covered by a monthly
statement which describes all transactions that have occurred on your Line
of Credit in that time period.
"TD Overdraft Protection Rate" means the annual interest rate adjusted
by us periodically and charged on overdrafts to Canadian dollar personal
chequing accounts maintained in Canada.
"TD Prime Rate" means the floating annual interest rate announced from
time to time by The Toronto-Dominion Bank as its reference rate of interest
for the determination of interest rates that it will charge to customers of
varying degrees of creditworthiness for Canadian dollar loans made by it in
Toronto, Ontario.
1. Access to Credit
You may obtain funds under your Line of Credit by any method that we
establish from time to time. We may choose, from time to time and without
notice to you, to allow the Outstanding Balance to exceed the Credit Limit,
but we are not required to do so even if we have done so before. If we
allow you to exceed the Credit Limit, you are responsible for and must pay
the amount that exceeds the Credit Limit as required and your Line of
Credit may be charged an overlimit fee in the amount described above.
2. Minimum Monthly Payment
You will pay us the Minimum Monthly Payment on the payment due date
shown on your monthly statement, but you must still pay us the Minimum
Monthly Payment even if you have not received your monthly statement. If
at any time the Outstanding Balance exceeds your Credit Limit, you must
repay the greater of: (a) the overlimit amount or (b) the Minimum Monthly
Payment plus arrears, as identified above on the earlier of the date that we
require you to pay such amount or your next monthly payment due date.
3. Interest
Interest is charged from the day that any amount is charged to the Line of
Credit (whether a borrowing or Default Charges described above) and is
calculated on the Outstanding Balance on each day at the Variable Annual
Interest Rate that is in effect on each day, until the Outstanding Balance is
paid in full. If the Outstanding Balance exceeds your Credit Limit, interest
will be charged daily on such excess amount at the TD Overdraft Protection
Rate from and after the first monthly payment due date that such excess
arose. We calculate interest daily on the basis of a year of 365 days
including February 29 in a leap year, with the result that the annual interest
rate that we charge during a yearly period that includes February 29 will be
equal to the Variable Annual Interest Rate or the TD Overdraft Protection
Rate, as applicable, in effect on each day in that yearly period multiplied by
366 and divided by 365. This results in slightly more interest being charged
in such period, but when converted to an annual interest rate that is rounded
to the nearest 1/8th of 1 percent, the effective annual interest rate for such
yearly period will be the same as the rate that we have disclosed to you.
Interest will continue to be payable by you at the applicable interest rate
after:
· we demand payment in full
a default occurs under this Agreement
·
· we obtain a judgement against you
Accrued interest will be added to and form part of the Outstanding Balance
on the last day of each monthly Statement Period. Since interest is charged
on the Outstanding Balance each day, this means that compound interest is
charged daily beginning on the last day of the most recent completed
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Statement Period even though you are not required to make your Minimum
Monthly Payment until the payment due date shown on your monthly
statement and even though you may have authorized us to automatically
debit the PAD Account on the first business day of the new Statement
Period.
4. How We Apply Your Payments
We will apply each of your payments first to reduce the Outstanding
Balance and then to repay Other Charges and any Default Charges not yet
billed to you.
5. Additional Costs and Expenses
You agree to pay the costs and expenses described above under Default
Charges and Service Charges.
6. Payments on Your Line of Credit
If you have not authorized us to debit the PAD Account with the amounts
that you owe to us under this Agreement, you may make payments to us by
cash, cheque or any other method that is acceptable to us.
If there are insufficient funds in the PAD account or if any other payment
that you make to us is not sufficient to pay the amount that you owe to us at
such time and you do not make alternative payment arrangements with us,
we may charge any amount that you owe to us to your Line of Credit or
apply the balance, if any, of any other accounts that you have with us, TD
Mortgage Corporation, TD Pacific Mortgage Corporation or The Canada
Trust Company, to satisfy any of your obligations under this Agreement.
7. Our Rights Upon Default
If you do not pay us the Outstanding Balance after we have demanded
payment of that amount, we may exercise any rights that we have against
you to recover any amount that you owe to us under this Agreement.
8. Verification of Statement
Examine your monthly statement immediately to be sure it is accurate. You
must notify us in writing within thirty (30) days of the statement date if
you have any questions or errors to report.
If we do not receive such notice from you within such thirty (30) days:
· You lose your right to dispute any information appearing on your
statement, including, without limitation, as a result of any alleged
forgery, negligence, fraud, breach of trust or lack of authorization.
You agree to accept our records as conclusive proof that the monthly
·
statements are authentic, complete and correct.
If we determine that we have improperly credited an amount to your Line
of Credit, we can adjust your balance at any time, regardless of when we
discover the error.
9. Our Right to Refuse Credit
We may refuse to permit any withdrawal under your Line of Credit that
would increase your Outstanding Balance or cause you to exceed your
Credit Limit. We are not required to give you reasonable notice before
refusing you credit at any time. If we allow you to exceed your Credit
Limit at any time, we do not give up any of our rights, including our right
to refuse you further credit without notice in the future, and the amount of
such excess will not constitute an adjustment to your Credit Limit.
10. Providing Information
You agree to provide us with additional personal financial information for
payment of our obligations under this Agreement as we may request from
time to time.
11. Changing this Agreement
We may from time to time change the provisions of this Agreement by prior
written notice to you, including changes to the amount of any fee or charge,
the Credit Limit or the rate of interest that we charge over the TD Prime
Rate to arrive at the Variable Annual Interest Rate. We will send you written
notice of any change to this Agreement (except any change in the TD Prime
Rate) to your address as shown in our records. Such written notice may be
provided to you in your monthly statement.
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12. Changing TD Prime Rate and Overdraft Protection Rate
We may post a public notice in our branches and offices of changes to the
TD Prime Rate or the TD Overdraft Protection Rate. Public notice in such
cases will serve as "written notice" to all customers.
13. Our Hold Funds Policy
When you make a payment by cheque to the Line of Credit, you may not be
able to access the full amount of the funds from that payment immediately,
if that cheque is subject to a "hold". For full details on our hold funds
policy, please ask at any TD Canada Trust branch. Your access to those
funds, or a portion of them, will be restricted. You will not be able to
withdraw money from the Line of Credit in relation to those funds being
held, and we may not pay any of your cheques or pre-authorized debits
from those funds until the end of the hold period.
14. Communication
It is your responsibility to provide us with your current address and to
notify us when it changes. We will notify you about cost of borrowing
disclosure matters in the manner as you may direct from time to time. We
will notify each of you about all other matters by communication with any
one of you. Communication with any one of you will serve as notice to all.
We will send communications, including statements and notices, by
ordinary, uninsured mail to the last address you provided. We may use
other means, including hand delivery, to communicate with you if
necessary. If mailed, information is deemed to be received by you five (5)
days after mailing. If delivered, information is deemed to be received by
you when delivered or left at the last address you provided.
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15. Continuing Effectiveness of this Agreement
We may assign the amounts that you owe to us from time to time under this
Agreement, with or without the benefit of this Agreement, to any other
financial institution or other entity or person without your consent, but you
may not assign this Agreement without our consent. This Agreement is also
binding upon and benefits our successors and your heirs and personal
representatives.
16. Governing Law
This Agreement shall be governed by, and construed in accordance with,
the laws of the province in which the TD Canada Trust Branch is located.
17. English Language (for Customers in Quebec)
The parties confirm that it is their express wish that this Agreement and all
amendments and other documents related thereto be drawn up in English.
Les parties confirment leur volonté que la présente convention ainsi que
tout amendement et tout autre document s'y rattachant soient rédigés en
langue anglaise.
523158-C (03/18)
 TD Canada Trust
Privacy Agreement

In this Agreement, the words "you" and "your" mean any person, or that person's authorized representative, who has requested from us, or
offered to provide a guarantee for, any product, service or account offered by us in Canada. The words "we", "us" and "our" mean TD Bank
Group ("TD"). TD includes The Toronto-Dominion Bank and its world-wide affiliates, which provide deposit, investment, loan, securities,
trust, insurance and other products or services. The word "Information" means personal, financial and other details about you that you
provide to us and we obtain from others outside TD, including through the products and services you use.
You acknowledge, authorize and agree as follows:

Collecting and Using Your Information

At the time you request to begin a relationship with us and during the course of our relationship, we may collect Information including:
· details about you and your background, including your name, address, contact information, date of birth, occupation and other
identification
· records that reflect your dealings with and through us
· your preferences and activities.

This Information may be collected from you and from sources within or outside TD, including from:
· government agencies and registries, law enforcement authorities and public records
· credit reporting agencies
· other financial or lending institutions
· organizations with whom you make arrangements, other service providers or agents, including payment card networks
· references or other information you have provided
· persons authorized to act on your behalf under a power of attorney or other legal authority
· your interactions with us, including in person, over the phone, at the ATM, on your mobile device or through email or the Internet
· records that reflect your dealings with and through us.
You authorize the collection of Information from these sources and, if applicable, you authorize these sources to give us the Information.

We will limit the collection and use of Information to what we require in order to serve you as our customer and to administer our business,
including to:
· verify your identity
· evaluate and process your application, accounts, transactions and reports
· provide you with ongoing service and information related to the products, accounts and services you hold with us
· analyze your needs and activities to help us serve you better and develop new products and services
· help protect you and us against fraud and error
· help manage and assess our risks, operations and relationship with you
· help us collect a debt or enforce an obligation owed to us by you
· comply with applicable laws and requirements of regulators, including self-regulatory organizations.

Disclosing Your Information

We may disclose Information, including as follows:
· with your consent
· in response to a court order, search warrant or other demand or request, which we believe to be valid
· to meet requests for information from regulators, including self-regulatory organizations of which we are a member or participant,
or to satisfy legal and regulatory requirements applicable to us
··to suppliers, agents and other organizations that perform services for you or for us or on our behalf
to payment card networks in order to operate or administer the payment card system that supports the products, services or accounts you
have with us (including for any products or services provided or made available by the payment card network as part of your product,
services or accounts with us), or for any contests or other promotions they may make available to you
· on the death of a joint account holder with right of survivorship, we may release any information regarding the joint account up to the
date of death to the estate representative of the deceased, except in Quebec where the liquidator is entitled to all account information up
to and after the date of death
· when we buy a business or sell all or part of our business or when considering those transactions
· to help us collect a debt or enforce an obligation owed to us by you
· where permitted by law.

Sharing Information Within TD

Within TD we may share Information world-wide, other than health-related Information, for the following purposes:
· to manage your total relationship within TD, including servicing your accounts and maintaining consistent Information about you
· to manage and assess our risks and operations, including to collect a debt owed to us by you
· to comply with legal or regulatory requirements.

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You may not withdraw your consent for these purposes.
· Within TD we may also share Information world-wide, other than health-related Information, to allow other businesses within TD
to tell you about products and services. In order to understand how we use your Information for marketing purposes and how you
can withdraw your consent, refer to the Marketing Purposes section below.

Additional Collections, Uses and Disclosures

Social Insurance Number (SIN) - If requesting products, accounts or services that may generate interest or other investment income, we
will ask for your SIN for revenue reporting purposes. This is required by the Income Tax Act (Canada). If we ask for your SIN for other
products or services, it is your option to provide it. When you provide us with your SIN, we may also use it as an aid to identify you and to
keep your Information separate from that of other customers with a similar name, including through the credit granting process. You may
choose not to have us use your SIN as an aid to identify you with credit reporting agencies.
Credit Reporting Agencies and Other Lenders - For a credit card, line of credit, loan, mortgage or other credit facility, merchant services,
or a deposit account with overdraft protection, hold and/or withdrawal or transaction limits, we will exchange Information and reports about
you with credit reporting agencies and other lenders at the time of and during the application process, and on an ongoing basis to review and
verify your creditworthiness, establish credit and hold limits, help us collect a debt or enforce an obligation owed to us by you, and/or
manage and assess our risks. You may choose not to have us conduct a credit check in order to assess an application for credit. Once you
have such a facility or product with us and for a reasonable period of time afterwards, we may from time to time disclose your Information
to other lenders and credit reporting agencies requesting such Information, which helps establish your credit history and supports the credit
granting and processing functions in general. We may obtain Information and reports about you from Equifax Canada Inc., Trans Union of
Canada, Inc. or any other credit reporting agency. You may access and rectify any of your personal information contained in their files by
contacting them directly through their respective websites www.consumer.equifax.ca and www.transunion.ca. Once you have applied for
any credit product with us, you may not withdraw your consent to this exchange of Information.
Fraud - In order to prevent, detect or suppress financial abuse, fraud, criminal activity, protect our assets and interests, assist us with any
internal or external investigation into potentially illegal or suspicious activity or manage, defend or settle any actual or potential loss in
connection with the foregoing, we may collect from, use and disclose your Information to any person or organization, fraud prevention
agency, regulatory or government body, the operator of any database or registry used to check information provided against existing
information, or other insurance companies or financial or lending institutions. For these purposes, your Information may be pooled with data
belonging to other individuals and subject to data analytics.
Insurance - This section applies if you are applying for, requesting prescreening for, modifying or making a claim under, or have included
with your product, service or account, an insurance product that we insure, reinsure, administer or sell. We may collect, use, disclose and
retain your Information, including health-related Information. We may collect this Information from you or any health care professional,
medically-related facility, insurance company, government agency, organizations who manage public information data banks, or insurance
information bureaus, including MIB Group, Inc. and the Insurance Bureau of Canada, with knowledge of your Information.
With regard to life and health insurance, we may also obtain a personal investigation report prepared in connection with verifying and/or
authenticating the information you provide in your application or as part of the claims process.
With regard to home and auto insurance, we may also obtain Information about you from credit reporting agencies at the time of, and during
the application process and on an ongoing basis to verify your creditworthiness, perform a risk analysis and determine your premium.

We may use your Information to:

· determine your eligibility for insurance coverage
· administer your insurance and our relationship with you
· determine your insurance premium
· investigate and adjudicate your claims
· help manage and assess our risks and operations.
We may share your Information with any health-care professional, medically-related facility, insurance company, organizations who
manage public information data banks, or insurance information bureaus, including the MIB Group, Inc. and the Insurance Bureau of
Canada, to allow them to properly answer questions when providing us with Information about you. We may share lab results about
infectious diseases with appropriate public health authorities.
If we collect your health-related Information for the purposes described above, it will not be shared within TD, except to the extent that a
TD company insures, reinsures, administers or sells relevant coverage and the disclosure is required for the purposes described above. Your
Information, including health-related Information, may be shared with administrators, service providers, reinsurers and prospective insurers
and reinsurers of our insurance operations, as well as their administrators and service providers for these purposes.

Marketing Purposes - We may also use your Information for marketing purposes, including to:
· tell you about other products and services that may be of interest to you, including those offered by other businesses within TD and
third parties we select
· determine your eligibility to participate in contests, surveys or promotions
· conduct research, analysis, modeling, and surveys to assess your satisfaction with us as a customer, and to develop products and services
· contact you by telephone, fax, text messaging, or other electronic means and automatic dialing-announcing device, at the numbers you
have provided us, or by ATM, internet, mail, email and other methods.

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With respect to these marketing purposes, you may choose not to have us:
·contact you occasionally either by telephone, fax, text message, ATM, internet, mail, email or all of these methods, with offers that may
be of interest to you
·contact you to participate in customer research and surveys.

Telephone and Internet discussions - When speaking with one of our telephone service representatives, internet live chat agents, or
messaging with us through social media, we may monitor and/or record our discussions for our mutual protection, to enhance customer
service and to confirm our discussions with you.
Credit Products - If you are applying for a Mortgage or a Home Equity Line of Credit, or other product that may be insured by mortgage
default insurance, you agree that a mortgage default insurer may also obtain Information about you from time to time, including from a
credit reporting agency, and may use such information for any purpose related to the credit product and the mortgage default insurance.
You agree that the approval or granting of any credit by us to you, with or without mortgage default insurance, is not to be construed or
relied on by you as representing the value or condition of any underlying security or that it confirms that you have the ability to pay the
credit facility.
You agree that we make no representation, warranty, statement, recommendation, guarantee or endorsement with respect to any investment
or with any goods or services purchased using the credit facility.

More Information
This Agreement must be read together with our Privacy Code. You acknowledge that the Privacy Code forms part of the Privacy
Agreement. For further details about this Agreement and our privacy practices, visit www.td.com/privacy or contact us for a copy.
You acknowledge that we may amend this Agreement and our Privacy Code from time to time. We will post the revised Agreement and
Privacy Code on our website listed above. We may also make them available at our branches or other premises or send them to you by mail.
You acknowledge, authorize and agree to be bound by such amendments.
If you wish to opt-out or withdraw your consent at any time for any of the opt-out choices described in this Agreement, you may do so by
contacting us at 1-866-567-8888. Please read our Privacy Code for further details about your opt-out choices.

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