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There were many questions related to the new TD agreement and I would like to answer to those questions ( Im doing experimental setup on zoom and on Facebook because Im not sure which one will be of better quality. ) On Zoom you would see the document which I have prepared for my TD bank manager. In this document I have listed all the questions and Ive written all the answers which they have provided to me so far, which are there because most of these questions have been actually addressed, I think, quite reasonably. So Ill just go one by one it seems that the questions fall into three into one of three categories. General - what will happen to me if I dont do it, lets say, if I opt out or if I dont use digital banking ? The second type of questions is how much control do they get out of my money without my permission right ? And the third type of questions relates to privacy concerns so lets just go one by one and for those who are on Zoom you would see