I had applied through the generic affiliate offer (bad link) and as expected I was charged the full annual fee and only received the bonus points after spending $1000. I had to call in to make a big stink about the annual fee and was eventually let off with a "one-time gesture" of a $120 credit and a stern warning to make sure I apply through the correct third-party link next time.

Of course, since TD is TD, I opened up my easyweb a few days later and saw that I had been credited with a $60 "annual fee rebate" AND a $120 "annual fee reversal". Everything works out in the end! ^