td first class travel cardholder agreement

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TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

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Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

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Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

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Earn unlimited points with every purchase, and triple the miles on travel

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TD First Class Travel® Visa Infinite* Card Review 2024

Updated: Mar 6, 2024, 3:51am

Fact Checked

Frequent travellers will find plenty of value in this card. Considering that it earns a minimum of 2 TD Rewards points on every dollar, it has flexible redemption options, plenty of insurance coverage, a travel credit of $100 when you book travel through Expedia ® for TD   and a birthday bonus of up to 10,000 points, it easily earns its spot in your wallet.

• High earn rate for rewards with Expedia.
• Exclusive travel benefits.
• Expensive annual fee.
• Low annual net rewards earnings for average spenders.

Table of Contents

Introduction, quick facts, td first class travel visa infinite card rewards, td first class travel visa infinite card benefits, how the td first class travel visa infinite card stacks up, methodology, is the td first class travel visa infinite card right for you, advertising disclosure.

• Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†
• Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
• To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• This offer is not available for residents of Quebec.
• † Terms and conditions apply.

The TD First Class Travel Visa Infinite Card is considered to be one of Canada’s higher end travel credit cards, even though its annual fee makes it quite affordable. With easy earning potential, a flexible rewards program, and a generous insurance package, it’s definitely worth considering if you are a frequent traveller.

The travel perks and benefits aren’t quite as inclusive as other high-end credit cards. The absence of lounge access is a big one to note. Another downside is that the points cannot be converted into other rewards programs. That being said, for its price point, it’s quite competitive and still gives good value.

• Get an Annual Fee Rebate for the first year†. To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Cardholders will earn points for every dollar spent with accelerated rates on groceries, restaurants, recurring bill payments and travel booked through Expedia® For TD.
• Cardholders will benefit from an annual $100 travel credit when they book travel through Expedia® For TD as well as an annual birthday bonus of up to 10,000 TD Rewards Points.
• Cardholders can redeem points for a range of options at any time as long as they have at least 200 TD points available.

Earning Rewards

Earning rewards with the TD First Class Travel Visa Infinite card is easy as you can earn on every purchase you make. Travel booked through Expedia For TD will earn you 8 TD rewards points per dollar spent. Eligible grocery and restaurant purchases will earn you 6 TD rewards points for every dollar spent. If you set up regularly recurring bill payments to your account you will earn 4 TD rewards points for every dollar spent. Meanwhile, all other purchases will earn 2 TD rewards points per dollar spent. Note that there is an annual spending cap of $25,000 for the accelerated categories. If you exceed the spending cap you will then earn 2 TD rewards points for every dollar spent.

Redeeming Rewards

Rewards can be redeemed at any point, in increments of 200 points. You can redeem them for options such as travel (you’ll get the best rewards value if you book through Expedia For TD), Amazon purchases, gift cards, cash credits, and education credits. Redeeming points is easy and the multiple rewards options are attractive. However, some other top-tier credit cards allow you to convert points to other programs like airline or hotel partners for more flexibility which this card is lacking.

Rewards Potential

Cardholders will get the best value for their points by booking travel through Expedia For TD. However, if you are someone who likes to book directly with hotels or airlines to get status points then it’s not the best rewards potential out there, since booking outside of Expedia For TD lowers the value of your points. With Expedia for TD, 200 points are equal to dollar. For travel booked outside of Expedia For TD, you need 250 points for that same dollar value.

That said, based on average Canadian spending, Forbes Advisor estimates this card could earn $127.34 in rewards value per year with Expedia and $111.67 with other travel partners (both calculations factor in the cost of the annual fee).

• Comprehensive travel insurance coverage.
• Discounts on car rentals with Avis and Budget Rent-A-Car.
• Link your card to Starbucks Rewards to earn 50% more TD points and Starbucks Rewards on Starbucks purchases.

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Foreign Transaction Fee: 2.50%
• Annual Fee: $139 (Get an annual fee rebate in the first year; account must be approved by June 3, 2024)
• Any other fees:  Additional cardholder $50.00 (To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024)

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Infinite* Privilege

While both travel cards, the TD Aeroplan Visa Infinite is a luxury travel card. The annual fee is a hefty $599, but it comes with considerably more perks and benefits. including lounge access and NEXUS card rebates. It also uses Aeroplan rewards rather than TD rewards. The TD Aeroplan Visa Infinite is a strong card, but it’s best for those who travel frequently and can offset the cost of the card with the included benefits.

TD First Class Travel ® Visa Infinite* Card vs. Scotiabank Scene+ Visa Card for Students

Students studying away from home may consider a travel card like the TD First Class Travel Visa Infinite Card to help offset the cost of flights home. However, with the annual fee and rewards earning potential, you might be better off sticking to a $0 annual fee card geared towards student spending. The Scotiabank Scene+ Visa card for students allows you to earn points that can be used for day-to-day expenses like dining out, entertainment and even banking.

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Platinum* Card

With an annual fee of $89, the TD Aeroplan Visa Platinum is a bit more affordable. The earn rates aren’t as high, but it’s also a different rewards program. While TD Rewards points are best with Expedia, Aeroplan points are best with Air Canada. So your choice between these two cards should depend on who you are most likely to book travel with to get the best value for your points.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With the TD First Class Travel ® Visa Infinite*, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The TD First Class Travel ® Visa Infinite* Card is a decent travel card . It’s easy to earn and redeem points and the suite of travel insurance is a huge perk. However, it has the best value for those who like to book their travel via Expedia. If you prefer to book directly with hotels or airlines or via other travel portals, then there are better travel credit cards out there where your rewards will go further.

Related : What is the best Canadian credit card

Frequently Asked Questions (FAQs)

Does the td first class travel visa infinite card have airline lounge access.

No, this card does not include airport lounge access .

Does the TD First Class Travel Visa Infinite Card have foreign exchange fees?

Yes, this credit card charges foreign exchange fees (or FX fees) at a rate of 2.5%. If you’re looking for a credit card without without foreign exchange fees , there are plenty available.

How many TD points do you need for a flight?

You need a minimum of 200 TD points to redeem them for rewards. If you book your flight through Expedia ® For TD the points value is 200 TD points per dollar.

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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By Winston Sih  and  Courtney Reilly-Larke on March 31, 2022 Estimated reading time: 6 minutes

TD First Class Travel Visa Infinite Card review

This premium TD card lets travellers redeem flexible rewards through a partnership with Expedia.

With a plethora of travel-focused credit cards on the market, the TD First Class Travel Visa Infinite Card may not be the obvious choice—especially considering how many Aeroplan cards TD currently has on its roster. That said, the TD First Class Travel Visa Infinite Card is worth considering. Why? It boasts a flexible redemption program and a partnership with Expedia. Cardholders get access to Expedia For TD online portal to redeem rewards for flights, hotels and car rentals on expediafortd.com. 

Add to that comprehensive insurance coverage and generous earn rates and the TD First Class Travel Visa Infinite Card becomes a solid choice for avid travellers.

TD First Class Travel Visa Infinite Card

• Annual fee: $139 (annual fee rebate—conditions apply to qualify)
• Earn rates: Up to 8 TD Rewards points per $1 on travel; 6 points per $1 on groceries and restaurants; 4 points per $1 on recurring bills; and 2 points per $1 on all other purchases
• Welcome offer: You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. Plus, you get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 TD Rewards point = $0.005 when redeemed for travel via Expedia For TD or $0.004 when redeemed through other providers and websites
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

The TD First Class Travel Visa Infinite Card

• Three things you need to know about the TD First Class Travel Visa Infinite Card
• How to redeem your TD Rewards
• What are the best ways to benefit from this card?

Are there any drawbacks to the TD First Class Travel Visa Infinite Card?

4 things to know about the td first class travel visa infinite card, 1. the you earn points under the td rewards program.

T he TD points system is easier to understand than the point system for the bank ’ s Aeroplan credit cards. Your Point values stay the same no matter where you ’ re flying, so it ’ s easy to work out how much they ’ re worth. Plus, TD Points can be redeemed on any airline, not just Air Canada or Star Alliance Partners. While Aeroplan Miles are valuable, if you prefer simplicity the TD First Class Travel Visa Infinite Card might be more up your alley.

2. Your points go farther when you book with ExpediaForTD.com

If you already use Expedia to book your travel, this card is a savvy choice. When you book travel online through Expedia For TD, you earn 8 TD points per $1. 

3. The card comes with a generous welcome bonus

You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024..  Plus, earn a birthday bonus of up to 10,000 rewards points (conditions apply). You can also receive a $100 TD travel credit when you spend at least $500 at Expedia for TD. 

4. You’ll get great travel insurance

The TD First Class Travel Visa Infinite Card comes with up to $2 million of travel medical insurance coverage for the first 21 days of a trip. Trip cancellation, trip interruption, common carrier travel accident insurance, travel assistance services, flight delay insurance, auto rental collision insurance, and delayed and lost baggage insurance round out the card’s benefits. For a premium rewards card, The TD First Class ’ s insurance is fairly standard, however; so, if you ’ re looking for more comprehensive credit card insurance , you could consider a card like the National Bank World Elite Mastercard, * which comes with up to $5 million in out-of-province-of-residence medical/hospital insurance for trips up to 60 days (if you ’ re under 54).

How to redeem your TD Points:

You can redeem your TD Points for travel in two ways. The best—and most valuable—way is through the Expedia For TD online portal, where you can redeem 200 TD points per $1 in travel credit (0.5%) and pay the balance of the cost (if any) using your credit card (you’ll also earn Points on this spend).

Your other redemption choice is the “Book Any Way” option, which lets you book via other travel websites; however, your bookings can cost up to 25% more if you go this route. When using “Book Any Way” you’ll redeem at 250 TD points per $1 (0.4%) applied as a statement credit on your first $1,200 in travel purchases and 200 TD points per $1 (0.5%) for your travel purchases over $1,200. In comparison, with Expedia For TD, you’ll get a better and more consistent return of 0.5% on all your travel spending. 

In both cases, the TD First Class Travel Visa Infinite Card allows you to redeem for any seat on any airline. Additionally, you can redeem points for rewards in small increments (minimum 200), so this means you don’t need to build up a large pool of points before you’re able to apply them towards travel. 

Finally, through the TD Rewards site, you can shop for items such as a Vitamix blender, a Dyson vacuum or gift cards. However, you won’t get the same value as you would booking travel. For example, a $50 gift card at Best Buy will cost you 20,000 TD points, whereas you can use the same amount of points for $100 in travel on the Expedia For TD portal.

How to optimize the TD First Class Travel Visa Infinite Card

Ultimately, your best bet is to redeem points for travel from ExpediaForTD.com . Generally, prices on the website are similar to those on the main Expedia website, and you’ll be able to redeem at the rate of 200 points per $1. If you redeem points for travel outside of the TD portal, your points can lose up to 25% in value; however this could be a smarter route if you find a really good deal on another travel portal. 

If you do find a better hotel or flight deal elsewhere, you have the option to price match, but there are some restrictions: you must have booked within the last 24 hours; your travel plans must be at least 48 hours away; and travel dates, and flight and hotel classes must all be the same to submit a claim.

Does the TD First Class Travel Visa Infinite Card have travel insurance?

With this card you’ll get an extensive suite of travel insurance coverage, for big and small emergencies. For frequent travellers and those who cross the border often, this is a must. The card includes travel medical insurance of up to $2 million of coverage for the first 21 days. (If you or your spouse are over 65 or older, you’re only covered for the first four days of your trip.) You’ll also get up to $1,500 of trip cancellation insurance with this card up to a maximum of $5,000 for all insured persons. For trip interruption insurance, you get $5,000 per insured person, up to $25,000 for all the insured people on the same trip.

You’ll also get common carrier travel accident insurance, emergency travel assistant services and delayed/lost baggage insurance (up to $1,000 per insured person if your baggage is delayed for more than six hours or gets lost ultimately).

There is a minimum personal income requirement of $60,000 or a household income of $100,000. However, this is a common requirement for many cards in the same category. 

Other cards offer more incentive to spend in categories like groceries, dining and entertainment. The TD First Class Travel Visa Infinite Card only offers three times the Points earn on travel booked through the Expedia For TD portal (4.5%)—everything else is at the base three TD points per $1 (1.5%) rate. To compare, the Scotiabank Gold American Express has a five-times Points accelerator on restaurants and groceries (5% per dollar).

Finally, the TD First Class Travel Visa Infinite Card doesn’t offer airport lounge access , and you’ll be charged foreign transaction fees . So, if you like to use airport lounges, or you often find yourself shopping in a foreign currency, you may want to consider a card that offers those perks. 

Bottom line

TD’s unique partnership with Expedia, accelerated earn rates and incremental points redemption structure make the TD First Class Travel Visa Infinite Card a worthwhile consideration as a travel credit card . However, the biggest boost in earning points you’ll get with this card is by booking with ExpediaForTD.com. If you don’t want to be locked into booking that way, you may want to explore other travel card options.

More on  credit cards :

• Canada’s best travel cards 2022
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One of the TD First Class Infinite VISA Benefits List include : “ Earn 3 points per $1 on everything spent “ Could you clarify why on my recent Bill Statement, showed $5 earned for 1,178 points Wouldn’t 1,178 points translate into 1178 divided by 3 ?

I have this card, but rarely use except for buying something on a trip to get the insurance coverage. The issue I have is I like to book my travel through web sites like tripcentral.ca (better for packages), VRBO (for condo rentals) and booking.com (much better selection), so only end up rarely using Expedia for TD and end up getting 1.2% back on my purchases, unless I want to wait until I have over $1,200 of points and then buy a major trip, getting 1.5% on the part over $1,200.

So, its pretty good and the insurance is good, but its not as great for travel as they like to claim.

I have had this card for about 2 years now and I am so dessapointed with it. I will stop using it from now on and I will tell everybody I know NOT to get this card or anything related to TD Bank. I changed to this card because they assured me I have full trip coverage with it so I booked my last vacation with it and considering that I did not get what I wanted on my trip they will take some responsibilities and give me some refund after my claim was with them for 8 months. They kept asking me for documents that I provided every time they asked and at the end they kept asking for documents I already submitted three times before. TD is a disgrace for Canadians. I wish the government take actions and do a deep audit on these guys. I will slowly withdraw everything I have with TD to go to another bank. Anything is better than this. Please people, do not do anything with this bank and definitely nothing with this credit card. I am been having issues with this bank since 2008 and it’s time to move on to a better service.

This is the all lying I have issues with that I lost my luggage on my way back home and my flight cut and delayed for 5 months they don’t cover anything’s this massage is for the Visa highly in-charge manager if you guys don’t find me solution I have to take legal step and say bye to TD my whole family since they denied my claim it’s really really broke my heart. I was really trust them never ever again.

I want to redeem my points from my business travel which I have accumulated as I switched to the rewards cash card now .How do I do this June 15,2022

This card is excellent and works well if you are looking to use it for travel specifically. I find it comes in handy when even needing a car rental or a hotel stay on the fly.

We have this card and use it often, we had enough points to use it for 5 hotels on our roadtrip last spring (booked them through expedia). I guess it all depends on what you plan to do. We often go on little roadtrips to Canmore, Banff or Jasper and use it to stay there as well so it really saves us for accommodations. Also not having to get separate car insurance for rental cars is a big plus.

I just got back from Cuba. Unfortunately my flight from Ottawa to Cuba was delayed by 4 hours. And from Cuba to Ottawa for 14 hours. I want to be reimbursed because I bought a ride on my The TD First Class Travel Visa Infinite. Please give me the contact information to whom to apply for compensation. Thank you,

I have First Travel Visa card. My trip is more than 21 days. How can I get travel insurance for the days after first 21 days?

This is incorrect. the $100 travel credit is only for hotels and vacation rentals ALONG with flights. Not if your travel consists only of flights. It is a Hotel credit and NOT a travel flight credit. Beware! This credit card is absolutely useless.

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TD First Class Travel® Visa Infinite* Card

Application must be approved by June 3, 2024 to receive this offer

Signup bonus:, annual fee:, interest rates:, earning rate:.

The TD First Class Travel ® Visa Infinite * Card is one of the most popular credit cards that allows you to earn points in the bank’s proprietary TD Rewards program.

With regular high-volume welcome bonuses, a strong return on travel purchases booked through Expedia, and a competitive insurance package, the TD First Class Travel ® Visa Infinite * Card is a solid choice to incorporate into your TD credit card strategy.

Bonuses & Fees

Until June 3, 2024, the TD First Class Travel ® Visa Infinite * Card is offering up to 100,000 TD Rewards Points †  as a signup bonus, distributed as follows:

• 20,000 TD Rewards Points upon first purchase †
• 80,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †

Additionally, as an annual birthday perk, you can earn 10% of the TD Rewards Points earned in the previous 12 months back on your birthday. † This perk is limited up to 10,000 TD Rewards Points per year. †

This offer is down from the best-ever offer for up to 135,000 points we’ve seen on this card. However, it’s still a great option for those who are looking for the best cash deals, or who want more flexibility with your points, since TD Rewards Points can be redeemed against cash travel bookings.

The card has an annual fee of $139, which is currently rebated for the first year. † To be eligible for the first-year annual fee rebate, you must activate your card and make your first purchase within three months of account opening.

Additionally, holding a TD Unlimited or All-Inclusive chequing account will also waive the annual fee on one TD credit card of your choice, including the TD First Class Travel ® Visa Infinite * Card, on an ongoing basis.

Supplementary cards cost $50 apiece, † and the current first-year fee annual fee rebate also applies to the first supplementary cardholder. † To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

To be eligible for this offer, you must apply and be approved for the card by June 3, 2024.

Earning Rewards

The card’s earning rates are as follows:

• 8 TD Rewards Points † per dollar spent on travel booked through Expedia ® for TD †
• 6 TD Rewards Points † per dollar spent on groceries and restaurants †
• 4 TD Rewards Points † per dollar spent on recurring bills and purchases †
• 2 TD Rewards Points † per dollar spent on all other purchases †

Since TD Rewards Points can be redeemed optimally at a value of 0.5 cents per point, this is equivalent to a 4%, 3%, 2%, or   1% return, respectively.

Redeeming Rewards

The best way to redeem TD Rewards Points is by booking travel through Expedia ® for TD, an online travel portal operated in partnership with Expedia ® .

You can book flights, hotels, car rentals, vacation packages, and anything else that you would normally be able to book via Expedia ® . You’d apply your TD Rewards Points to the purchase at a rate of 200 points = $1, or 0.5 cents per point.

If you’d rather not book through Expedia ® for TD, you can also redeem TD Rewards Points directly against any travel purchase that you purchase with your TD First Class Travel ® Visa Infinite * Card. However, the rate isn’t quite as competitive at 250 points = $1, or 0.4 cents per point.

Redeeming for statement credits or gift cards is also possible, although the rate is even less appealing at 400 points = $1, or 0.25 cents per point.

Generally speaking, you should always strive to redeem your TD Rewards Points for travel through Expedia ® for TD whenever possible, in order to maximize their value.

TD Rewards Points never expire as long as you’re a cardholder. † If you cancel or switch your card to a different product, you’ll have 90 days’ time to redeem your TD Rewards Points before they go away.

However, you’ll lose the ability to book through Expedia ® for TD for 0.5 cents per point, and you’ll be limited to redeeming against any travel purchase for only 0.4 cents per point.

Perks & Benefits

TD First Class Travel ® Visa Infinite * cardholders are eligible to earn a $100 credit † on accommodations and vacation packages booked through Expedia ® for TD. † This benefit is available annually to cardholders, and notably does not include flights. However, it certainly helps to offset the $139 annual fee that the card commands, beginning in the second year.

Cardholders can also get car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally. †

Insurance Coverage

As one of TD’s flagship travel rewards credit cards, the TD First Class Travel ® Visa Infinite * Card offers a strong set of insurance provisions.

The card comes with 21 days of travel medical insurance of up to $2,000,000 for travellers aged under 65, and four days of coverage for travellers aged 65+. †

There’s also trip cancellation and trip interruption insurance of up to $1,500 and $5,000 per person, up to a maximum of $5,000 and $25,000 per trip, respectively. †

While flying, cardholders are covered for up to $500 in flight delay insurance and an aggregate amount of $1,000 for lost, stolen, or delayed baggage. †

And when making purchases, the card offers extended warranty of up to one additional year, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase. †

Lastly, it also comes with  Mobile Device Insurance.  By paying for your smartphone, tablet, or smartwatch using your TD First Class Travel Visa Infinite Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months! †

Historical Offers

Legal disclaimers.

†Terms and conditions apply. TD Bank is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

As a Visa Infinite* product, this credit card has a minimum personal annual income of $60,000 or a minimum household income of $100,000 to be eligible. You must also be a Canadian resident, and the age of majority in your province/territory of residence. Follow the link below to the TD website to learn more about this card and submit an application.

I had applied to this card in August 2022 and received the Welcome Bonus. I eventually cancelled the card in May 2023 after travelling with the TD Expedia points. For 10 months the account was open. It has been 9 months since I closed the TD First Class Travel Visa Infinite Card. Do you think the chances of receiving the Welcome Bonus again is high or low? According the terms and conditions, it has not been 12 months since I closed the account, so I may not be granted the Welcome Bonus. I am concerned they will grant me the card but hold back the Welcome Bonus. Does anyone have any experience to share regarding this situation?

Looks like a conceivable way to help supplement the cost of theme park tickets in a few places! If only I knew the tickets were easy to use …. say at Disney World. Data points are mixed.

This offer for Quebec used to be no MSR, just keep account open for 90 days, but now it also requires MSR of $1500.

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TD First Class Travel Visa Infinite Card Review

By Stefani Balinsky | Published on 20 Jul 2023

Is it me or is TD throwing benefits at you with this card? The TD First Class Travel ® Visa Infinite * credit card has an aggressive offer of up to 135,000 points and an easy earn rate that includes Starbucks. Yes, I invoked the name of that coffee chain and I meant it. Want to know something else? TD First Class Travel ® Visa Infinite * earns TD points that you can redeem on Amazon.ca. So, is this credit card a hot-cup-of-goodness or just lukewarm at best? Let’s find out.

Welcome Offer

• Up to 135,000 bonus TD Rewards Points
• Annual fee rebated for the first year

The TD First Class Travel ® Visa Infinite * Welcome Offer is really good. You can earn up to $1,100 worth of welcome offers in the first year, including 135,000 bonus points, the annual fee rebated and travel benefits. Here’s how:

TD gives you 20,000 points when you make your first purchase on the card in the first 3 months of opening the account. Next, you can earn another 115,000 points if you spend $5,000 on the card within the first 180 days of opening the account. Then, you could earn a birthday bonus of up to 10,000 TD Rewards Points. You also get an annual TD Travel Credit of $100 when you book at Expedia for TD. Finally, you get a free 12 month† Uber One membership worth $120. As always, terms and conditions apply. To get the annual fee rebated for the first year, you must make a purchase on the card within the first 3 months of opening the account.

The annual fee is usually $139 for the primary cardholder, $50 for the first additional cardholder and $0 for subsequent cardholders. You have to have a minimum personal annual income of $60,000 or an annual household income of at least $100,000 to qualify.

TD First Class Travel ® Visa Infinite * interest rates

Actually, these rates are pretty standard. You need to remember that this is a travel perks card and not a low-interest credit card. Nearly all credit card interest rates are in the 19.99% to 23.99% range. Plus, most cards have different interest rates for cash advances. If you live in Quebec, you may be subject to different rates. Of course, the best choice is to pay off your credit card balance each month and to pay back any cash advance even faster.  

The TD First Class Travel ® Visa Infinite* points calculator

Inflation is not your friend, but it can help you make better spending decisions. In that same vein, the TD First Class Travel ® Visa Infinite* has a points calculator to help you decide if your spending and this credit card are good for your situation. 

Let’s set the scene. You are an average Canadian family who might spend $14,000 on groceries this year, or $1,166.66 a month. You might also fill up at least one car once a week. According to StatsCan, the Canadian average fuel price for unleaded gas at a self-service station was $1.616 at the beginning of Summer 2023. If you fill up your car once a week, you spend $419.84 a month on gas for a 60 L fuel tank. How many points would you earn with the TD First Class Travel ® Visa Infinite* ?

With the average spending on gas and groceries alone, you could earn 194,245 points in the first year including the welcome offer. That is $971 in travel dollars. Plus, you only ate and gassed up the car. If you have other expenses on the card, your first-year points total can be higher.

Remember, the spending amounts and points earned are for demonstration purposes only. Actual points accrual depends on your individual shopping habits. Use the TD points calculator to estimate how many points you could earn in the first year. 

Earn points on the little things

• 8 TD points/$1 Expedia for TD bookings
• 6 TD points/$1 on groceries & restaurants
• 4 TD ponts/$1 on recurring bill payments
• 2 TD points/$1 on all other card purchases 

The TD First Class Travel Visa Infinite * lets you earn 2 TD points for every $1 spent. It’s a nice ratio. If you book travel with your card through Expedia for TD , you earn 8 TD points for every dollar spent. Then, you earn 6 TD points per $1 spent on groceries and restaurants and 4 TD points on recurring bill payments on your account. 

If you use your card at Starbucks, you earn 50% more TD points and 50% more Stars at Starbucks. This feature is about lifestyle. Even if you don’t want to travel yet and don’t always get Starbucks, the card lives up to its slogan of ‘Earn points on the little things.’ Plus, your points do not expire so you can save them for all things big and small.

Redeeming your TD points

Thankfully, your TD points are redeemable in really extensive ways. You can use the points to buy gift cards or merchandise off of TD Rewards. They have weekly deals where you can get merchandise for less points. If you want a financial reward, you can use your points to pay off some or all of your TD credit credit card balance. Also, you can use your points to book travel with Expedia for TD.

TD First Class Travel ® Visa Infinite* is your Canadian Amazon credit card

• Redeem TD Points on Amazon.ca with Amazon Shop with Points

You don’t need to get the Amazon credit card, because you can use your TD First Class Travel Visa Infinite* card on Amazon and redeem your TD points for merchandise. That is right, the Amazon points you’ve always wanted are TD points. Of course, there are more details, but you can exchange your points on Amazon for free stuff. 

What is Expedia for TD?

• Earn & redeem TD Points on Expedia for TD
• No blackout dates

Finally! Expedia for TD is a travel booking site that allows travellers to use their TD Rewards points with an Expedia-like experience. It is exclusive to TD credit card holders and the site often has exclusive deals. Plus, it is a great way to spend and earn TD points simultaneously. You earn 8 TD Points/$1 when you book travel through Expedia for TD. There are no blackout dates and you can modify your plans easily.

TD First Class Travel ® Visa Infinite* insurances

If you read Hardbacon credit card reviews, you know that we take a deep look at the insurances you get with your card. The TD First Class Travel ® Visa Infinite * is a travel affinity card, so it should stand out for all-things travel-related. In terms of insurance, it has the requisite ones. Let’s take a look: 

• Travel medical insurance
• Trip cancellation/interruption
• Flight/trip delay
• Delayed or lost baggage
• Common carrier accident 
• Auto Rental Collision/Loss Damage Insurance

And that is on top of their Emergency Travel Assistance Services and a $100 Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.

First, a word about TD’s online travel insurance tool

TD and its online tools are outmaneuvering the competition. This is the first time I’ve found an online tool that shows me my credit card insurance coverage based on the card I use, the number of people I am travelling with, and the duration of the trip. It makes it easier for me to decide if I need extra travel insurance or if I should split my trip costs over different TD credit cards.

Travel emergency medical insurance

TD offers a solid but average emergency medical insurance policy. If I travel with my spouse or dependents, each one of us is eligible for $2,000,000 per trip. Of course, not every procedure is guaranteed a payout. As with every medical insurance plan, it covers eligible procedures and services. You have to check what is accepted before agreeing to the treatment. Your coverage is good for 21 days as long as you or any of the other travellers is under age 65. If you travel with someone over age 65 and they are a spouse, child, or the primary cardholder, they are only covered with TD’s emergency medical insurance for only the first 4 days.

Trip cancellation/interruption insurance and flight/trip delay

That handy online tool shows that you can have up to 5 travellers in your party and that your trip cancellation insurance is a maximum of $5,000. Per person, there is a $1,500 coverage. However, your maximum trip coverage is $5,000. If you are more than 5 people travelling and you are paying with one card, you might want to buy extra cancellation insurance.

Trip interruption insurance is slightly more generous. Each person has a $5,000 interruption policy. Again, the maximum for the trip for all persons combined is $25,000. Yet another instance of checking what is best for you and maybe buying extra travel interruption coverage.

Your flight/trip delay insurance covers up to $500 per insured person if your flight/trip is delayed for over 4 hours.

Delayed or lost baggage insurance

It’s true that not every credit card offers this type of coverage. TD First Class Travel ® Visa Infinite* cardholders have $1,000 in insurance coverage per person if their baggage is delayed more than 6 hours or if it is lost. Again, this is OK coverage.

Common carrier accident insurance

This is a terrible what-if scenario. If you are or one of your dependents is on a common carrier like a bus, train, ferry, rented car, cruise ship, limousine, or plane and it is involved in an accident, you are covered. You are eligible for up to $500,000 of coverage for covered losses. The amount depends on your injuries. 

TD First Class Travel ® Visa Infinite* and auto rentals

If you book your auto rental with your TD First Class Travel ® Visa Infinite* credit card, you are covered for 48 consecutive days. If you are in an accident, the driver must not be legally intoxicated and there must have been no violation of the rental agreement by the primary cardholder.

You also benefit from a great rate through Avis auto rentals. When you use your TD First Class Travel ® Visa Infinite* credit card, you save a minimum of 10% off the lowest available base rates in Canada and the U.S. If you rent a car outside of Canada and the US, the minimum is 5% off the lowest base rate available at participating Avis or Budget locations.

TD First Class Travel ® Visa Infinite* ’s other benefits

Other than everything listed already, having a TD First Class Travel Visa Infinite* credit card means that you can do the following as well:

• Sign up for TD Auto Club membership, where you get 24-hour road assistance
• Purchase security and extended warranty protections
• Instant fraud alerts
• Mobile device insurance up to $1,000
• Hotel/Motel Burglary Insurance up to $2,500
• Access to the TD app
• Click to pay
• Optional balance protection insurance
• The choice to set up structured payment plans

The most interesting thing to me is the click-to-pay feature and instant fraud alerts. It keeps pace with how customers expect banks to use technology to enable easy transactions but also immediate contact if fraud is suspected. Basically, it is a sign of good service.

Who is the TD First Class Travel ® Visa Infinite* credit card good for? 

The base earn rate of the TD First Class Travel Visa Infinite is a decent 2 points per $1 spent, with more aggressive points for grocers, restaurants, travel and recurring bills. The insurance is decent, too. 

OK, but the real advantages kick in if you use the card to book travel. You redeem fewer points for travel if you do it through Expedia for TD, a site exclusive to TD credit card customers. Plus, if you book travel with your TD card, you have access to excellent online tools to calculate how much insurance you have from your card. 

Furthermore, using your card for everyday purchases stretches your dollar on two key sites: Amazon.ca and Starbucks. Hear me out: Amazon is a retail behemoth in Canada, and Starbucks is also a near-daily retail destination. 

Amazon lets you use TD points for Amazon purchases. The same goes for Starbucks, but in reverse. You earn 50% more points when you buy Starbucks with your credit card. 

This card makes good in its promise to earn points on the little things. If you want to travel and don’t want to use Aeroplan, this travel card is a good choice. If you are interested in Amazon purchases and love your Starbucks, this is the only card for you.

TD First Class Travel ® Visa Infinite* Rating

Benefits and perks of the td first class travel ® visa infinite*.

• Redeem TD points on Amazon.ca
• Earn 50% more TD points when you use your card at Starbucks
• Accelerate points earning for travel with Expedia for TD, food, and recurring bills
• 2 points for every $1 spent on everyday purchases
• Points never expire
• No travel blackout dates
• Welcome Offer up to 135,000 TD Rewards points
• Annual fee for the primary card rebated for the first year
• Decent purchase interest rate and cash advance interest rates
• Comprehensive travel insurances including emergency medical, trip interruption, and trip cancellation
• Fantastic online tools to estimate points calculation as well as travel insurance coverage

For complete and current information about any product, please visit the provider’s website. Terms and conditions apply.

Stefani Balinsky

• Customer Service
• En Español

Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

Data as of March 2018. Comparison of longest average store hours in the regions (MSAs) in which TD Bank operates compared to major banks. Major banks include our top 20 national competitors by MSA, our top five competitors in store share by MSA and any bank with greater or equal store share than TD Bank in the MSA. Major banks do not include banks that operate in retail stores such as grocery stores, or banks that do not fall in an MSA.

©2022 TD Bank, N.A. All Rights Reserved.

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TD First Class Travel vs TD Aeroplan: How to Choose

The main difference between TD First Class Travel and TD Aeroplan is the rewards system.  Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

What is td first class travel.

• TD First Class Travel vs. TD Aeroplan: Which is better?
• TD First Class Travel cards
• TD Aeroplan cards

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points . You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

• TD Aeroplan Visa Infinite .
• TD Aeroplan Visa Platinum.
• TD Aeroplan Visa Infinite Privilege.
• TD Aeroplan Visa Business.

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below: 

TD Aeroplan Visa Infinite Card

• 1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases. 
• 1x Aeroplan points on everything else.
• Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
• 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Platinum Card

• 1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
• 1 Aeroplan point per $1.50 spent on everything else.

TD Aeroplan Visa Infinite Privilege Card

• 2x Aeroplan points on Air Canada purchases. 
• 1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
• 1.25x Aeroplan points on everything else. 

TD Aeroplan Visa Business Card

• 1.5x Aeroplan points on eligible travel, dining and business purchases. 
• 1x Aeroplan points on everything else. 

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

• Range of cards to choose from.
• Business card available. 
• Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

• The redemption program focuses mainly on Air Canada. 
• Lower earn rates than similar cards, including the TD First Class Travel card.

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

• 8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
• 6x TD Rewards Points on groceries and restaurants.
• 4x TD Rewards Points on recurring bill payments.
• 2x TD Rewards Points on everything else. 

Pros of TD First Class Travel

• High reward earn rates compared to TD Aeroplan cards.
• Travel TD Rewards Points can be redeemed with multiple booking platforms.
• Includes travel insurance, such as medical, baggage delay and flight cancellation.  

Cons of TD First Class Travel

• Only one First Class Travel card to choose from.
• Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.  

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical. Look at features like annual fees , reward categories, redemption options, interest rates and insurance perks when making your decision.

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

• Annual Fee $139 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024. Waived first year
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 2x-8x Points Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
• Intro Offer Up to 100,000 Points Earn up to 100,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of up to 10,000 TD Rewards Points†. Account must be approved by June 3, 2024.
• Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
• To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
• Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
• Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
• Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
• No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
• Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
• Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139
• Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Intro Offer Up to 50,000 Points Earn up to 50,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

TD® Aeroplan® Visa Platinum* Card

• Annual Fee $89 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024. Waived first year
• Rewards Rate 0.67x-1x Points Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Intro Offer Up to 20,000 Points Earn up to 20,000 Aeroplan points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†. Conditions Apply. Account must be approved by September 3, 2024.
• Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
• Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Intro Offer Up to 85,000 Points Earn up to 85,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
• Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
• Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
• Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Business Card

• Annual Fee $149 Waived first year
• Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
• Intro Offer Up to 60,000 Points Earn up to 60,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 5,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. Account must be opened by June 3, 2024.
• Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
• Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
• Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
• Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
• Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
• Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
• $149 annual fee — rebated in the first year.
• Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
• One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
• Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
• Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
• Visa SavingsEdge program: save up to 25% on eligible business purchases.
• Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
• Toll-free emergency travel assistance services.
• Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
• Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
• Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
• Purchase security and extended warranty protection.
• Minimum credit limit of $1,000.
• Interest rates: 14.99% on purchases, 22.99% on cash advances.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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• , First class travel
• TD First Class Travel Visa Infinite Cardholder Agreement and Benefit Coverages Guide

TD First Class Travel ® Visa Infinite* Cardholder Agreement and Benefit Coverages Guide The TD First Class Travel Visa Infinite Cardholder Agreement and Benefit Coverages Guide

This document contains important and useful information about your TD First Class Travel Visa Infinite Card. Please keep this document in a secure place for future reference. A copy of this document is also available online at tdcanadatrust.com for future reference. This document includes:

• TD First Class Travel® Visa Infinite* Cardholder Agreement

• Definitions...... 1

• Using the Account...... 2

• Unauthorized Transactions...... 3

• Credit Limit and Overlimit...... 4

• Minimum Payment...... 4

• Payment Due Date...... 4

• Grace Period and Interest...... 4

• Foreign Currency Transactions...... 6

• Statements...... 6

• How We Communicate with You...... 7

• Lost or Stolen Cards...... 7

• Making Payments...... 7

• How We Apply Payments...... 7

• Our Rights if you do not Follow this Agreement...... 8

• Payments and Credits...... 9

• Ownership of Card...... 9

• Responsibility for Services...... 9

• Electronic Services; Use and Protection of a Card, PIN or Password...... 9

• Limits on our Damages...... 10

• Pre-Authorized Payments...... 11

• Cancelling Additional Cardholder Cards...... 11

• Changes to this Agreement and the Account...... 11

• Transfer of Rights...... 12 • Ending this Agreement...... 12

• Liability...... 12

• Headings...... 12

• Enforceability...... 12

• What Law Applies...... 12

• Language (For Quebec Only)...... 12

• Privacy Agreement...... 12

• If You Have a Problem or Concern...... 17

• Travel Rewards Program Terms and Conditions...... 17

• Travel Medical Insurance...... 25

• Trip Cancellation/Trip Interruption Insurance Certificate...... 39

• Common Carrier Travel Accident Insurance Certificate...... 54

• Delayed and Lost Baggage Insurance Certificate...... 60

• Emergency Travel Assistance Services...... 65

• Auto Rental Collision/Loss Damage Insurance Certificate...... 66

• Purchase Security and Extended Warranty Protection...... 74 This Cardholder Agreement is between you and The Toronto-Dominion Bank (the Bank, we, us or our). It applies to the Card and the Account including when you use the Card or Account. When you sign, activate or use the Card or the Account, it means that you have received and read both this Cardholder Agreement and the Disclosure Statement that together form the Agreement between you and the Bank. We may send you changes or replacements for this Agreement from time to time. This Agreement replaces any previous Agreement between you and the Bank. 1. DEFINITIONS What these key words mean in this Agreement: Account means the credit card account we open and maintain for the Card. Additional Cardholder means a person that we issue a Card to at the request of the Primary Cardholder. Agreement means this Cardholder Agreement and the Disclosure Statement for the Account. Available Credit means the amount of credit that is available to you at any time on the Account. It is the positive difference between the Credit Limit and the Balance that is owed on the Account. Balance means the total amount of all Transactions, fees, interest and other amounts charged to the Account under this Agreement, less any payments or other credits posted to your Account. Balance Transfer means a Transaction where you request us to transfer any balance that is owed on another credit card account to the Account. The other credit card account cannot be an account with the Bank. A Balance Transfer is treated as a Cash Advance. We may offer you a promotional interest rate on a Balance Transfer, but if we do not, then the annual interest rate that applies on the Account for Cash Advances applies to that Balance Transfer. If you accept a promotional offer on a Balance Transfer, this Agreement will continue to apply to that Balance Transfer and any additional terms we set out in the promotional offer will also apply to that Balance Transfer. Card means the credit card for the Account that we issue to you or any renewal or replacement of that credit card. Cardholder means the Primary Cardholder and any Additional Cardholder. Cash Advance means a Transaction where you withdraw cash from the Account including through: • any device such as an automated teller machine (ATM), phone, online or mobile device; • our branches and at other financial institutions; • a Balance Transfer; • a TD Visa Cheque; or • a Cash-Like Transaction. Cash-Like Transaction means a Transaction to purchase items that are similar to and can be converted into cash. 1 Cash-Like Transactions include casino gaming chips, money orders, wire transfers, travellers cheques and gaming transactions (including betting, off-track betting and race track wagers). Disclosure Statement means the document that we provide to you with the Card that discloses information about the Card and the Account, additional to what is in the Cardholder Agreement, including interest rates and fees. Payment Due Date means the date on which your payment is due as shown on the statement for the Account. Primary Cardholder means the person who applied for a Card, whose name is on the Account and who a Card is issued to. Purchase means any Transaction other than a Cash Advance. TD Visa Cheque means a credit card cheque we may issue to you, with your consent, that you can use to: (i) pay for goods and services with your Card; or (ii) transfer any balance on another credit card account to this Account. The other credit card cannot be an account you have with the Bank. We may offer you a promotional interest rate on your TD Visa Cheque, but if we do not, then the annual interest rate that applies on the Account for Cash Advances applies to your TD Visa Cheque. If you accept a promotional offer on a TD Visa Cheque, this Agreement will continue to apply to that TD Visa Cheque and any additional terms we set out in the promotional offer will also apply to that TD Visa Cheque. Transaction means any use of a Card or the Account to purchase goods or services or make any other charges to the Account including a Purchase or Cash Advance. You or your means each Cardholder or an Additional Cardholder. 2. USING THE ACCOUNT You may use the Account for: • Purchases; • Cash Advances; • Access to your other accounts at the Bank or our affiliates; and • Any other purpose that we agree to. The Primary Cardholder is responsible for and must pay us the Balance on the Account. If you want another Cardholder or any other person to repay you for any amount paid or owing on the Account, it is your responsibility, not the Bank’s, to make the appropriate arrangements with that Cardholder or other person. You must not allow any person other than a Cardholder to use the Account. If a Cardholder lets someone else use the Account or a Card, you are still responsible for any use of the Account or a Card, even if a Cardholder wanted to limit that use. We can let any Cardholder give us instructions for the Account without the approval of or notice to the other Cardholders. The Primary Cardholder can request us to issue a Card to any person without notice to any other person. We may limit the number of Cards issued on the Account.

2 When you pay for goods and services using your Card number without using your Card or entering your PIN (for example by mail, telephone, Internet, mobile or any other electronic method), we will treat that use the same as if you had shown your Card. You may not use the Card before the valid from date or after the expiry date shown on the Card. However, if any amounts are charged to the Account before the valid from date or after the expiry date, the Primary Cardholder is responsible for, and must pay us those amounts. We can stop providing TD Visa Cheques at any time. We can also refuse to process any TD Visa Cheque. We do not allow stop payments on TD Visa Cheques. If you use the Card outside of Canada to withdraw cash from the Bank or with our affiliates, the withdrawal may be treated as a Cash Advance from the Account, rather than a cash withdrawal from your other account because of certain limitations in some countries. You agree not to use the Card or the Account for anything illegal or fraudulent. We may block use of the Card or the Account without telling you in advance if we suspect illegal, unauthorized or fraudulent use of the Account. This includes transactions relating to Internet gambling or where we have any other reasonable grounds to do so. You agree you will use the Card or the Account for personal, family or household purposes and not for business purposes. You should be aware that under U.S. Office of Foreign Asset Control (OFAC) regulations, customers who are U.S. Citizens are subject to regulations that limit the use of their Cards in certain jurisdictions sanctioned by OFAC, and that similar regulations may exist in other jurisdictions that apply to their citizens. 3. UNAUTHORIZED TRANSACTIONS You are not responsible for unauthorized Transactions. A Transaction is considered an “unauthorized Transaction” if we complete an investigation and determine that: • The Account was used by someone other than you; • You did not receive any benefit from the Transaction; • You co-operated fully with us in our investigation; and • You followed your responsibilities under this Agreement, including in these sections: i. “Unauthorized Transactions”, ii. “Using the Account” iii. “Electronic Services; Use and Protection of a Card, PIN or Password”, and iv. “Lost or Stolen Cards”. You are also not responsible for any Transactions made on the Account that occur after you promptly tell us that a Card has been lost or stolen because we will also consider them unauthorized Transactions.

3 4. CREDIT LIMIT AND OVERLIMIT The initial Credit Limit (the “Credit Limit”) is on the Disclosure Statement. We may lower the Credit Limit at any time without telling you in advance. We will not increase the Credit Limit unless we first obtain the express consent of the Primary Cardholder to do so. We display the Available Credit on the statement. Your Available Credit may not be up to date at all times, including if a payment or other Transaction has not yet been processed or posted to the Account. Some merchants may pre-authorize the amount or estimated amount of a Purchase and that will reduce the Available Credit. While we establish a Credit Limit on your Account, as a TD Visa Infinite or TD Visa Infinite Privilege Cardholder, we may allow the amount owing on your Account to exceed the Credit Limit for individual Purchases. Before doing so, however, those individual Purchases are evaluated by us, based on factors such as suspected fraud, your Account history, credit and/or payment history. We may also allow the amount owing on your Account to exceed the Credit Limit for other Transactions. While we can allow any Transaction to exceed the Credit Limit without telling you first, we are not required to do so even if we have done so before. If we allow any Transaction to exceed your Credit Limit, then you must pay the Minimum Payment required, plus the amount of the Balance that exceeds the Credit Limit, on or before the Payment Due Date on your monthly statement. The Account may be charged an overlimit fee, as showing in the Disclosure Statement. Only one overlimit fee is charged per statement period. The Primary Cardholder remains liable for the entire Balance owing on the Account, whether or not it exceeds the Credit Limit. 5. MINIMUM PAYMENT You must pay at least the Minimum Payment shown on your statement on or before each Payment Due Date. We calculate the minimum payment as described in the Disclosure Statement. 6. PAYMENT DUE DATE The Payment Due Date is shown on your statement. It is always at least 21 days from your Statement Date. This time period may extend depending on your payment activity. For example, if we do not receive payment of the Balance shown on your statement on or before the Payment Due Date, the Payment Due Date on your next statement will be 25 days after your Statement Date. Any interest still applies during this period. When we receive payment in full of your Balance on or before the Payment Due Date, the number of days between the Statement Date and the Payment Due Date on your next statement will revert back to your standard Grace Period (the Grace Period is defined below). If the Payment Due Date falls on a Saturday, Sunday or holiday in Canada, we will extend the Payment Due Date to the following business day. Any interest still applies during this period. 7. GRACE PERIOD AND INTEREST Grace Period The grace period starts on the day after your Statement Date and ends on your Payment Due Date (“Grace Period”). You have a Grace Period of 4 at least 21 days to make your payment. Interest-Free Grace Period on New Purchases and Fees We will not charge interest on new Purchases and fees that appear for the first time on your statement (“New Purchases”) as long as we receive payment of the Balance shown on your statement on or before your Payment Due Date. If you pay an amount that is less than your Balance shown on your statement, then we will charge interest on those New Purchases starting from their transaction date until the amount of those New Purchases is paid in full. This interest-free Grace Period does not apply to Cash Advances. We charge interest on Cash Advances as described in the “Interest on Cash Advances including Balance Transfers, Cash-Like Transactions and TD Visa Cheques” section. How We Calculate and Charge Interest Interest is calculated at the applicable annual interest rate(s), as initially shown in the Disclosure Statement. If interest applies, we calculate interest as follows: • add the amount you owe each day in each Transaction category (for example, the amount of Purchases or Cash Advances) and divide that total by the number of days in your statement period (usually 30 or 31). This is your average daily balance for the amount you owe in each Transaction category (the “Average Daily Balance”). • multiply the Average Daily Balance by the daily interest rate(s) that applies (the daily interest rate(s) is equal to the annual interest rate(s) divided by 365 (or 366 in a leap year)); then multiply the result by the number of days in your statement period. The total is the amount of interest we charge on each statement on the last day of your statement period. If different daily interest rate(s) apply to the Average Daily Balance, we use the different daily interest rate(s) in our calculation (for example, a promotional interest rate Balance Transfer will use a different daily interest rate than your regular Purchases). If interest is charged, it is calculated on the average daily balance of each Transaction from the transaction date until that amount has been paid in full. We add your unpaid interest charge to your balance at the end of each statement period. As a result, we charge interest on unpaid interest. If your Minimum Payment is not received on or before the Payment Due Date shown on your statement and before the date on which we prepare your next monthly statement twice within 12 consecutive statement periods, then: a) The annual interest rate(s) that applies to the Account will increase to the rate set out in your Disclosure Statement; and b) You will lose the benefit of any lower rate promotional offer on the Account (including any offer made but not yet accepted by you). The increased rate(s) will apply starting on the first day of your next statement period after the second missed payment.

5 You will continue to pay these higher interest rate(s) until you have paid the Minimum Payment on or before the Payment Due Date shown on your statement and before the date on which we prepare your next monthly statement for 12 consecutive statement periods. The interest rates will then decrease to your annual interest rates applicable to your account on the first day of your next statement period after those 12 consecutive statement periods. Interest on Cash Advances including Balance Transfers, Cash-Like Transactions and TD Visa Cheques We always charge interest on Cash Advances from the transaction date of the Cash Advance until the amount of the Cash Advance is paid in full. When you transfer funds from the Account through a Balance Transfer, obtain a Cash-Like Transaction or use a TD Visa Cheque, we treat that Transaction as a Cash Advance. If you are uncertain whether a Transaction will be treated as a Cash Advance, please call us at 1-800-983-8472 or collect at (416) 307-7722. 8. FOREIGN CURRENCY TRANSACTIONS If you use the Account to make Purchases or obtain Cash Advances in U.S. Dollars, Euros, Great British Pounds, Australian Dollars, or Mexican Pesos, the foreign currency will be converted directly to Canadian Dollars before it is recorded in the Account. If you use the Account to make Purchases or obtain Cash Advances in any other foreign currency, the currency will be first converted to U.S. Dollars and then to Canadian Dollars before it is recorded in the Account. Credits to the Account involving a foreign currency will also be converted directly to Canadian Dollars, or first to U.S. Dollars and then to Canadian Dollars, depending on the foreign currency involved as set out above. For debit Transactions, currency will be converted by applying a rate established by VISA plus a fixed percentage as shown in the Disclosure Statement. For credit Transactions, currency will be converted by applying a rate established by VISA minus a fixed percentage as shown in the Disclosure Statement. As a result, for credit Transactions made in respect of prior, related debit Transactions, the Canadian Dollar amount credited to the Account will in most cases be less than the Canadian Dollar amount that was originally debited to the Account. The rate that is used will be the rate on the date that a Transaction is recorded in the Account and may be different from the rate in effect on the date of the Transaction. When we convert a Transaction, in some cases it will appear on your statement displaying only the first five decimal places after the decimal point, even though we used the more detailed calculation above. 9. STATEMENTS We provide a statement if there is any activity on the Account during the last month or there is any outstanding Balance. However, if during any three-month period, there is an outstanding credit Balance on the Account that is less than $10 and there has been no activity on the Account during that three-month period, we may provide a statement only at the end of that three-month period. We do not always provide statements on the same date in each month, therefore the Payment Due Date on your statement may not always be the same. 6 You must immediately review each statement and tell us about any errors. We will investigate errors that you tell us about within 30 days of the statement date. If you do not tell us about errors within 30 days of the statement date, we will consider the statement, every item on it and our records to be correct (except for any amount that has been credited to the Account in error). This means that you may not make any claim against us after that 30-day period. 10. HOW WE COMMUNICATE WITH YOU We will send statements and other communications by ordinary mail to the address in our records for the Primary Cardholder. With the Primary Cardholder’s consent, and if we agree to do so, we may also send statements and other communications by another method, including electronically. We may also send copies of the statements and other communications to an Additional Cardholder if requested to do so or required by law. The Primary Cardholder and each Additional Cardholder agrees that we can share the statement, any information on the statement or other communications or information about the Account with any Cardholder without telling the other Cardholders. We consider communication to the Primary Cardholder as communication to all Cardholders. You must tell us immediately about any address change or other information to keep our records current. We are not responsible if the Primary Cardholder does not receive a statement or other communication if we send it to the address or other contact information we have in our records. For our mutual protection, we may record telephone calls that relate to the Account. If there is fraud or potential fraud on the Account, we may send you communications by telephone, mail, email, SMS text message or any other electronic communication method. 11. LOST OR STOLEN CARDS You must tell us immediately by telephone or in writing if you know or suspect that a Card is lost or stolen, or if you know or suspect that your Card or the Account is being used without your authority. Our toll free number is 1-800-983-8472, or collect at (416) 307 – 7722. Once you have told us that your Card or Account is lost, stolen or used without your authority, we will be able to prevent use of that Card and the Account number. 12. MAKING PAYMENTS We must receive payment on or before each Payment Due Date shown on the statement. Payments to the Account can be made at any time. Payments made by mail or at the branch, ATM or online banking service of another financial institution may take several days to reach us. You are responsible to make sure that your payment is received by us on or before the Payment Due Date. If a payment is made during our normal business hours we treat it as made on the same day, otherwise we will treat the payment as received by us on the next business day. 13. HOW WE APPLY PAYMENTS We will apply payments on the Account first towards your Minimum Payment in the following order: 1) first to any interest that appears on your statement; 2) second to any fees that appear on your statement; 7 3) third to any Transactions that appear on your statement, including any amount that exceeds your Credit Limit or any past due amounts; 4) fourth to any fees and other Transactions that do not yet appear on your statement. In any of the above categories 1 to 4, the amounts with the lowest interest rate(s) are paid first before those with higher interest rate(s). If you pay more than your Minimum Payment, once we have applied the payment to the Minimum Payment, we will then apply any excess amount to the remaining Balance on your statement, as follows: i. All items that have the same interest rate(s) will be placed into the same category. For example, if your Balance is made up of Purchases and promotional Balance Transfers, then all items at your regular interest rate for Purchases are placed in one category and all promotional Balance Transfers are placed in a different category because of the different interest rates that applies to each of them. ii. We will then apply the excess payment to the different interest rate(s) categories in section (i) above, in the percentage (%) the amount in each category represents to the remaining Balance. For example, if the amount of your Purchase category represents 70% of your remaining Balance and the amount of your promotional Balance Transfer category represents 30% of your remaining Balance, we apply 70% of your excess payment towards the amount of the Purchase category and 30% of your excess payment towards the amount of your promotional Balance Transfer category. If you pay more than your Balance on your statement, we apply the excess amount of your payment to Transactions that have not yet appeared on your statement, in the same way as we have described above for payments to the remaining Balance. We can apply late or partial payments that we receive without losing any rights we have under the Agreement or by law, to collect all amounts that are owed to us on the Account. 14. OUR RIGHTS IF YOU DO NOT FOLLOW THIS AGREEMENT If you do not make the minimum payment on or before the Payment Due Date on your statement, or otherwise do not follow this Agreement, or if anything occurs which causes us to believe that you will be unable to make a payment or otherwise not be able to follow this Agreement: a) we may require you to pay the entire Balance on the Account immediately, plus interest on that Balance at the annual interest rate(s) on the Account at that time; b) we may, without notice, deduct money from any other account that you have with us or any of our affiliates which would include any member of the TD Bank Group, and use it to pay the amount that is owing to us; and c) you must pay all our legal expenses on a solicitor and own client basis (including legal fees of our internal counsel) for attempting to collect what is owing to us.

8 15. PAYMENTS AND CREDITS If we owe you any amount on the Account (a “credit Balance”) we will not pay you interest on that credit Balance. A credit Balance will not be insured as a deposit. A credit Balance on the Account will not increase your Available Credit or Credit Limit. We are not responsible if you cannot access funds from the Account or a credit Balance. You must not deposit a cheque or other item to the Account to obtain a Cash Advance or otherwise use the Account if you have any reason to believe that the cheque or other item will not clear. 16. OWNERSHIP OF CARD The Card is our property. We can cancel or take the Card back or require you to return the Card to us at any time. 17. RESPONSIBILITY FOR SERVICES If you have any problems with Purchases on the Account, you must settle them directly with the merchant. You must still pay us the full amount of the Purchase, even if you have a dispute with the merchant. If a merchant gives you a refund and we receive a credit voucher from the merchant, we will credit the Account with that refund. But, if interest is charged on a Transaction that you are disputing with the merchant, we will not refund the interest charged. We do not treat credits from merchants as payments. We are not responsible for benefits, services and coverages that other companies provide for the Account. You must pay us any amount charged to the Account for these benefits, services and coverages. These benefits, services and coverages have their own terms set by the companies providing them. You must settle any disputes directly with those companies. If we credit the Account, you agree that your rights and claims are assigned to us and you will cooperate with us and sign any documents to evidence that assignment before we credit the Account. However, we do not have to credit the Account and if we do credit the Account, it does not mean we will credit the Account in the future. 18. ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD, PIN OR PASSWORD This section applies when you use a Card or the Account including if we allow you to access or use the Card or the Account with a personal identification code such as a Personal Identification NumberPIN ( ) or Connect ID, password, pass code or identification code or other credentials (all together the Password), through a terminal, including one that accepts contactless payment cards, or other machine such as an ATM, telephone, the Internet, or other electronic service including a mobile device. a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet banking, mobile banking or to make electronic bill payments - the Bank’s Financial Services Terms applies if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Financial Services Agreement applies if the Cardholder has not signed a Financial Services Agreement.

9 b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device. e) Verified by Visa – You must register for and use the Verified by Visa* program in order to access or use the Account for Internet transactions with merchants participating in the Verified by Visa program. The Verified by Visa Cardholder Terms of Services applies when you access or use the Account for the Verified by Visa program. 19. LIMITS ON OUR DAMAGES We are not responsible for any damages (including special, indirect or consequential damages) from:

10 • any failure, error, malfunction or inaccessibility of any Card, ATM, terminal or other machine or equipment including a mobile device; or • if, for any reason your Card is not accepted, or you cannot use the Account for any reason, even if we knew that damage was likely or the damage was a result of our negligence or the negligence of our employees, agents or representatives. 20. PRE-AUTHORIZED PAYMENTS The Primary Cardholder is responsible for all pre-authorized payments (PAPs) charged to the Account. This includes PAPs charged to the Account before the Agreement is cancelled or after the Agreement ends, or charges by any Additional Cardholder, or those that are made after an Additional Cardholder Card has been cancelled, unless the merchant receives a written request from you to cancel the PAP before the PAP is charged to the Account. You must contact a merchant in writing if you want to cancel any PAP and then check the statement to confirm the PAP was cancelled. If the PAP was not cancelled, we may be able to assist you if you provide us with a copy of the written cancellation request you sent to the merchant. You must provide merchants with adequate, correct and up-to-date information for any PAPs, including if your Card number or Card expiry date changes. However, if you have a PAP with a merchant and your Card number or Card expiry date changes, you agree that we may, but we are not required to, provide that merchant with your new Card number or Card expiry date including by using the updating service provided to us through your Card’s payment card network. We are not responsible if any PAPs cannot be posted to the Account. You must settle any dispute or liability you may have for the Transactions relating to those PAPs directly with the merchant involved. 21. CANCELLING ADDITIONAL CARDHOLDER CARDS We may cancel an Additional Cardholder Card, or limit access to the Account by an Additional Cardholder Card at any time without telling you in advance. The Primary Cardholder can also tell us to cancel any Additional Cardholder Card. The Primary Cardholder must obtain and destroy the Additional Cardholder Card or confirm that the Additional Cardholder Card is in the Primary Cardholder’s possession. An Additional Cardholder may also instruct us to cancel their own Additional Cardholder Card. The Primary Cardholder is still responsible to pay us for any amounts owing on the Account for Transactions by an Additional Cardholder even if an Additional Cardholder Card is cancelled or if the Primary Cardholder is unable to cancel, obtain or destroy the Additional Cardholder Card. 22. CHANGES TO THIS AGREEMENT AND THE ACCOUNT We may make changes to this Agreement at any time. We will tell you about a change in the statement or by other notice to you. We will provide advance notice of a change if required by law and for other changes, we will provide you with advance notice unless we are not able to do so. Your regular annual fee, annual interest rate(s), fees and other charges for the Account are shown on the initial Disclosure Statement. If we increase your annual fee, annual interest rate(s), fees or any other charges for the Account, we will provide you with advance notice of those changes. 11 If you sign, use or activate any Card or the Account, if your Account remains open, or if any Balance owing on the Account remains unpaid after the change is made, it will mean you have accepted any change to the Agreement. Benefits, services and coverages for the Account may also change or end. We will provide you notice of a change in your statement or in some other way, after the change is made, unless we must provide advance notice by law. 23. TRANSFER OF RIGHTS We may transfer, sell or otherwise assign all of our rights under this Agreement. If we do so, we may disclose information about you and the Account to anyone to whom we assign our rights. 24. ENDING THIS AGREEMENT We may end this Agreement, close the Account or limit your right to access the Account at any time without telling you in advance. The Primary Cardholder may also end this Agreement by telling us. Even if this Agreement is cancelled, the Primary Cardholder is still responsible to pay all amounts owing on the Account. When the Agreement ends, benefits, services and coverages will automatically end, or we can cancel or change them at our discretion. 25. LIABILITY The Primary Cardholder will be responsible for payment of all amounts owed to us under this Agreement, including Transactions made by an Additional Cardholder. 26. HEADINGS The headings to each section of this Agreement are added for convenience and do not change the meaning of any sections of this Agreement. 27. ENFORCEABILITY If it is found by a court that any portion of this Agreement is invalid or cannot be enforced, the remainder of the Agreement will remain valid. 28. WHAT LAW APPLIES The laws of the province or territory in Canada where you live or where you most recently lived and the laws of Canada apply to this Agreement. If you have not lived in Canada, the laws of the Province of Ontario and Canada apply to this Agreement. 29. LANGUAGE: (FOR QUEBEC ONLY) It is the express wish of the parties that this Agreement and any directly or indirectly related documents be drawn up in English. Les parties ont exprimé la volonté expresse que cette convention et tous les documents s’y rattachant directement ou indirectement soient rédigés en anglais. 30. PRIVACY AGREEMENT: In this Privacy 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”). 12 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.

13 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 • to any Additional Cardholder for whom you request a Card; • 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. 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 14 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.

15 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. 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. 16 MORE INFORMATION This Privacy 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 Privacy Agreement and our privacy practices, visit www.td.com/privacy or contact us for a copy. You acknowledge that we may amend this Privacy Agreement and our Privacy Code from time to time. We will post the revised Privacy 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 Privacy 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. 31. IF YOU HAVE A PROBLEM OR CONCERN If you have a problem or concern you may call us toll free at 1-866-222-3456, email** us at [email protected] , 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 – 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 Financial Consumer Agency of Canada (FCAC) in writing at 6th Floor, Enterprise Building, 427 Laurier Ave. West, Ottawa, Ontario K1R 1B9. The FCAC can also be contacted by telephone at 1-866-461-3222 (en français 1-866-461-2232) or through its website at www.fcac-acfc.gc.ca. The FCAC will determine whether we are in compliance. It will not, however, resolve individual consumer complaints. **For your protection, do not send confidential or personal information (such as your Account number) via email, as it is not a secure method of communication. If your request is urgent or requires disclosure of confidential information for resolution, please phone us.

TRAVEL REWARDS PROGRAM TERMS AND CONDITIONS In this section, the words “we”, “us” and “our” mean: (1) the Bank; and (2) the Expedia For TD online and phone channels (“Expedia For TD”) that are operated by Expedia, Inc. (“Expedia”). “Program” means the TD Travel Rewards Program associated with the Account and includes all Program privileges and travel reward benefits, including TD Points. “Travel Purchases” means all Purchases of travel and related services (including bookings) under the Program charged to the Account. All Travel Purchases made through Expedia For TD are provided by Expedia or its agents or suppliers. All Travel Purchases made under the Program, but not using Expedia For TD, are provided by third party agencies, suppliers or other travel providers, including any online sites or phone channels operated by Expedia (except for Expedia For TD) and any

17 other online travel agencies, suppliers or providers (the “Other Travel Providers”). Applicable terms of the TD First Class Travel Visa Infinite Cardholder Agreement apply to the Program, as do the following additional terms and conditions, which together are referred to as this Agreement. TD Points TD Points are earned for Purchases charged to the Account as follows: 1) Three (3) TD Points are earned for each one (1) dollar in Purchases; 2) Nine (9) TD Points are earned for each one (1) dollar in Travel Purchases made online through Expedia For TD; and 3) Six (6) TD Points are earned for each one (1) dollar in Travel Purchases made by phone through Expedia For TD. All fees, Cash Advances (including Balance Transfers and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn TD Points unless there is a special promotion. Credits for refunds, returned items, rebates and other similar credits will reduce or cancel the TD Points earned by the full or partial amount originally charged to the Account. When you redeem TD Points towards a Travel Purchase charged to your Account: 1) The dollar value of the redeemed TD Points is applied as a credit to the original amount of the Travel Purchase charged to your Account, leaving you with a net Travel Purchase amount, if any, that is charged to your Account (the “Net Amount”); and 2) You will earn TD Points only on the Net Amount. For more details, refer below to “TD Points Redemption”. We will provide you with the TD Points balance (the “TD Points Balance”) within the monthly statement for the Account. You must promptly and carefully examine the TD Points Balance and tell us in writing of any errors in the TD Points Balance. In the event of an error, our only responsibility is to correct the error. If you do not tell us about an error within thirty (30) days of the statement date of the monthly statement for the Account, the TD Points Balance will be considered correct and you may not afterwards make any claim against the Bank relating to your TD Points Balance. However, we can adjust the TD Points Balance on the Account at any time. TD Points from the Account cannot be combined or pooled with TD Points from another TD Credit Card Account unless you are the Primary Cardholder on each TD Credit Card Account. TD Points cannot be transferred upon the death of the Primary Cardholder, except to an Additional Cardholder who applies, qualifies and becomes a Primary Cardholder. We may let you redeem TD Points towards items other than Travel Purchases such as merchandise and gift cards. If we do, you will agree to the additional terms and conditions that will apply to that redemption option in addition to these TD Travel Rewards Program Terms and Conditions. TD Points have no cash value and cannot be redeemed for cash or credit except as we may permit. TD Points are void if sold, bartered or assigned. TD Points cannot be divided or transferred in the event of separation or divorce. 18 TD Points Expiry TD Points will not expire as long as the Account remains open and in good standing, and this Agreement has not ended. In the event that we end the Agreement for any reason, all TD Points will expire immediately. If the Account is in good standing and the Primary Cardholder ends this Agreement and/or transfers to another TD Credit Card Account, any accumulated TD Points from the Account can only be transferred to another TD Credit Card Account that earns TD Points provided that the Primary Cardholder is the Primary Cardholder of that other TD Credit Card Account. Otherwise, TD Points from the Account must be redeemed within ninety (90) days of the date of the transfer to another TD Credit Card Account or when this Agreement ends. We can delay the expiry of TD Points and that delay will not set a precedent for any future TD Points expiry. Making Travel Purchases 1) Through Expedia For TD The Cardholder can make Travel Purchases through Expedia For TD by: 1) Redeeming TD Points to cover the full cost of the Travel Purchase; 2) Combining the redemption of TD Points and a charge to the Account to cover the full cost of the Travel Purchase; or 3) Charging the full cost of the Travel Purchase to the Account. Travel Purchases can only be made through Expedia For TD by using TD Points alone, by using the Account alone or by a combination of TD Points and the Account. 2) Through Other Travel Providers A Cardholder may also make a Travel Purchase through Other Travel Providers by charging the full cost (or any portion) of the Travel Purchase to the Account. To redeem TD Points towards any amount of a Travel Purchase made at Other Travel Providers, refer below to “TD Points Redemption”. Who Can Make Travel Purchases All Cardholders are entitled to make Travel Purchases under the Program, using their Card at Expedia For TD or at Other Travel Providers, whether or not TD Points are or will be redeemed for that Travel Purchase. Travel Arrangements 1) Through Expedia For TD Every effort will be made to ensure that all your travel requirements are met. However, your travel is based on travel supplier-available space and seating and is subject to terms and conditions of the travel supplier, such as pre-payment requirements. Travel space and prices are not confirmed until Expedia For TD confirms the reservation with the travel supplier. It is the Cardholder’s responsibility to instruct Expedia For TD to confirm the reservation with the travel supplier. A reservation, which merely holds your space, does not guarantee the price. Once your travel arrangement has been confirmed, the treatment of any routing changes, changes to travel dates, cancellations, “no-shows”, additional charges such as any taxes and any other changes will be solely

19 at the discretion of the travel supplier or other third party and are not our responsibility. Travel supplier policies may vary from time to time and may differ among travel suppliers. It is the Cardholder’s responsibility to know the relevant policies, terms and conditions of the travel supplier. Expedia For TD will make every reasonable effort to provide travel information upon your request. However, we accept no responsibility or liability in the event that failure to provide you with information results in travel arrangements that have a higher cost or differ in any way from arrangements that may be available through other travel suppliers. 2) Through Other Travel Providers You are responsible for confirming the details and terms and conditions of Travel Purchases made through Other Travel Providers, including all travel supplier restrictions and reservations that apply to those Travel Purchases, even if you redeem TD Points under the Program towards those Travel Purchases. Travel Documents 1) From Expedia For TD All correspondence and travel documents provided by Expedia For TD will be sent to the Primary Cardholder’s address appearing in our records at Expedia For TD or by following the instructions we receive from the Primary Cardholder. However, Expedia For TD does not offer facilities to pick up travel documents in person. We are not responsible for any failure to receive correspondence and travel documents if we send them to the address or other contact information for the Account, appearing in our records at Expedia For TD, or by following the instructions we receive from the Primary Cardholder. You and your travel companions are responsible to ensure that you have in your possession, on departure and as otherwise required, all necessary travel documents as required by law. If you do not have the necessary travel documents, you may be denied boarding by the travel supplier. We are not responsible if you do not have the necessary travel documents and you will not be entitled to any compensation from us. It is your responsibility to check with the airlines and other travel suppliers for all estimated departure times, arrival times, and check-in times. Some travel suppliers will not board passengers unless the passengers have checked in within an appropriate amount of time prior to departure. The appropriate amount of time is determined by the airline or other travel supplier in advance of departure. 2) From Other Travel Providers You are responsible for confirming the details and terms and conditions of Travel Purchases made through Other Travel Providers, including all travel documents and correspondence required and arrangements for obtaining them from the Other Travel Providers, even if you redeem TD Points towards those Travel Purchases. TD Points Redemption TD Points can be immediately redeemed for Travel Purchases made through

20 Expedia For TD at the time you make the Travel Purchase, as explained below. For Travel Purchases made through Other Travel Providers, TD Points must be redeemed after the Travel Purchase has been made as explained in “Redeeming TD Points after a Travel Purchase has been made through Other Travel Providers” section 2 below. To redeem TD Points, the Account must be open, in good standing, and not in default under the terms and conditions of this Agreement. TD Points can only be redeemed by the Primary Cardholder or an Additional Cardholder. TD Points that have not been recorded in your TD Points Balance cannot be redeemed. TD Points are not earned on any Purchases that are not posted to the Account, including any Travel Purchases made through Other Travel Providers. This means that until the Purchase is posted to the Account and the TD Points earned on that Purchase have been recorded in your TD Points Balance, you cannot redeem any TD Points that you may earn on that Purchase. You can redeem TD Points under the Program for any amount of a Travel Purchase as follows: 1) You can redeem the required number of TD Points to cover the full amount of the Travel Purchase. If the dollar value of the TD Points redeemed exceeds the full amount of any Travel Purchase, your Account will not be credited for more than the full amount of the Travel Purchase; or 2) You can redeem the required number of TD Points for any portion of the Travel Purchase. Your Account will be credited with an amount equal to the dollar value of the TD Points redeemed. The Net Amount of any Travel Purchase will remain on the Account and the Primary Cardholder is responsible for payment of the Net Amount. Whether a Travel Purchase is made through Expedia For TD, or through Other Travel Providers, if any TD Points are redeemed towards that Travel Purchase, TD will provide a credit for those redeemed TD Points in an amount equal to the dollar value of those TD Points. 1) Redeeming TD Points for Travel Purchases made through Expedia For TD Every 10,000 TD Points redeemed are worth $50 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 10,000 TD Point increments. We can decrease the required minimum TD Point redemption increment at any time. When you make a Travel Purchase through Expedia For TD, you can only redeem those TD Points that are recorded in your TD Points Balance at the time you are making that Travel Purchase, even if the Travel Purchase requires only a deposit at that time. As a reminder, when you redeem TD Points towards a Travel Purchase that you are making through Expedia For TD, any credit that is applied to your Travel Purchase for the TD Points you are redeeming will reduce or cancel the TD Points to be earned for that Travel Purchase. When you redeem TD Points towards only a portion of your Travel Purchase: 1) The dollar value of the TD Points you have redeemed will be applied as a credit to the full amount of that Travel Purchase charged to your Account and only the Net Amount of that Travel Purchase will be charged to your Account; and 2) You will only earn TD Points on the Net Amount of that Travel Purchase.

21 2) Redeeming TD Points after a Travel Purchase has been made through Other Travel Providers For each Travel Purchase made through an Other Travel Provider, a Cardholder can redeem TD Points towards the amount of that Travel Purchase as follows: 1. For the first $1,200 of that Travel Purchase (equal to 300,000 TD Points): • Every 250 TD Points redeemed equals $1 in travel savings for that Travel Purchase amount. 2. For each $1 over the first $1,200 of that Travel Purchase: • Every 200 TD Points redeemed are worth $1 in travel savings for that Travel Purchase amount that is over the first $1,200. This means that when you redeem TD Points towards a Travel Purchase made at an Other Travel Provider: • 250 TD Points = $1 in travel savings for up to the first 300,000 TD Points you redeem for that Travel Purchase; and • 200 TD Points = $1 in travel savings for any TD Points over the first 300,000 TD Points that you redeem for that Travel Purchase. Redemptions can only be made in 250 or 200 TD Point increments, as applicable. For example: A. Travel Purchase of $1,200 and Under Cost of Travel Purchase at $1,175 Other Travel Provider: TD Points redeemed to cover 293,750 TD Points cost in full: Calculation: ($1,175 x 250 TD Points = 293,750 TD Points) B. Travel Purchases of $1,201 or More Cost of Travel Purchase at $2,275 Other Travel Provider: TD Points redeemed to cover 515,000 TD Points cost in full: Calculation: ($1,200 x 250 TD Points = 300,000 TD Points) + ($1,075 x 200 TD Points = 215,000 TD Points) In summary: • Every 250 TD Points (up to the first 300,000 TD Points redeemed for a Travel Purchase of $1,200 or under) are worth $1 in travel savings for that Travel Purchase.

22 • After the first 300,000 TD Points are redeemed for a Travel Purchase of more than $1,200, every 200 TD Points are worth $1 in travel savings for the amount of that Travel Purchase that is over $1,200. For Travel Purchases made through Other Travel Providers, TD Points must be redeemed within ninety (90) days after the Travel Purchase has been posted to the Account. You cannot redeem TD Points through Other Travel Providers. To determine when a Travel Purchase has been posted to your Account, you can view your transactional history for the Account online through our EasyWeb® Internet banking or allow the Travel Purchase to appear on your next monthly statement after the transaction date of that Travel Purchase. As a reminder, when you redeem TD Points towards a Travel Purchase that you made through Other Travel Providers, any credit for the TD Points to be redeemed and applied to your Account for your original Travel Purchase amount will reduce or cancel the TD Points that were earned for that Travel Purchase. This means that when you redeem TD Points towards only a portion of your original Travel Purchase: 1) The dollar value of the TD Points you have redeemed will be applied as a credit to your Account to reduce the full amount of your original Travel Purchase; and 2) You will only earn TD Points on the Net Amount of your original Travel Purchase. Other Rewards Programs Although Travel Purchases made through Expedia For TD or through Other Travel Providers may earn frequent flyer miles, points or other benefits from other travel rewards programs (“Other Benefits”), you cannot redeem Other Benefits under the Program. We will not book all or any portion of your Travel Purchase for which you are using Other Benefits. If you are using Other Benefits (in whole or in part) for your Travel Purchase, you must make such Travel Purchase directly with the originating issuer of your Other Benefits. We are not responsible for the issue or redemption of Other Benefits. Taxes The payment of all applicable taxes related to travel reward benefits under the Program, including Travel Purchases made through Expedia For TD or through Other Travel Providers, is your sole responsibility. Some of the applicable taxes may be charged to the Account and/or paid by redeeming TD Points at the time you make the Travel Purchase through Expedia For TD, while other taxes may be otherwise collected from the Cardholder such as upon arrival at, or departure from, the Cardholder’s destination. The credit provided by the Bank for the amount of any TD Points redeemed by the Cardholder towards a Travel Purchase or towards taxes payable on that Travel Purchase, whether purchased through Expedia For TD or through Other Travel Suppliers, will not result in the Bank being responsible for the payment of any applicable taxes relating to Travel Purchases made through Expedia For TD or through any Other Travel Provider. The amount of any taxes or other charges associated with your Travel Purchase that are imposed by travel suppliers or other third parties (including any Other Travel Provider) is your sole responsibility and may change at any time without notice, even after the date that the Travel 23 Purchase arrangements have been confirmed. Any personal income tax liability that may arise from the receipt or redemption of TD Points is your sole responsibility. Liability for Travel Suppliers We accept no responsibility or liability for the failure of any travel supplier, including any Other Travel Provider, to perform travel arrangements for any reason or for any other actions, errors or omissions by a travel supplier or Other Travel Provider. We will not, under any circumstances, assume any liability for any loss or damage caused by goods or services supplied or requested in connection with the Program. We accept no responsibility or liability if travel arrangements are voluntarily or involuntarily rerouted, downgraded or upgraded from your original paid itinerary and class of service by a travel supplier or Other Travel Provider or for any other changes or substitutions that a travel supplier or Other Travel Provider may make. It is the Primary Cardholder’s responsibility to know the relevant policies, terms and conditions of the travel supplier, including those of any Other Travel Provider. Changes and Termination We reserve the right to change any of the rules, regulations, terms, conditions, restrictions, benefits, procedures and suppliers of services in respect of the Program and the Account, in whole or in part, with or without prior notice. However, when no prior notice is provided, we will make every effort to inform you of such changes as soon as possible after they are made. We are not responsible for market changes beyond our control. We may terminate the Program at any time. If the Program is terminated, TD Points may only be redeemed within ninety (90) days from the date of our notice of Program termination. We reserve the right to cancel or make changes to the Account, TD Points, or travel reward benefits related to the Program, with or without notice, for any reason, including if you abuse the Program privileges, do not comply with this Agreement, misrepresent any information provided to us or if you conduct yourself in a manner detrimental to us or the interests of the Program. Interpretation and Limitation of Liability We will be the final authority on the interpretation of all rules, regulations, procedures, terms, conditions, restrictions and benefits of the Program as outlined in this Agreement. We are not responsible or liable for any loss suffered by Cardholders or third parties relating to the Program, TD Points, any travel suppliers, including Other Travel Providers, travel reward benefits, terms and conditions of the Program or as a result of changes to, or termination of, the Program, Card(s) or the Account. We will not be liable for any damages relating to the Program, TD Points, any travel suppliers, including Other Travel Providers, or travel reward benefits. As well, the Bank accepts no liability or responsibility for any Travel Purchases made under the Program through Expedia For TD. Any Cardholder may be subject to claims and may lose Program privileges if they do not comply with this Agreement.

24 Every effort has been made to ensure that the information in materials provided to Cardholders from time to time, including by Expedia For TD, is accurate. However, we will not be liable for any information provided to you that contains mistakes or is incomplete, or for any loss to, or damages suffered by, Cardholders arising from such missing or incomplete information. We do not review any materials or information that are/is provided to you by or through any travel suppliers, including Other Travel Providers, and we are not liable for any errors or omissions that may be contained in that information or materials.

TRAVEL MEDICAL INSURANCE For Covered Trips of 21 days or less for people under 65 years of age, and For Covered Trips of 4 days or less for people 65 years of age or older. Insured by: TD Life Insurance Company 320 Front Street West, 3rd Floor Toronto, ON M5V 3B6 Certificate of Insurance This Certificate applies to the TD First Class Travel Visa Infinite Account. TD Life Insurance Company (“TD Life”) provides the insurance for this Certificate under Group Policy No. TGV002 (the “Group Policy”). Our Administrator administers the insurance on behalf of TD Life, and provides medical and claims assistance, claims payment and administrative services under the Group Policy. This Certificate contains important information. Please read it carefully and take it with You on Your trip. Important Note: What to do in an emergency: All medical emergencies must be reported to Our Administrator immediately. If You, or if applicable, an Insured Person, do not contact Our Administrator promptly, benefits may be limited or excluded. Please see section 8 for details. Pre-Existing Conditions: A Pre-Existing Condition exclusion applies to Emergency Medical Benefits for all Insured Persons. Please see Limitations and Exclusions under sections 6 and 7 for details. If You have any questions regarding Pre-Existing Conditions and/or want to confirm coverage, please contactOur Administrator at 1-866-374-1129 or at (416) 977-4425. This policy contains a provision removing or restricting the right of the group life insured to designate persons to whom or for whose benefit insurance money is to be payable.

25 SECTION 1 – SUMMARY OF BENEFITS Benefit Maximum Benefit Payable Medical Emergency Insurance $1,000,000 per Insured Person per Covered Trip.

Note: If a Medical Emergency occurs, You, or if applicable, an Insured Person, must phone Our Administrator immediately, or as soon as is reasonably possible, or the Maximum Benefit Payable will be reduced to $30,000, and only 80% of the Eligible Medical Emergency Expenses will be covered. You can call Our Administrator 24 hours a day, seven days a week at 1-866-374-1129 from Canada or the USA, or from other countries by calling collect at (416) 977-4425.

SECTION 2 – DEFINITIONS In this Certificate, the following words and phrases shown in italics have the meanings shown below. As You read through the Certificate, You may need to refer to this section to ensure You have a full understanding of Your coverage, limitations and exclusions. Account means the Primary Cardholder’s TD First Class Travel Visa Infinite Card account that the Bank maintains. Additional Cardholder means a person to whom a TD First Class Travel Visa Infinite Card has been issued at the authorization of the Primary Cardholder. Administrator means the company We select to provide medical and claims assistance, claims payment, administrative and adjudication services under the Group Policy. Bank means The Toronto-Dominion Bank. Certificate means this certificate of insurance. Coverage Period means the period of time during which a Medical Emergency must occur for a benefit to be payable. This period is defined in section 5. Covered Trip means a trip: • made by an Insured Person outside the Insured Person’s province or territory of residence; • that does not exceed the Maximum Number of Covered Days, including the departure date; and • that does not extend to or past: • the date the Insured Person no longer meets the eligibility requirements set out in section 3; or • the date coverage terminates as described in section 4. Note: In the event of a claim, the Insured Person will be required to submit proof of the departure. Only a Medical Emergency occurring during a Covered Trip will be eligible for consideration. Note that the day of departure counts as a full day for this purpose. Exclusions: • A Covered Trip does not include any trip for the purpose of commuting to or from an Insured Person’s usual place of employment. 26 • Coverage is only provided under the Group Policy if the Medical Emergency occurs within the Maximum Number of Covered Days that the Insured Person is first away from his or her province or territory of residence. Note that the day of departure counts as a full day for this purpose. Note: If the Insured Person’s trip exceeds the Maximum Number of Covered Days, the Insured Person may want to purchase separate insurance under a different TD Life Group Policy for the number of days that the trip will exceed the Maximum Number of Covered Days. Different terms and conditions will apply and, depending on the Insured Person’s age and the length of their trip, the Insured Person may be required to provide information about their health. Call TD Life prior to Your departure date at 1-800-293-4941 for more information or if You would like to obtain a quote. Dependent Children means Your natural, adopted, or step-children who are: • unmarried; • dependent on You for financial maintenance and support; and • under 22 years of age; or • under 26 years of age and attending an institution of higher learning, full-time, in Canada; or • mentally or physically handicapped. Exclusion: A Dependent Child does not include a child born while the child’s mother is outside her province or territory of residence during the Covered Trip. The child will not be insured with respect to that trip. Dollars and $ mean Canadian dollars. Effective Date means the date this Certificate takes effect with respect to You, and is the later of March 17, 2008 and the date on which an Account is opened by the Bank for You and You meet the eligibility requirements set out in section 3 with respect to this Account. Eligible Medical Emergency Expenses are defined in section 6. Emergency Medical Benefit is defined in section 6. Government Health Insurance Plan (GHIP) means a Canadian provincial or territorial government health insurance plan. Good Standing: An Account is in Good Standing if: • the Primary Cardholder has applied for the Account; • the Bank has approved and opened the Account; • the Primary Cardholder has not advised the Bank to close the Account; and • the Bank has not suspended or revoked credit privileges or otherwise closed the Account. Hospital means • an institution that has been accredited and licensed by the appropriate authority as a hospital to treat patients on an in-patient, outpatient and emergency basis; or • the nearest appropriate medical facility that has been approved in advance by Our Administrator. 27 Exclusion: Hospital does not include chronic care, convalescent or nursing home facilities. Hospitalized or Hospitalization means confined as an in-patient in a Hospital. Insured Person means a person who is eligible to be insured under this Certificate as described in section 3. Maximum Number of Covered Days means 21 consecutive days for Insured Persons under 65 years of age and 4 consecutive days for Insured Persons 65 years of age or older. The departure date counts as one full day for this purpose. Age will be measured as of the date of departure for this purpose. Medical Condition means an irregularity in the health of an Insured Person which required or requires medical advice, consultation, investigation, Treatment, care, service or diagnosis by a Physician. Medical Emergency means any unforeseen illness or accidental bodily injury occurring during a Covered Trip that requires immediate emergency medical Treatment by a Physician. Physician means a physician or surgeon who is registered or licensed to practice medicine in the jurisdiction where he or she provides medical advice or Treatment and who is not related by blood or marriage to any Insured Person under this Certificate. Pre-Existing Condition means a Medical Condition: • for which symptoms appeared in the Pre-Existing Condition Period; • that was investigated, diagnosed or Treated during the Pre-Existing Condition Period, where Treatment includes medication; or • for which further investigation was recommended or prescribed, or for which a change in Treatment was recommended (including a change in medication or dosage) during the Pre-Existing Condition Period. Pre-Existing Condition Period with respect to any benefit under this Certificate is as follows: • Insured Persons under 65 years of age – 90 days immediately before the beginning of the Coverage Period; and • Insured Persons 65 years of age or older – 180 days immediately before the beginning of the Coverage Period. Primary Cardholder means a person who applied for a TD First Class Travel Visa Infinite Card, whose name is on the Account and to whom a TD First Class Travel Visa Infinite Card has been issued. A Primary Cardholder does not include an Additional Cardholder. Spouse means: • the Insured Person’s legal husband or wife; or • the person who the Insured Person has lived with for at least one year and publicly represented as his or her domestic partner. Stable means any Medical Condition or related condition (whether or not the diagnosis has been determined) for which there have been: • no new or change in medication or dosage; • no new or change in Treatment; 28 • no new or increase in frequency or severity of symptoms; • no referral or recommendation to see a specialty clinic or specialist; • no pending test results or testing; or • no pending surgery or other Treatment. Travelling Companion means someone who shares trip arrangements and accommodations with You. Exceptions: No more than three (3) individuals (including You) will be considered travel companions on any one trip. Treated or Treatment means any medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a Physician, including but not limited to prescribed or unprescribed medication, investigative testing and surgery. The term “treatment” does not include the unaltered use of prescribed medication for a Medical Condition which is Stable. Usual, Customary and Reasonable Charges means charges that do not exceed the general level of charges made by other providers of similar standing in the geographical area where charges are incurred for comparable Treatment, services or supplies for a similar Medical Emergency. We, Us and Our mean TD Life Insurance Company. You and Your mean the Primary Cardholder. SECTION 3 – ELIGIBILITY The Primary Cardholder is eligible to be insured under this Certificate if, throughout the Covered Trip, the Primary Cardholder: • is a resident of Canada; • is covered by a Canadian provincial or territorial GHIP; and • has an Account in Good Standing. The Primary Cardholder’s Spouse is eligible to be insured under this Certificate if, throughout the Covered Trip: • the Primary Cardholder is eligible to be insured under this Certificate as described above, even if the Primary Cardholder is not travelling; and • the Spouse: • is a resident of Canada; • is covered by a Canadian provincial or territorial GHIP; and • continues to meet the definition ofSpouse of the Primary Cardholder. The Primary Cardholder’s Dependent Child is eligible to be insured under this Certificate whether or not the Primary Cardholder or the Primary Cardholder’s Spouse travels with them if, throughout the Covered Trip: • the Primary Cardholder is eligible to be insured under this Certificate as described above, even if the Primary Cardholder is not travelling; and • the Dependent Child: • is a resident of Canada; • is covered by a Canadian provincial or territorial GHIP; and • continues to meet the definition ofDependent Child.

29 Exclusion: If a Dependent Child is born while the child’s mother is outside of her province of residence, the Dependent Child will not be insured with respect to that trip. An Additional Cardholder is eligible to be insured under this Certificate if, throughout the Covered Trip: • the Primary Cardholder is eligible to be insured under this Certificate as described above, even if the Primary Cardholder is not travelling; and • the Additional Cardholder: • is a resident of Canada; • is covered by a Canadian provincial or territorial GHIP; and • continues to meet the definition ofAdditional Cardholder. Note: The Spouse and children of an Additional Cardholder are not automatically eligible for coverage under this Certificate unless they meet other eligibility requirements set out above (e.g. if the child of an Additional Cardholder is also the Dependent Child of the Primary Cardholder). Coverage after the Maximum Number of Covered Days • This Certificate does not offer any coverage after the end of the Maximum Number of Covered Days. • If an Insured Person under age 65 is planning a trip that will last more than 21 days, or an Insured Person aged 65 or older is planning a trip that will last more than 4 days, the Insured Person may want to purchase separate insurance for the number of days that the trip will exceed the Maximum Number of Covered Days. • Coverage may be available under a different TD Life Group Policy. Different terms and conditions will apply and, depending on the Insured Person’s age and the length of their trip, the Insured Person may be required to provide information about their health. Call TD Life prior to Your departure date at 1-800-293-4941 for more information or if You would like to obtain a quote. SECTION 4 – WHEN COVERAGE TERMINATES Coverage for the Primary Cardholder under this Certificate will terminate on the earliest of the following dates: • the date the Account is cancelled, closed or otherwise ceases to be in Good Standing; • the date You cease to be eligible for coverage; and • the date the Group Policy terminates. Coverage for an Insured Person other than the Primary Cardholder under this Certificate will terminate on the earliest of the following dates: • the date coverage terminates for the Primary Cardholder; and • the date the Insured Person ceases to be eligible for coverage. No benefits will be paid under thisCertificate for losses incurred after coverage has terminated.

30 SECTION 5 – THE COVERAGE PERIOD The Coverage Period begins when the eligible Insured Person departs on a Covered Trip. Note: The Insured Person’s trip may be longer than the Maximum Number of Covered Days (21 consecutive days for Insured Persons under age 65, and 4 consecutive days for Insured Persons aged 65 or older). However, only a Medical Emergency occurring within the first Maximum Number of Covered Days following the departure from the Insured Person’s province or territory of residence will be considered. The day of departure counts as a full day for this purpose. The Coverage Period ends on the earlier of: • the date the Insured Person returns from the Covered Trip; • the end of the Maximum Number of Covered Days for that Insured Person, except as described below; • the date the Group Policy terminates. However, if an Insured Person is suffering from a Medical Emergency at the end of the Maximum Number of Covered Days for that Insured Person (the “Termination Date”), then the Coverage Period: • for that Insured Person; and • for any other Insured Person if • Our Administrator has approved a Travelling Companion Benefit for that other Insured Person; and • That other Insured Person was insured under this Certificate with respect to the Covered Trip at the Termination Date is automatically extended to 72 hours following the end of the Medical Emergency. However, under no circumstances will coverage continue after termination of the Group Policy. SECTION 6 – WHAT YOUR INSURANCE COVERS – EMERGENCY MEDICAL INSURANCE We will pay a Medical Emergency Benefit if an Insured Person suffers a Medical Emergency during the Coverage Period for a Covered Trip. Emergency Medical Benefit means, subject to the Maximum Benefit Payable described in section 1, the Usual, Customary and Reasonable Charges for Eligible Medical Emergency Expenses, less all amounts payable or reimbursable under a GHIP or any group or individual health plans or insurance policies. Eligible Medical Emergency Expenses means: • Hospital accommodation; • Physicians’ bills; • Private duty nursing: • up to $5,000 for: • services performed by a registered nurse; including • medically necessary nursing supplies; • Diagnostic services: • charges for diagnostic tests, laboratory tests and X-rays which are:

31 • prescribed by the treating Physician; and • approved in advance by Our Administrator if the tests involve: • magnetic resonance imaging (MRI); • computerized axial tomography (CAT) scans; • sonograms; • ultrasounds; or • any invasive diagnostic procedures including angioplasty; • Ambulance: • charges for emergency ambulance service to the nearest approved Hospital; • Air Ambulance: • charges for emergency air ambulance only if: • Our Administrator determines that the Insured Person’s physical condition precludes the use of any other means of transportation; • Our Administrator makes the determination before the service is provided; • Our Administrator pre-approves this service; and • Our Administrator arranges this service; • Prescriptions: • reimbursement of prescription drugs that are required as part of emergency Treatment; Exclusion: vitamins and patent, proprietary and experimental drugs are excluded; • Accidental Dental: • up to $2,000 for dental Treatment that is: • required during a Coverage Period; and • necessitated by a blow to natural or permanently installed teeth which occurs during a Coverage Period; Limitation: Treatment for emergency relief of dental pain is covered up to a maximum of $200; • Medical Appliances • cost of casts, crutches, trusses, braces, slings, splints and/or the rental cost of a wheelchair or walker where: • prescribed by a Physician; and • required as a result of a Medical Emergency; • Return Airfare • the extra cost for a one-way economy fare plus, if required to accommodate a stretcher, a second one-way economy fare if: • as a result of a Medical Emergency, Our Administrator determines that an Insured Person should return to Canada for medical reasons; and • Our Administrator approves the transportation in advance;

32 • Transportation to Bedside • if an Insured Person is Hospitalized and is expected to remain Hospitalized for at least three consecutive days, the cost of one round-trip economy airfare from Canada if it is: • for the Insured Person’s Spouse, parent, child, brother or sister; and • approved in advance by Our Administrator; • Travelling Companion Benefit • the cost of a single one-way economy airfare if: • an Insured Person suffers a covered Medical Emergency; • as a result, a Travelling Companion stays beyond his or her scheduled return date; and • Our Administrator approves, in advance, the cost of a one-way economy airfare back to the Travelling Companion’s place of departure; • Bedside Companion Benefit • up to $150 per day, to a maximum of $1,500, for food and accommodation for a person if: • Our Administrator has approved transportation for the person under either a Transportation to Bedside benefit or a Travelling Companion Benefit; and • Our Administrator has approved the Bedside Companion Benefit in advance; • Vehicle Return • up to $1,000 toward the cost of returning an Insured Person’s vehicle to his or her home or, if applicable, the nearest appropriate vehicle rental agency if: • the Insured Person is unable to return the vehicle due to a covered Medical Emergency; and • Our Administrator arranges for the return of the vehicle; • Return of Deceased • up to $5,000 toward the cost of preparation and transportation home of a deceased Insured Person if death results from a covered Medical Emergency; Exclusion: the cost of a burial casket or urn is not covered under this benefit; and • one round-trip economy airfare if: • an Immediate Family Member is required to identify or obtain release of the deceased; and • Our Administrator approves this transportation in advance. • Baggage Return • If an Insured Person returns to their province or territory of residence by air ambulance because of their Medical Emergency, this insurance covers the cost to return the Insured Person’s baggage up to an overall maximum of $500 per Covered Trip. 33 SECTION 7 – LIMITATIONS AND EXCLUSIONS: WHAT YOUR INSURANCE DOES NOT COVER Limitations and exclusions that apply to a particular benefit are found above, in the description of those benefits. In addition, for all benefits, this Certificate does not cover any Treatment, services, or expenses of any kind caused directly or indirectly as a result of the following: 1. Failure to report • A Medical Emergency must be reported to Our Administrator within 48 hours of admission to Hospital, or as soon as is reasonably possible. • If the Medical Emergency is not reported as required, the maximum benefit payable with respect to theMedical Emergency will be 80% of the Eligible Medical Emergency Expenses, to a limit of $30,000. 2. Pre-Existing Condition • There is no coverage and no benefit will be paid for anyPre-Existing Condition that was not Stable during the Pre-Existing Condition Period immediately preceding the beginning of the Coverage Period. 3. Reasonably foreseeable conditions • No benefit will be payable with respect to a sickness, accidental injury or Medical Emergency that was reasonably foreseeable when the Insured Person departed on the Covered Trip. 4. Medical Emergency occurring outside the Coverage Period • No benefit will be payable with respect to aMedical Emergency that occurs before the Coverage Period begins or after it ends. • For an Insured Person under age 65, this means, for example, that no benefit will be paid with respect to anyMedical Emergency if an Insured Person’s Medical Emergency occurs after the first 21 days following annInsured Person’s departure date from their province or territory of residence. • For an Insured Person 65 years of age or older, this means, for example, that no benefit will be paid with respect to anyMedical Emergency if an Insured Person’s Medical Emergency occurs after the first 4 days following anInsured Person’s departure date from their province or territory of residence. • Note that the day of departure counts as a full day for this purpose. 5. Failure to transfer to an appropriate facility for Treatment • We, in consultation with the Insured Person’s treating Physician, reserve the right to transfer an Insured Person to an appropriate medical facility or to his or her province or territory of residence for further Treatment. • Failure to comply with a transfer request will absolve Us of any liability to provide benefits for expenses incurred after the scheduled transfer date. 6. Recurrence • A Medical Emergency is considered to have ended when medical evidence indicates that the Insured Person is able to return to his or

34 her province or territory of residence. No benefits will be paid in connection with the condition that caused a Medical Emergency if they are incurred after that time. 7. Failure to obtain advance approval • Where an Eligible Medical Emergency Expense specifies that it must be approved in advance by Our Administrator, if advance approval is not obtained, no benefit will be payable for that expense. • No benefit will be paid with respect to any surgery or invasive procedure that has not been approved in advance by Our Administrator, except in extreme circumstances where a request for prior approval would delay necessary surgery in a life-threatening medical crisis. 8. Non-emergency services • No benefit will be payable with respect to non-emergency, experimental or elective services, including any Treatment, surgery or medication which medical evidence indicates that the Insured Person could have returned to Canada to receive. 9. General • As noted above, the benefits payable under the Group Policy will be the actual cost of the covered expense less: • the amount reimbursable under GHIP; and • the amount reimbursable through any other insurance or health plan coverage. 10. In addition, no benefit will be payable in connection with Treatment, services or expenses related to or resulting from: a. Misrepresentation • any Medical Condition for which You or an Insured Person provided Our Administrator or Us with false or inaccurate information regarding Hospitalizations, Treatment or medications; b. Pregnancy • pregnancy or childbirths within 9 weeks of expected delivery date; • any complication relating to pregnancy that occurs in the last 9 weeks leading up to the expected delivery date, or after the expected delivery date; • any child born during a Covered Trip; c. Intentionally inflicted injuries • intentionally inflicted injuries, suicide or attempted suicide, while either sane or insane; d. Failure to take medication • failure to take medication as prescribed by the Insured Person’s Physician; e. Alcohol or drug abuse • abuse of medication or alcohol or use of illicit drugs; f. Crime • participation in a criminal offence;

35 g. Professional Sports or Racing • participation in professional sports or any organized racing or speed contests; h. War • any act of war, whether declared or not, hostile or warlike action in time of peace or war, insurrection, rebellion, revolution, civil war, or hijacking; i. Commuting • any trip that is primarily for the purpose of commuting to or from the Insured Person’s usual place of employment; j. Mental Problems • any mental, nervous or emotional problems, including any Medical Emergency arising from these problems; k. Hazardous Activities • recreational scuba diving (unless the Insured Person holds a basic scuba designation from a certified school or licensing body), mountaineering, bungee-jumping, parachuting, parasailing, cave exploration, hang-gliding, skydiving or any airborne activity in any aircraft other than a passenger aircraft that holds a valid certificate of airworthiness; l. Travel Advisories • travel in a country if the Canadian government had issued a travel advisory for that country that was in effect immediately before the Coverage Period began. 11. Dependent Child not travelling with You or Your Spouse. No benefit will be payable with respect to aDependent Child unless he or she is travelling with You or Your Spouse. 12. Family members of an Additional Cardholder. No benefit will be payable with respect to a person merely because that person is the Spouse or a Dependent Child of an Additional Cardholder, unless that person is otherwise eligible for insurance under this Certificate. SECTION 8 – WHAT TO DO IN A MEDICAL EMERGENCY When a Medical Emergency occurs, You or if applicable, an Insured Person, must phone Our Administrator immediately, or as soon as is reasonably possible. Otherwise, benefits will be limited as described in section 7 under “Limitations and Exclusions: 1. Failure to Report”. Some expenses will only be covered if Our Administrator approves them in advance. Assistance is available twenty-four hours a day, seven days a week, by calling toll-free 1-866-374-1129 from Canada or the U.S.A., or from other countries by calling collect (416) 977-4425. Our Administrator will verify whether coverage is in effect and, if so, will direct the Insured Person to the nearest appropriate medical facility. Our Administrator will pay, or guarantee payment to, the provider of medical services wherever possible, and manage the Insured Person’s Medical Emergency from the initial report through its conclusion.

36 If a direct guarantee or payment is not possible, the Insured Person may be asked to pay for services. Upon submission of a claim, the Insured Person will be reimbursed for any such Eligible Medical Emergency Expenses so paid, as described under this Certificate.

Note: All payments and payment guarantees are subject to the terms and conditions of the Certificate, including limitations and exclusions.

SECTION 9 – HOW TO MAKE A CLAIM A Medical Emergency should always be reported immediately, as described in section 8, or benefits will be limited. Failure to Report a Claim Immediately If, without contacting Our Administrator for assistance and claim management, an Insured Person incurs Eligible Medical Emergency Expenses, then he or she must first submit receipts and other proof to: • GHIP; • then to any group or individual health plans and/or insurers. Any Eligible Medical Emergency Expenses that are not covered by such GHIP, health plans or insurance should then be submitted to Our Administrator with proof of claim, receipts and payment statements. In this case, claims forms can be obtained from Our Administrator’s Customer Service representatives at the number set out in section 10. The Insured Person will also be required to provide evidence of his or her actual date of departure from his or her province or territory of residence. Reporting a Claim Immediately If Hospital or other medical charges have been guaranteed or paid by Our Administrator on behalf of an Insured Person then You and, if applicable, the Insured Person must sign an authorization form allowing Our Administrator to recover these charges: • from the Insured Person’s GHIP; • from any health plan or other insurance; • through subrogation rights against any responsible third party. If Our Administrator has paid for Eligible Medical Emergency Expenses covered under other insurance or another plan, You and, if applicable, the Insured Person must assist Our Administrator in obtaining reimbursement, where necessary. The Insured Person will also be required to provide evidence of his or her actual date of departure from his or her province or territory of residence.

Note: If an advance payment is made for expenses and it is later discovered that they were not covered under this Certificate, then You and/or the Insured Person must reimburse Us.

37 SECTION 10 – HOW TO CONTACT OUR ADMINISTRATOR 24 Hour Emergency Assistance Number To report a Medical Emergency, You or, if applicable, the Insured Person can call Our Administrator twenty-four hours a day, seven days a week at: From the U.S.A. or Canada 1-866-374-1129 From elsewhere, call collect (416) 977-4425 Customer Service: Phone number To enquire about Your benefits under thisCertificate or to check on the status of an existing claim, You can call Our Administrator at: Toll-free at 1-866-374-1129 or at (416) 977-4425 Monday – Saturday 8 a.m. – 8 p.m. Eastern Time In a non-emergency situation, You can also call this number to obtain claims forms. Customer Service: Mailing Address You can mail your request to: Allianz Global Assistance Re: TD First Class Travel Visa Infinite – Travel Medical Insurance P.O. Box 277 Waterloo Ontario N2J 4A4 Fax: (519) 742-9471. SECTION 11 – GENERAL CONDITIONS Unless this Certificate or the Group Policy states otherwise, the following conditions apply to Your coverage: Proof of Loss The appropriate claims forms together with written proof of loss must be furnished as soon as reasonably possible, but in all events within one (1) year from the date on which the loss occurred. Review and Medical Examination When a claim is being processed, We will have the right and the opportunity, at Our own expense, to review all medical records related to the claim and to examine the Insured Person medically when and as often as may be reasonably required. Subrogation There may be circumstances where another person or entity should have paid You for a loss but instead We paid You for the loss. If this occurs, You agree to co-operate with Us so We may demand payment from the person or entity who should have paid You for the loss. This may include: • transferring to Us the debt or obligation owing to You from the other person or entity; • permitting Us to bring a lawsuit in Your name; • if You receive funds from the other person or entity, You will hold it in trust for Us; • acting so as not to prejudice any of Our rights to collect payment from the other person or entity. We will pay the costs for the actions We take. 38 Other Insurance All of Our policies are excess insurance, meaning that any other sources of recovery You have will pay first, and this insurance policy will be the last to pay. The total benefits payable under allYour insurance, including this Certificate, cannot be more than the actual expenses for a claim. If an Insured Person is also insured under any other insurance Certificate or policy, We will coordinate payment of benefits with the other insurer. In no case will We seek to recover against employment related plans if the lifetime maximum for all in-country and out-of-country benefits is $50,000 or less. If the lifetime maximum for all in-country and out-of-country benefits is over $50,000, We will coordinate benefits only above this amount. Legal Action Limitation Period Every action or proceeding against the insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of Alberta or British Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation. False Claim If You or an Insured Person make a claim knowing it to be false or fraudulent in any respect, neither You nor the Insured Person will be entitled to the benefits of this coverage, nor to the payment of any claim under the Group Policy. Currency All amounts are shown in Canadian currency. Access to Medical Care TD Life, the Bank, Our Administrator and their affiliates are not responsible for the availability, quality or results of any medical Treatment or transport , or for the failure of any Insured Person to obtain medical Treatment. Group Policy All benefits under thisCertificate are subject in every respect to the Group Policy which alone constitutes the agreement under which benefits will be provided. This Group Policy is issued to the Bank. The principal provisions of the Group Policy affecting Insured Persons are summarized in this Certificate. The Group Policy is on file at the office of theBank .

TRIP CANCELLATION / TRIP INTERRUPTION INSURANCE Insured by: TD Life Insurance Company and TD Home and Auto Insurance Company 320 Front Street West, 3rd Floor Toronto, ON M5V 3B6 Certificate of Insurance This Certificate applies to the TD First Class Travel Visa Infinite Account. 39 Effective March 17, 2008, TD Life Insurance Company (“TD Life”) provides the insurance for the Medical Covered Causes for Cancellation and the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV003. Effective September 1, 2010, TD Home and Auto Insurance Company (“TDH&A”) provides the insurance for the Non-Medical Covered Causes for Cancellation and the Non-Medical Covered Causes for Interruption under this Certificate under Group Policy TGV006. Together, these policies are referred to as the “Group Policies”. Our Administrator administers the insurance on behalf of TD Life and TDH&A and provides claims payment and administrative services under the Group Policies. This Certificate contains important information. Please read it carefully and take it with You on Your trip. This Certificate contains a clause which may limit the amount payable.

Important Notes: Pre-Existing Conditions: A Pre-Existing Condition exclusion applies to the Trip Cancellation and Trip Interruption benefits. Please see Limitations and Exclusions under sections 6 through 8 for details. If You have any questions regarding Pre-Existing Conditions and/or want to confirm coverage, please contactOur Administrator at 1-866-374-1129 or at (416) 977-4425. If You need to cancel or interrupt a trip: If a Covered Cause for Cancellation or Interruption occurs, You or, if applicable, an Insured Person, must phone the Administrator immediately. Please see section 11 for contact information. This policy contains a provision removing or restricting the right of the group life insured to designate persons to whom or for whose benefit insurance money is to be payable.

SECTION 1 – SUMMARY OF BENEFITS Benefits Maximum Benefit Payable Trip Cancellation Insurance $1,500 per Insured Person per Covered Trip $5,000 total per Covered Trip for all Insured Persons on the same Covered Trip Trip Interruption Insurance $5,000 per Insured Person per Covered Trip $25,000 total per Covered Trip for all Insured Persons on the same Covered Trip Note: If the value of an Insured Person’s Covered Trip exceeds the amounts listed above, You may wish to speak to your travel agent or other travel supplier for excess coverage. 40 SECTION 2 – DEFINITIONS In this Certificate, the following words and phrases shown in italics have the meanings shown below. As You read through the Certificate, You may need to refer to this section to ensure You have a full understanding of Your coverage, limitations and exclusions. Account means the Primary Cardholder’s TD First Class Travel Visa Infinite Card account that the Bank maintains. Additional Cardholder means a person to whom a TD First Class Travel Visa InfiniteCard has been issued at the authorization of the Primary Cardholder. Administrator means the service provider arranged by TD Life and TDH&A to provide claims payment and administrative services under the Group Policies. Bank means The Toronto-Dominion Bank. Certificate means this certificate of insurance. Common Carrier means any land, air or water conveyance which is licensed to carry passengers without discrimination and for hire, excluding courtesy transportation provided without a specific charge. Coverage Period means the period of time during which a covered event must occur for a benefit to be payable. Coverage Period means the Trip Cancellation Coverage Period or the Trip Interruption Coverage Period, as applicable. These terms are defined in section 5. Covered Trip means a trip: • made by an Insured Person outside the Insured Person’s province or territory of residence; • that does not extend to or past: • the date the Insured Person no longer meets the eligibility requirements set out in section 3; • the date coverage terminates as described in section 4; • that was booked or reserved prior to departure from the Insured Person’s province or territory of residence; and • for which the full cost has been charged: • to Your Account and/or • using Your TD Points. Dependent Children means Your natural, adopted, or step-children who are: • unmarried; • dependent on You for financial maintenance and support; and • under 22 years of age; or • under 26 years of age and attending an institution of higher learning, full-time, in Canada; or • mentally or physically handicapped. Note: A Dependent Child does not include a child born while the child’s mother is outside her province or territory of residence during the Covered Trip. The child will not be insured with respect to that trip. 41 Effective Date means the date this Certificate takes effect with respect to You, and is the later of March 17, 2008 and the date on which an Account is opened by the Bank for You and You meet the eligibility requirements set out in section 3 with respect to this Account. Only Covered Trips booked on or after the Effective Date shall be eligible for coverage. Good Standing: An Account is in Good Standing if: • the Primary Cardholder has applied for the Account; • the Bank has approved and opened the Account; • the Primary Cardholder has not advised the Bank to close the Account; and • the Bank has not suspended or revoked credit privileges or otherwise closed the Account. Hospital means an institution that is accredited and licensed by the appropriate authority as a hospital to Treat patients on an in-patient, out-patient and emergency basis; or the nearest medical facility that has been approved in advance by Our Administrator. Exceptions: Hospital does not include chronic care, convalescent, rehabilitation or nursing home facilities. Immediate Family Member means an Insured Person’s Spouse, parents, step parent, grandparents, natural or adopted children, step children or legal ward, step sisters, step brothers, grandchildren, brothers, brothers-in-law, sisters, sisters-in-law, aunts, uncles, nieces or nephews, sons-in-law or daughters-in-law, and the Insured Person’s Spouse’s parents, grandparents, brothers, brothers-in-law, sisters, sisters-in-law and children. Insured Person means a person who is eligible to be insured under this Certificate as described in section 3. Medical Condition means an irregularity in the health of an Insured Person which required or requires medical advice, consultation, investigation, Treatment, care, service or diagnosis by a Physician. Physician means a physician or surgeon who is registered or licensed to practice medicine in the jurisdiction where he or she provides medical advice or Treatment and who is not related by blood or marriage to any Insured Person under this Certificate. Pre-Existing Condition means a Medical Condition: • for which symptoms appeared in the Pre-Existing Condition Period; • that was investigated, diagnosed or Treated during the Pre-Existing Condition Period, where Treatment includes medication; or • for which further investigation was recommended or prescribed, or for which a change in Treatment was recommended (including a change in medication or dosage) during the Pre-Existing Condition Period. Pre-Existing Condition Period with respect to any benefit under this Certificate is as follows: • Insured Persons under 65 years of age – 90 days immediately before the beginning of the Coverage Period; and • Insured Persons 65 years of age or older – 180 days immediately before the beginning of the Coverage Period.

42 Primary Cardholder means a person who applied for a TD First Class Travel Visa Infinite Card, whose name is on the Account and to whom a TD First Class Travel Visa Infinite Card has been issued. A Primary Cardholder does not include an Additional Cardholder. Spouse means: • the Insured Person’s legal husband or wife; and • the person who the Insured Person has lived with for at least one year and publicly represented as his or her domestic partner. Stable means any Medical Condition or related condition (whether or not the diagnosis has been determined) for which there have been: • no new or change in medication or dosage; • no new or change in Treatment; • no new or increase in frequency or severity of symptoms; • no referral or recommendation to see a specialty clinic or specialist; • no pending test results or testing; or • no pending surgery or other Treatment. TD Points means the rewards units earned for goods and services charged to the Account through the TD Travel Rewards Program associated with the Account. Travelling Companion means someone who shares trip arrangements and accommodations with You. Exceptions: No more than three (3) individuals (including You) will be considered travel companions on any one trip. Treated or Treatment means any medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a Physician, including but not limited to prescribed or unprescribed medication, investigative testing and surgery. The term “treatment” does not include the unaltered use of prescribed medication for a Medical Condition which is Stable. We, Us and Our mean TD Life Insurance Company with respect to the Medical Covered Causes for Cancellation and Medical Covered Causes for Interruption. We, Us and Our mean TD Home and Auto Insurance Company with respect to the Non-Medical Covered Causes for Cancellation and Non-Medical Covered Causes for Interruption. These terms are defined in sections 6 and 7. You and Your means the Primary Cardholder. SECTION 3 – ELIGIBILITY The Primary Cardholder is eligible to be insured under this Certificate if, throughout the Covered Trip, the Primary Cardholder: • is a resident of Canada; and • has an Account in Good Standing. The Primary Cardholder’s Spouse is eligible to be insured under this Certificate if, throughout the Covered Trip: • You are eligible to be insured under this Certificate as described above, even if You are not travelling; and • the Spouse: 43 • is a resident of Canada; and • continues to meet the definition ofSpouse of the Primary Cardholder. The Primary Cardholder’s Dependent Child is eligible to be insured under this Certificate whether or not the Primary Cardholder or the Primary Cardholder’s Spouse travels with them if, throughout the Covered Trip: • You are eligible to be insured under this Certificate as described above, even if You are not travelling; and • the Dependent Child: • is a resident of Canada; • is travelling with either You or with Your Spouse; and • continues to meet the definition ofDependent Child. An Additional Cardholder is eligible to be insured under this Certificate if, throughout the Covered Trip: • You are eligible to be insured under this Certificate as described above, even if You are not travelling; and • the Additional Cardholder; • is a resident of Canada; and • continues to meet the definition ofAdditional Cardholder. Note: An Additional Cardholder’s Spouse and children are not eligible to be insured unless they meet one of the other eligibility requirements described above (e.g. if the Additional Cardholder’s child is also the Primary Cardholder’s Dependent Child). SECTION 4 – WHEN YOUR CERTIFICATE TERMINATES Coverage for the Primary Cardholder under this Certificate will terminate on the earliest of the following dates: • the date the Account is cancelled, closed or otherwise ceases to be in Good Standing; • the date the Primary Cardholder ceases to be eligible for coverage; and • the date the Group Policy terminates. Coverage for an Insured Person other than the Primary Cardholder under this Certificate will terminate on the earliest of the following dates: • the date coverage terminates for the Primary Cardholder; and • the date the Insured Person ceases to be eligible for coverage. No benefits will be paid under thisCertificate for losses incurred after coverage has terminated. SECTION 5 – THE COVERAGE PERIOD Trip Cancellation Coverage Period (when the Covered Causes for Cancellation occurs before Your trip) • The Trip Cancellation Coverage Period begins on the date the Covered Trip is booked or reserved with the travel agent or other travel supplier and the full cost of the Covered Trip has been

44 charged to Your Account using a TD First Class Travel Visa Infinite Card and/or Your TD Points. • Dependent Children are only covered if travelling with You or Your Spouse. Therefore, for each Insured Person who is a Dependent Child the Trip Cancellation Coverage Period begins on the date set out above only if You or Your Spouse will be travelling with the Dependent Child on the Covered Trip. The Trip Cancellation Coverage Period ends on the earlier of: • the date the Insured Person departs or plans to depart on the Covered Trip; and • the date this Certificate terminates. Trip Interruption Coverage Period (when the Covered Causes for Interruption occurs during Your trip) • The Trip Interruption Coverage Period begins on the date the Insured Person completes a portion of the Covered Trip as shown on his or her invoice or ticket provided the Covered Trip is booked or reserved with the Insured Person’s travel agent or other travel supplier and the full cost of the Covered Trip has been charged to Your Account using a TD First Class Travel Visa Infinite Card and/or Your TD Points. • Dependent Children are only covered while travelling with You or Your Spouse. Therefore, for each Insured Person who is a Dependent Child the Trip Interruption Coverage Period begins on the date set out above only if You or Your Spouse are travelling with the Dependent Child on the Covered Trip. The Trip Interruption Coverage Period ends on the earlier of: • the date the Insured Person is scheduled to return from the Covered Trip; and • the date this Certificate terminates. SECTION 6 – WHAT YOUR INSURANCE COVERS – TRIP CANCELLATION INSURANCE We will pay a Trip Cancellation Benefit with respect to anInsured Person if he or she is required to cancel a Covered Trip due to a Covered Cause for Cancellation listed below that occurs during the Trip Cancellation Coverage Period for the Covered Trip. Trip Cancellation Benefit means, subject to the Maximum Benefit Payable described in section 1, Eligible Trip Cancellation Expenses. Eligible Trip Cancellation Expenses means one of the following two options: • reimbursement for: • the portion of the Insured Person’s unused travel arrangements which were: • Paid in advance and the full cost was charged to Your Account and/or using Your TD Points; • Forfeited as a result of a Covered Cause for Cancellation; and

45 • Non-refundable on the date the Covered Cause for Cancellation arose; and • travel point administration cancellation fees that applied on the date the Covered Cause for Cancellation arose, where applicable; but Exclusion: there will be no reimbursement for the cost of any additional travel insurance; • or, in the alternative, if the Insured Person misses the scheduled departure as a result of a Covered Cause for Cancellation, payment of reasonable transportation costs that are: • required for the Insured Person to travel to the destination of the Covered Trip by the most direct route; and • approved in advance by the Administrator. Covered Causes for Cancellation Covered Causes for Cancellation mean Medical Covered Causes for Cancellation and Non-Medical Covered Causes for Cancellation, as described below. Medical Covered Causes for Cancellation mean: • death of an Insured Person or Travelling Companion • sudden and unexpected sickness or accidental injury of an Insured Person or Travelling Companion if: • it did not result from a Pre-Existing Condition that was not Stable during the Pre-Existing Condition Period immediately preceding the beginning of the Coverage Period; • it prevents the Insured Person from starting the Covered Trip; • a Physician certifies, in writing: • that: • he or she has advised the Insured Person or Travelling Companion to cancel the Covered Trip; or • the sickness or injury made it impossible for the Insured Person or Travelling Companion to start the Covered Trip; and • the medical reason for the decision; and • The Insured Person or Travelling Companion provides the Physician’s certification to theAdministrator before the scheduled departure date; • death of an Immediate Family Member of the Insured Person; • sudden and unexpected sickness or accidental injury of an Immediate Family Member of the Insured Person; or • the sudden and unexpected death or hospitalization of an Insured Person’s host at the destination. Non-Medical Covered Causes for Cancellation mean: • an enforceable call of an Insured Person or Travelling Companion to jury duty or sudden and unexpected subpoena of an Insured Person or Travelling Companion to act as a witness in a court of law requiring the Insured Person’s or Travelling Companion’s presence 46 in court during the Covered Trip; • a written formal notice issued by the Department of Foreign Affairs and International Trade of the Canadian government after the Insured Person’s Covered Trip is booked, advising Canadians not to travel to a country, region or city originally ticketed for the Covered Trip for a period that includes an Insured Person’s Covered Trip; • an employment transfer of the Insured Person by the employer with whom the Insured Person was employed on the date the Insured Person booked his or her Covered Trip, which transfer requires the relocation of the Insured Person’s principal residence within 30 days before the Insured Person’s scheduled Covered Trip departure date; • a delay causing an Insured Person to miss a connection for a Common Carrier or resulting in the interruption of an Insured Person’s travel arrangements, and is limited to the following: • delay of an Insured Person’s Common Carrier resulting from the mechanical failure of that carrier; • a traffic accident or an emergency police-directed road closure (either must be substantiated by a police report); or • weather conditions. Exclusion: The outright cancellation of Common Carrier travel is not considered a delay. Limitation: The benefit under this Covered Cause for Cancellation is the Insured Person’s one-way economy fare via the most cost-effective route to the Insured Person’s next destination; • a natural disaster that renders an Insured Person’s principal residence uninhabitable; • an Insured Person is quarantined in a situation where no Medical Covered Cause for Cancellation applies; • an Insured Person is hijacked; and • an enforceable call to service of an Insured Person or Travelling Companion who is a military, police or fire reservist. Limitations and Exclusions 1. Pre-Existing Condition • There is no coverage and no benefit will be payable for any Pre-existing Condition that was not Stable during the Pre-Existing Condition Period immediately preceding the Coverage Period. 2. Reasonably foreseeable conditions • No benefit will be payable with respect to a sickness, accidental injury or quarantine of the Insured Person that was reasonably foreseeable when the Trip Cancellation Coverage Period began. 3. Cancellation penalties arising after Covered Cause for Cancellation • Benefits will be limited to cancellation penalties in effect on the date the Covered Cause for Cancellation arises, so it is important to cancel the Insured Person’s travel plans immediately. 47 4. Causes not covered • No benefit will be payable with respect to cancellation of a Covered Trip for any reason other than those listed under Covered Causes for Cancellation. 5. Frequent flyer plan rewards units • Under no circumstance will any benefit be payable in connection with the value of frequent flyer plan rewards units that have been lost or wasted. SECTION 7 – WHAT YOUR INSURANCE COVERS - TRIP INTERRUPTION INSURANCE We will pay a Trip Interruption Benefit with respect to anInsured Person if he or she is prevented from continuing a Covered Trip as a result of a Covered Cause for Interruption listed below that occurs during the Trip Interruption Coverage Period for the Covered Trip. Trip Interruption Benefit means, subject to the Maximum Benefit Payable described in Section 1, Eligible Trip Interruption Expenses. Eligible Trip Interruption Expenses means: • if the Insured Person must terminate the Covered Trip as a result of the Covered Cause for Interruption, the lesser of: • the cost of a one-way economy airfare to the point of departure, if the Administrator approves this transportation in advance; or • the fee charged by the airline to change the Insured Person’s date of return; • if the Insured Person is delayed in reaching the next destination of his or her Covered Trip as a result of a Covered Cause for Interruption, payment of reasonable additional transportation costs that are: • required for the Insured Person to rejoin a tour group by the most direct route; and • approved in advance by the Administrator; and • the portion of any unused land arrangements which were: • part of the Insured Person’s Covered Trip; • paid prior to the Insured Person’s date of departure; and • non-refundable on the date the Covered Cause of Interruption occurred. Covered Causes for Interruption Covered Causes for Interruption mean Medical Covered Causes for Interruption and Non-Medical Covered Causes for Interruption, as described below. Medical Covered Causes for Interruption mean: • death of an Insured person; • accidental injury or sickness of an Insured Person if: • it does not result from a Pre-Existing Condition that was not Stable during the Pre-Existing Condition Period immediately preceding the beginning of the Coverage Period; and • in the opinion of the Administrator:

48 • it requires immediate medical attention; and • either: • it prevents the Insured Person from continuing with the Covered Trip; or • the Insured Person will be delayed in reaching the next destination of his or her Covered Trip; • death of an Immediate Family Member of the Insured Person; • sudden and unexpected sickness or accidental injury of an Immediate Family Member which requires an overnight stay in a Hospital. Non-Medical Covered Causes for Interruption mean: • a written formal notice issued during the Covered Trip by the Department of Foreign Affairs and International Trade of the Canadian government, advising Canadians not to travel to a country, region or city originally ticketed for the Covered Trip for a period that includes an Insured Person’s Covered Trip; • a delay causing an Insured Person to miss a connection for a Common Carrier or resulting in the interruption of an Insured Person’s travel arrangements, and is limited to the following: • a delay of an Insured Person’s Common Carrier, resulting from the mechanical failure of that carrier; • a traffic accident or an emergency police-directed road closure (either must be substantiated by a police report), or • weather conditions. Exclusion: The outright cancellation of a flight is not considered as a delay. Limitation: The benefit under this Covered Cause for Interruption is the Insured Person’s one-way economy fare via the most cost-effective route to the Insured Person’s next destination; • a natural disaster that renders an Insured Person’s principal residence uninhabitable; • an Insured Person’s quarantine or hijacking; and • an enforceable call to service of an Insured Person who is a military, police or fire reservist. Limitations and Exclusions 1. Pre-Existing Conditions • There is no coverage and no benefit will be paid for any Pre-Existing Condition that was not Stable during the Pre-Existing Condition Period immediately preceding the beginning of the Coverage Period. 2. Reasonably foreseeable conditions • No benefit will be payable with respect to a sickness or accidental injury of the Insured Person that was reasonably foreseeable when the Insured Person departed on the Covered Trip.

49 3. Interruption occurring outside the Coverage Period • No benefit will be payable with respect to an interruption that occurs before the Trip Interruption Coverage Period begins or after it ends. 4. Sums that become non-refundable after the Covered Cause for Interruption occurs • Only the sums that are non-refundable on the day the Covered Cause for Interruption occurs will be eligible for the purposes of this claim, so it’s important to call the Administrator immediately to discuss alternate arrangements. 5. Causes not covered • No benefit will be payable with respect to interruption of a Covered Trip for any reason other than those listed under Covered Causes for Interruption. 6. Frequent flyer plan rewards units • Under no circumstance will any benefit be payable in connection with the value of frequent flyer plan rewards units that have been lost or wasted. 7. Unused Return Travel • Under no circumstance will Trip Interruption Benefits include the cost of prepaid unused return travel. SECTION 8 – LIMITATIONS AND EXCLUSIONS: WHAT YOUR INSURANCE DOES NOT COVER Limitations and exclusions that apply to a particular benefit are found above, in the description of those benefits. In addition, for all benefits, this Certificate does not cover any Treatment, services, or expenses of any kind caused directly or indirectly as a result of the following: • Pre-Existing Conditions; • reasonably foreseeable Medical Conditions; • failure to report a Covered Cause for Trip Cancellation or Trip Interruption immediately; • failure to obtain advance approval from the Administrator for certain expenses, including travel arrangements; Please see the relevant benefit section for details. In addition: 1. No benefit will be payable in connection with losses related to or resulting from: a. Pregnancy • pregnancy or childbirth within 9 weeks of expected delivery date; • any complication relating to pregnancy that occurs in the last 9 weeks leading up to the expected delivery date, or after the expected delivery date; • any child born during the Covered Trip in question; b. Intentionally inflicted injuries • intentionally inflicted injuries, suicide or attempted suicide, while either sane or insane; 50 c. Alcohol or drug abuse • abuse of medication or alcohol or use of illicit drugs; d. Crime • participation in a criminal offence; e. Professional Sports or Racing • participation in professional sports or any organized racing or speed contests; f. War • any act of war, whether declared or not, hostile or warlike action in time of peace or war, insurrection, rebellion, revolution, civil war, or hijacking; g. Mental Problems • any mental, nervous or emotional problems; h. Hazardous Activities • recreational scuba diving (unless the Insured Person holds a basic scuba designation from a certified school or licensing body), mountaineering, bungee-jumping, parachuting, parasailing, cave exploration, hang-gliding, skydiving or any airborne activity in any aircraft other than a passenger aircraft that holds a valid certificate of airworthiness; i. Travel Advisories • travel in a country if the Canadian government had issued a travel advisory for that country that was in effect immediately before the Coverage Period for the benefit in question began. 2. Dependent Child not travelling with You or Your Spouse No benefit will be payable: • with respect to a Dependent Child unless he or she is travelling • with You or, • if Your Spouse is an Insured Person under this Certificate, with Your Spouse. SECTION 9 – WHAT TO DO IF YOU NEED TO CANCEL OR INTERRUPT A TRIP Trip Cancellation It is important to call the Administrator immediately at the 24 Hour Emergency Assistance number found in section 11, below. The amount payable under Trip Cancellation coverage is limited to the cancellation penalties in effect on the date the Covered Cause for Cancellation occurs, so it’s important to cancel the Insured Person’s plans immediately but no later than within one day. After the Insured Person has cancelled his or her travel arrangements with the travel supplier, the Insured Person will need to follow the instructions under Section 10 – How To Make A Claim.

51 Trip Interruption The Insured Person must call the Administrator immediately at the 24 Hour Emergency Assistance number found in section 11, below. Some expenses are only covered if they’re approved in advance by the Administrator. All transportation expenses must be pre-approved. Only the expenses that are non-refundable on the day the Covered Cause for Interruption occurs are eligible for reimbursement, so contact the Administrator immediately but no later than within one day to discuss alternate travel arrangements. SECTION 10 – HOW TO MAKE A CLAIM Once the Insured Person has cancelled his or her travel arrangements with the travel agent or other travel supplier, call the Administrator at the Customer Service phone number in section 11 to obtain a claim form. The Insured Person will be required to submit a completed claim form and provide documentation to substantiate the claim, including the following: • original invoice, original tickets (including any unused coupons), original vouchers, and original itinerary; • Your Account statement and any other documentation necessary to confirm that the costs of Eligible Expenses were charged infull to Your Account and/or using Your TD Points; • proof that cancellation or interruption resulted from a Covered Cause for Cancellation or from Covered Cause for Interruption, as applicable. This may include a medical certificate,Physician’s written statement or death certificate, reports from police,Common Carrier or local authorities; and • where the claim relates to a Medical Covered Cause for Interruption or a Medical Covered Cause for Cancellation, a signed “Release of Medical Information” authorization to allow Us to obtain any further information required to complete the claim review. The Insured Person will also be required to provide evidence of his or her actual or planned departure date from his or her province or territory of residence. SECTION 11 – HOW TO CONTACT OUR ADMINISTRATOR 24 Hour Emergency Assistance Number To make arrangements with respect to Trip Interruption or Trip Cancellation, the Insured Person can call the Administrator twenty-four hours a day, seven days a week at: From the U.S.A. or Canada 1-866-374-1129 From elsewhere, call collect (416) 977-4425 Customer Service: Phone number To enquire about these benefits, theInsured Person can call the Administrator at: 1-866-374-1129 or at (416) 977-4425 Monday – Saturday 8 a.m. – 8 p.m. Eastern Time

52 SECTION 12 – GENERAL CONDITIONS Unless this Certificate or the Group Policy states otherwise, the following conditions apply to Your coverage: Proof of Loss The appropriate claims forms together with written proof of loss must be furnished as soon as reasonably possible, but in all events within one (1) year from the date on which the loss occurred. Review and Medical Examination When a claim is being processed, We will have the right and the opportunity, at Our own expense, to review all medical records related to the claim and to examine the Insured Person medically when and as often as may be reasonably required. Subrogation There may be circumstances where another person or entity should have paid You for a loss but instead We paid You for the loss. If this occurs, You agree to co-operate with Us so We may demand payment from the person or entity who should have paid You for the loss. This may include: • transferring to Us the debt or obligation owing to You from the other person or entity; • permitting Us to bring a lawsuit in Your name; • if You receive funds from the other person or entity, You will hold it in trust for Us; • acting so as not to prejudice any of Our rights to collect payment from the other person or entity. We will pay the costs for the actions We take. Other Insurance All of our policies are excess insurance, meaning that any other sources of recovery You have will pay first, and this insurance policy will be the last to pay. The total benefits payable under all Your insurance, including this Certificate, cannot be more than the actual expenses for a claim. If an Insured Person is also insured under any other insurance Certificate or policy, We will coordinate payment of benefits with the other insurer. Legal Action Limitation Period Every action or proceeding against the insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of Alberta or British Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation. False Claim If You or an Insured Person makes a claim knowing it to be false or fraudulent in any respect, neither You nor the Insured Person will be entitled to the benefits of this coverage, nor to the payment of any claim under the Group Policies.

53 Group Policies All benefits under thisCertificate are subject in every respect to the Group Policies which alone constitute the agreements under which benefits will be provided. The Group Policies are issued to The Toronto-Dominion Bank (the “Bank”). The principal provisions of the Group Policies affecting Insured Persons are summarized in this Certificate. The Group Policies are on file at the office of theBank .

COMMON CARRIER TRAVEL ACCIDENT INSURANCE Provided by: TD Life Insurance Company 320 Front Street West, 3rd Floor Toronto, ON M5V 3B6 The coverage Certificate below applies to the TD First Class TravelVisa Infinite Card which will be referred to as a “TD Credit Card Account” throughout the Certificate: Coverage Certificate TD Life Insurance Company (“TD Life”) provides the insurance for this Certificate under Master Policy #TGV009 (the “Policy”) issued to The Toronto-Dominion Bank. This Insurance is administered by Allianz Global Assistance through the Operations Centre (“Allianz”). Allianz administers the insurance on behalf of TD Life, and provides claims assistance, claims payment and administrative services under the Policy. This Certificate contains a clause which may limit the amount payable. Words in italics in this Certificate are defined in Section 1. Section 1 – Definitions ACCIDENTAL BODILY INJURY(IES) means bodily injury which is accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this Policy is in force. ACCOUNT means Your TD Credit Card Account accessed using Your TD Credit Card or TD Visa Cheque. ACCOUNT HOLDER means the Primary Cardholder to whom the monthly Account statement is sent, and who is a resident of Canada and any Additional Cardholder who is a resident of Canada. The Account Holder may be referred to herein using “you” and “your”. ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has been issued at the authorization of the Primary Cardholder. COMA means a profound state of unconsciousness from which the Insured Person cannot be aroused to consciousness even by powerful stimulation, as determined by a physician. (Note: Coma benefits are available only to Dependent Children.) COMMON CARRIER means any licensed land, water or air conveyance operated by those whose occupation or business is transportation of persons or things without discrimination for hire. Should a Common Carrier 54 be delayed or rerouted, such that the carrier is required to arrange alternate transportation for its passengers, the definition ofCommon Carrier will extend to whatever conveyance is used for this purpose. Such alternate transportation need not be charged to your Account for coverage to be in effect. Common Carrier is extended to include any Airline having a Charter Air Carrier’s License or its equivalent, provided it maintains regularly scheduled flights and publishes timetables and fares consistent with Scheduled Airline practices and provided the aircraft is limited to fixed-wing turbo-prop or jet Aircraft. Rafts, amusement park rides, jet skis, balloons, ski lifts and hang-gliders are not considered to be a Common Carrier. COVERED TRIP means travel on a Common Carrier, the fare for which is fully charged to your Account, or paid for either in full or partially by TD Points earned on your TD Travel Rewards Program. If your TD Points have only partially paid for your Common Carrier fare, the balance of that fare must be fully charged to your Account. DEPENDENT CHILD(REN) means those children residing with the Account Holder, under the age of twenty-one (21) and unmarried, who are primarily dependent upon the Account Holder for maintenance and support. Dependent Children also means children beyond the age of twenty-one (21) and unmarried, who are permanently, mentally and physically challenged and incapable of self-support. Also included in the definitionof Dependent Children are the Account Holder’s Dependent Children under the age of twenty-five (25) and unmarried, who are classified as full-time students at an institution of higher learning. IMMEDIATE FAMILY MEMBER means the Spouse, parents, grandparents, children age eighteen (18) and over, brother or sister of the Insured Person. INSURED PERSON means the Account Holder, as well as the Account Holder’s Spouse and Dependent Children whose name is on a ticket or a rental agreement. LOSS means the types of Accidental Bodily Injuries listed in Section 4 and for which this insurance provides coverage. PRIMARY CARDHOLDER means a person who applied for a TD Credit Card, whose name is on the Account and to whom a TD Credit Card has been issued. PERMANENT TOTAL DISABILITY means that the Accidental Bodily Injuries sustained in a covered accident solely and directly: 1) prevent the Insured Person from performing all the substantial and material duties of the Insured Person’s occupation; and 2) causes a condition which is medically determined, by a physician approved by Allianz, to be of continuous and indefinite duration; and 3) require the continuous care of a physician, unless the Insured Person has reached his/her maximum point of recovery; and 4) prevent the Insured Person from engaging in any gainful occupation for which the Insured Person is qualified, or could be qualified, by reason of education, training, experience, or skill. The Permanent Total Disability must have existed for twelve (12) consecutive months. (Note: Permanent Total Disability benefits are not available to Dependent Children.) 55 RENTAL CAR means a four-wheel private passenger motor vehicle designed for travel on public roads and rented from a licensed rental company for no more than forty-eight (48) consecutive days. It does not include trucks, trailers, campers, recreational vehicles or motor vehicles propelling or towing a trailer or any other object, off-road vehicles (meaning any vehicle used on roads that are not publicly maintained), vans, or mini vans that are manufactured to seat more than eight (8) occupants (including the driver) or when the vehicle is used to carry, haul or transport any type of cargo or property or passengers for hire. SPOUSE means either a person to whom the Account Holder is lawfully married, or the common-law spouse of an Account Holder. Common-law spouse shall mean a person (of the same or opposite sex) who has been living with the Account Holder continuously for at least one year and is publicly represented as the Account Holder’s partner. Section 2 – Common Carrier Accident Coverage Benefits will be paid as specified in the Schedule of Benefits below if an Insured Person suffers a Loss arising from and occurring on a Covered Trip while the Insured Person is: 1) riding as a passenger in or entering or exiting any Common Carrier; or 2) at the airport, terminal or station, at the beginning or end of the Covered Trip. If the purchase of the Common Carrier passage fare is not made prior to the Insured Person’s arrival at the airport, terminal or station, coverage begins at the time the entire Common Carrier passage fare is charged to the Insured Person’s Account. Coverage includes circumstances arising from and occurring on a Covered Trip while the Insured Person is riding as a passenger in, entering or exiting any Common Carrier, while travelling directly to or from the airport, terminal, or station; 1) immediately preceding the departure of the scheduled Common Carrier conveyance on which the Insured Person has purchased passage; and 2 immediately following the arrival of the scheduled Common Carrier conveyance on which the Insured Person was a passenger. Section 3 – Rental Car Accident Coverage Benefits will be paid as specified in the Schedule of Benefits below if an Insured Person suffers a Loss while operating or riding as a passenger in, or boarding or alighting from any Rental Car provided that: (a) the cost of the Rental Car was fully charged to your Account; or paid either in full or partially by TD Points earned under your TD Points program. If your TD Points have only partially paid for the cost of your Rental Car, the balance of that cost must be fully charged to your TD Credit Card; and (b there has been no violation of the rental agreement by the Account Holder; and (c) the driver of the rented automobile is not legally intoxicated nor under influence of any narcotic unless prescribed by a licensed physician. 56 The maximum benefit payable for any one Rental Car Accident is $2,000,000 in total. Section 4 – Schedule of Benefits and Important Conditions If an Insured Person has multiple Losses as the result of one accident, only the single largest benefit amount applicable to theLoss suffered is payable. The following benefits are provided if the Loss occurs as a result of an accident within one year from the date of the accident: A. Accidental Death or Dismemberment, Loss of Sight, Speech or Hearing and Paralysis Benefits Accidental Loss of Benefit Amount Life $500,000 Speech and Hearing $500,000 Both Hands or Both Feet or Sight of Both Eyes or a Combination of a Hand, a Foot or Sight of One Eye $500,000 One Arm or One Leg $375,000 One Hand or One Foot or Sight of One Eye $333,350 Speech or Hearing $333,350 Thumb and Index Finger of the same Hand $166,650 Paralysis Quadriplegia (complete paralysis of both upper and lower limbs) $500,000 Paraplegia (complete paralysis of both lower limbs) $500,000 Hemiplegia (complete paralysis of upper and lower limbs of one side of body) $500,000 “Loss” with reference to hand or foot means complete severance through or above the knuckle joint of at least four fingers of the same hand or three fingers and a thumb of the same hand or the ankle joint; with reference to arm or leg means complete severance through or above the elbow or knee joint; with reference to sight of an eye means the permanent loss of vision in one eye; and with reference to thumb and index finger means complete severance through or above the knuckle joints of the thumb and index finger. “Loss” with reference to speech means the permanent and irrecoverable loss of the capability of speech without the aid of mechanical devices; with reference to hearing means the permanent and irrecoverable loss of hearing in both ears. “Paralysis” means complete and irreversible loss of all motion of all practical use of an arm or leg provided the loss is continuous for twelve (12) consecutive months. B. Permanent Total Disability and Coma Benefits Loss Benefit Amount Permanent Total Disability $500,000 Coma $500,000 (i) Permanent Total Disability benefits are available only to you and your Spouse. Benefit amount (less any amount paid under Sections 4(A) and 57 (B) is payable if an Insured Person sustains Permanent Total Disability within three hundred and sixty-five (365) days after the date of the accident and the Permanent Total Disability continues for twelve (12) consecutive months. (ii) Coma benefits are available only to yourDependent Child(ren). An elimination period of thirty-one (31) days applies, which commences on the date the Dependent Child(ren) enter into a Coma. Coma benefits are not payable, nor do they accrue, during an elimination period. The Coma benefit amount is payable monthly at a rate of 1% of the benefit amount shown above until the earliest of: 1) the date the Dependent Child dies; 2) the date the Dependent Child is no longer in a Coma; or 3) total payments equal the Coma benefit amount shown above. If theDependent Child dies as a result of the accident during the period for which this Coma benefit is payable, we will pay a lump sum equal to theDependent Child’s loss of life benefit amount, lessComa benefit amounts already paid. C. Exposure and Disappearance (i) When by reason of an accident described in Section 2, the Insured Person is unavoidably exposed to the elements and as a result of such exposure suffers a Loss, the amount set out in the Schedule of Benefits shall be paid. (ii) If the Insured Person has not been found within one (1) year of the disappearance, stranding, sinking, wrecking or breakdown of a Common Carrier in which the Insured Person was covered as an occupant, it will be assumed that the Insured Person has suffered a loss of life. Section 5 – Special Benefits A. Family Transportation Benefit (i) When an Insured Person is confined as an in-patient in a hospital due to Accidental Bodily Injuries that result in a Loss, TD Life will pay for the expenses incurred to transport an Immediate Family Member of the Insured Person to the hospital. Such personal attendance must be recommended by an attending physician, and such transportation must be via Common Carrier on the most direct route available. (ii) When an Insured Person’s loss of life results in a loss of life benefit amount being payable, TD Life will pay for the expenses incurred by an Immediate Family Member of the Insured Person for transportation to the place where the Insured Person’s body is located for the purpose of identifying the Insured Person’s body. Such transportation must be via Common Carrier on the most direct route available. The maximum Family Transportation Benefit payable is $5,000 per Insured Person who is hospitalized as described above. B. Repatriation Benefit When Accidental Bodily Injuries result in a loss of life benefit amount being payable, and the loss of life occurs at least 100 kilometers from the Insured Person’s permanent city of residence, TD Life will pay for the cost of preparation and transportation of Insured Person’s body to such place of residence. The maximum Repatriation Benefit payable is $10,000 per loss of life.

58 C. Rehabilitation Benefit When Accidental Bodily Injury results in a Loss, an additional amount will be paid for covered Rehabilitation expenses. Covered expenses are the reasonable and necessary expenses actually incurred up to a maximum of $10,000 for treatment by a therapist or confinement in an institution of an Insured Person provided: (i) such treatment is required in order to retrain the Insured Person for work in any gainful occupation, including the Insured Person’s regular occupation; and (ii) expenses are incurred within two (2) years from the date of the accident. No payment will be made for ordinary living, travelling or clothing expenses. Section 6 – Payment of Benefits The loss of life benefit of anAccount Holder will be paid to the designated beneficiary. This choice must be in writing and filed with Allianz Global Assistance. All other benefit amounts for Losses suffered by theAccount Holder are paid to the Account Holder. The loss of life benefit of aSpouse or Dependent Child will be paid to the Account Holder, if living, otherwise to the designated beneficiary. This choice must be in writing and filed with Allianz Global Assistance. All other benefit amounts forLosses suffered by the Spouse or Dependent Child are paid to the Spouse or Dependent Child, except that any amount payable for Losses sustained by a minor will be paid to the minor’s legal guardian. If the Insured Person has not chosen a beneficiary, or if there is no beneficiary alive when the Insured Person dies, TD Life will pay the benefit amount to the Account Holder’s estate. Section 7 – Exclusions This Policy does not cover Loss caused by or resulting from any of the following a) Loss occurring while the employee is in, entering or exiting any aircraft while acting or training as a pilot or crew member. b) Loss resulting from suicide, attempted suicide or loss that is intentionally self-inflicted. c) Loss caused by or resulting from a declared or undeclared war, but war does not include acts of terrorism. d) Loss caused by bacterial infection except bacterial infection of an Accidental Bodily Injury, or if death results from the accidental ingestion of a substance contaminated by bacteria. Section 8 – Making a Claim Written Notice of Claim must be given to Allianz Global Assistance, P.O. Box 277, Waterloo, Ontario N2J 4A4 within thirty (30) days after the occurrence or commencement of any Loss covered by this Policy or as soon as reasonably possible. Notice must include enough information to identify the Insured Person and Account. Failure to give Notice of Claim within thirty (30) days will not invalidate or reduce any claim if notice is given as soon as reasonably possible.

59 Written Proof of Loss must be given to Allianz Global Assistance within ninety (90) days after the date of Loss, or as soon as reasonably possible. At the time of a claim, Allianz Global Assistance is available to assist you or your representative in obtaining and completing the necessary claim forms. Call 1-855-987-2895. Section 9 – Individual Termination of Insurance The insurance coverage of any Insured Person shall terminate on the earliest of the following: a) the date the Policy is terminated b) the expiration of the Policy term for which premium has been paid c) the date the Account Holder’s Account is cancelled or his or her Account privileges are terminated. Section 10 – General Conditions LEGAL ACTION LIMITATION PERIOD: Every action or proceeding against the insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of Alberta or British Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation. CONFORMANCE WITH STATUTES: Any terms of this Policy which are in conflict with the applicable statutes, laws or regulations of the province or territory in which this Policy is issued are amended to conform to such statutes. PHYSICAL EXAMINATION AND AUTOPSY: Allianz has the right to have the Insured Person examined by a physician approved by Allianz, as often as reasonably necessary while a claim is pending. Allianz may also have an autopsy done, unless prohibited by law. Any examinations or autopsies that we require will be done at Allianz’s expense and by a physician. MASTER POLICY: This Certificate is a description of coverage provided by Policy #TGV009 issued to The Toronto-Dominion Bank. All terms and conditions of the Policy govern. In no event does possession of multiple certificates or TD Credit Card Accounts entitle an Insured Person to benefits in excess of those described herein for any Loss sustained.

DELAYED AND LOST BAGGAGE INSURANCE Provided by: TD Home and Auto Insurance Company 320 Front Street West, 3rd Floor Toronto, ON M5V 3B6 The coverage Certificate below applies to the TD First Class TravelVisa Infinite Card which will be referred to as a “TD Credit Card” or “Card” throughout the Certificate: This Certificate contains a clause which may limit the amount payable. 60 Coverage Certificate The terms of the Delayed and Lost Baggage Group Policy #TDVB112008 (the Master Policy) issued by TD Home and Auto Insurance Company (Insurer) to The Toronto-Dominion Bank are described in this Certificate and are effective December 1, 2008. Words in italics in this Certificate are defined in Section 1. Section 1 – Definitions ACCOUNT(S) means Your TD Credit Card Account accessed using Your TD Credit Card. ACCOUNT HOLDER means the Primary Cardholder to whom the monthly Account statement is issued and who is a resident of Canada, and any Additional Cardholder who is a resident of Canada. The Account Holder may be referred herein as “You” or “Your”. ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has been issued at the authorization of the Primary Cardholder. ADMINISTRATOR means the service provider arranged by the Insurer to provide claims payment and administrative services under the Policy. BAGGAGE DELAY means a Covered Person’s Checked Baggage is delayed by more than six (6) hours from the Covered Person’s time of arrival at the Final Destination. CHECKED BAGGAGE means suitcases or other containers specifically designated for carrying personal belongings, for which a baggage claim check has been issued to the Covered Person by a Common Carrier. COMMON CARRIER means any land, air, or water conveyance which is licensed to carry passengers for compensation and which undertakes to carry all persons indifferently who may apply for passage, so long as there is room, and there is no legal excuse for refusal. COVERED PERSON means the Account Holder, Spouse or Dependent Children whose name is on the Ticket, or, if no name is on the Ticket, for whom a Ticket has been purchased. DEPENDENT CHILDREN means any natural child (legitimate or illegitimate), any legally adopted child, any step-child or any child dependent upon the Account Holder in a “parent-child” relationship for maintenance and support who is: (i.) under the age of twenty-one (21) years and unmarried, or (ii.) under the age of twenty-five (25) years, unmarried and in full time attendance at an institution of higher learning, or (iii.) by reason of mental or physical infirmity, incapable of self-sustaining employment and totally dependent upon the Account Holder for support within the terms of the Income Tax Act. ESSENTIAL ITEMS means essential clothing and toiletries that the Covered Person was carrying in the baggage, which the Covered Person must replace during the period of Baggage Delay. FINAL DESTINATION means the away-from-home ticketed destination for any particular day of travel, as shown on Your Ticket.

61 PRIMARY CARDHOLDER means a person who applied for a TD Credit Card, whose name is on the Account and to whom a TD Credit Card has been issued. SPOUSE means the person who is (i) lawfully married to the Account Holder or (ii) the person who has been living with the Account Holder for a continuous period of at least one year and who is publicly represented as the Account Holder’s Spouse. TICKET means evidence of the fare paid for travel on a Common Carrier and paid in full on or after December 1, 2008 (1) by charge to Your Account, (2) by redemption of TD Points earned under Your TD Travel Rewards Program or (3) by a combination of (1) and (2). Section 2 – Who is covered The Account Holder, the Account Holder’s Spouse, and the Account Holder’s Dependent Children whose name is on a Ticket, or if no name is on a Ticket, for whom the Ticket has been purchased. Section 3 – What are the Coverages A. Delayed Baggage In the event of Baggage Delay, You will be reimbursed for the cost to replace Essential Items provided those purchases are made before the baggage is returned to the Covered Person but in no event more than ninety-six (96) hours after arriving at the Final Destination. B. Lost Baggage In the event the Common Carrier never locates the Covered Person’s Checked Baggage, You will be reimbursed for the portion of the replacement cost of lost personal property that is not paid by the Common Carrier or other insurance. The total benefits payable in respect of sub-sections A and B are subject to a maximum of $1,000 per Covered Person per Trip. To activate coverage, use Your Card to pay for the Ticket in full. Coverage will be in force while baggage is in the custody of the Common Carrier. Section 4 – Termination of Coverage Coverage terminates on the earliest of the following: 1) When Your Account is closed; 2) When Your Account is ninety (90) or more days past due, but coverage is automatically reinstated when the Account is returned to good standing; 3) When the Policy is cancelled except that the Insurer will remain liable for the claim if the event giving rise to the claim occurred prior to the effective termination date and the claim is otherwise valid. Section 5 – Exclusion and Limitations No coverage is provided for: Losses occurring when the Checked Baggage is delayed on a Covered Person’s return home to their province or residence; expenses incurred more than ninety-six (96) hours after arriving at the Final Destination

62 shown on the Ticket; expenses incurred after the Checked Baggage is returned to the Covered Person; losses caused by or resulting from any criminal act by the Covered Person; baggage not checked; baggage held, seized, quarantined or destroyed by customs or government agency; money; securities; credit cards and other negotiable instruments; tickets and documents. Section 6 – Claims The Account Holder must furnish the Insurer with proof of claim. This shall include a signed loss report. (A) Initial Notification If You have incurred a claim covered under the Delayed/Lost Baggage Plan, You must give notice by contacting the Administrator within forty-five (45) days from the date of the occurrence of the delay. Call toll-free between 8:00 a.m. and 8:00 p.m. Eastern Time Monday to Friday: 1-800-667-8031 or (416) 977-0283 The Covered Person will be asked to provide or, if writing, should provide: • name, address, and telephone number; • Account number used to purchase the Ticket; • the date, time and place of the occurrence of the delay or loss; and • the amount of the claim. (B) Written Proof In the event of a claim covered under the Delayed/Lost Baggage Plan, a loss report will be mailed by the Administrator to the Covered Person. You should complete it in full and return it within ninety (90) days from the date of occurrence of the delay or loss. The loss report shall include but may not be limited to: • a copy of the Ticket; • a copy of the baggage claim ticket; • a copy of the Account charge receipt or TD Credit Card statement for the cost of the Ticket; • a copy of a statement from Your homeowner’s or tenant’s insurance carrier indicating the extent to which You have been reimbursed for any items permanently lost with Your baggage; • itemized receipts for actual expenses incurred for essential clothing and toiletries; • written statement from the Common Carrier confirming all of the following specifics: • date and time of delay or loss; • date and time that baggage was returned, or if not returned, a statement of the amount of liability accepted by the Common Carrier, if any; • reason or circumstances surrounding the delay or loss; and • any other information reasonably required by the Insurer.

63 Section 7 – General Conditions Legal Action Limitation Period Every action or proceeding against the insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of Alberta or British Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation. Other Insurance The coverage provided by the Insurer is issued strictly as excess coverage and does not apply as contributing insurance; it will reimburse the Account Holder only to the extent a permitted claim exceeds coverage and payment under Other Insurance, regardless of whether the Other Insurance contains provisions purporting to make its coverage non-contributory or excess. The Policy also provides coverage for the amount of the deductible of Other Insurance. Subrogation with Respect to Lost Baggage As a condition to the payment of any claim to an Account Holder under the Policy, the Account Holder and/or any Covered Person shall, upon request, transfer or assign to the Insurer all legal rights against all other parties for the loss. The Account Holder shall give the Insurer all such assistance as the Insurer may reasonably require to secure its rights and remedies, including the execution of all documents necessary to enable the Insurer to bring suit in the name of the Account Holder and/or Covered Person. Benefits Account Holder Only This protection shall inure ONLY to the benefit of theAccount Holder. No other person or entity shall have any right, remedy or claim, either legal or equitable to the benefits. False Claim If an Account Holder makes any claim knowing it to be false or fraudulent in any respect, such Account Holder shall no longer be entitled to the benefits of this protection nor to the payment of any claim made under the Policy. Policy This certificate is not a policy of insurance. In the event of any conflict between this description of coverage and the Policy, the terms and conditions of the Policy will govern. In no event does possession of multiple certificates or TD Credit Card Accounts entitle a Covered Person to benefits in excess of this stated herein for any one loss sustained.

64 EMERGENCY TRAVEL ASSISTANCE SERVICES Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only. Our Administrator: Allianz Global Assistance P.O. Box 277 Waterloo, Ontario N2J 4A4 The Coverage Certificate below applies to the TD First Class Travel Visa Infinite Card which will be referred to as a “TD Credit Card” throughout the Certificate: Important Note The following describes assistance services only, not insurance benefits. Any payments made by our Administrator will be charged to your TD Credit Card, subject to credit availability, unless you make other arrangements to reimburse our Administrator. Multilingual Assistance Coordinators are on call 24 hours a day. Our Administrator Assistance Coordinators are supported by a network of medical professionals including physicians experienced in emergency medical assistance. For Emergency Assistance 24 Hours A Day: In Canada and U.S.A. Call 1-866-374-1129 In Other Countries Call Collect (416) 977-4425 1 – Medical Assistance Services Medical Referrals If a medical emergency arises while travelling, you can contact our Administrator Emergency Assistance Centre and you will be referred to the nearest designated physician or medical facility. Medical Consultation and Monitoring Our Administrator’s network of medical professionals is available 24 hours a day, 365 days a year, to consult with your attending physician to ensure that your medical needs are being met. Our Administrator’s network of medical professionals is experienced in working with physicians outside of Canada to determine the adequacy of care being received and the need for further assistance. Medical Transportation When our Administrator, in consultation with its network of medical professionals and in conjunction with your attending physician, determine that transfer to another medical facility is necessary, our Administrator will coordinate all aspects of the transport to and from the hospital and airport, at the point of departure and arrival. Our Administrator Assistance Coordinators will arrange for qualified medical accompaniment, if necessary. Neither The Toronto-Dominion Bank, TD Life Insurance Company or any other 65 insurer, nor our Administrator is responsible for the availability, quality or results of any medical treatment you receive or fail to receive for any reason. 2 – Payment Assistance Our Administrator can assist you in arranging or coordinating payment (over $200) to emergency medical or hospital service providers. Full liability for payment of these services will, however, rest with you. 3 – Travel Assistance Services Legal Assistance Our Administrator can assist you to post bail and pay legal fees, if necessary. Emergency Cash Transfer In the event of theft, loss or emergency, our Administrator can assist you to obtain cash which will be charged to your TD Credit Card. Lost Document and Ticket Replacement In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD First Class Travel Visa Infinite Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services.

AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE Provided by: TD Home and Auto Insurance Company TD Life Insurance Company 320 Front Street West, 3rd Floor Toronto, ON M5V 3B6 The coverage Certificate below applies to the TD First Class Travel Visa Infinite Card which will be referred to as a “TD Credit Card” throughout the Certificate. This Certificate contains a clause which may limit the amount payable. 66 Please note that in Alberta and British Columbia, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Policy. Coverage Certificate Please read this Certificate carefully. It outlines what Collision/ Loss Damage Insurance is and what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This certificate should be kept in a safe place and carried with You when You travel. Effective September 1, 2010 TD Home and Auto Insurance Company (referred to in this Certificate as the “Company”) provides the insurance for this certificate under Policy TDV092010 (referred to in thisC ertificate as the “Policy”). This Certificate is not a contract of insurance. It contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be cancelled, changed or modified at the option of the card issuer or the Company with at least 30 days written notice to the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means the account which TD maintains for the TD Credit Card. ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has been issued at the authorization of the Primary Cardholder. ADMINISTRATOR means the service provider arranged by the Company to provide claims payment and administrative services under the Policy. CAR SHARING means a car rental club which gives its members 24 hour access to a fleet of cars parked in a convenient location. CARDHOLDER means the Primary Cardholder and any Additional Cardholder in accordance with the Cardholder Agreement. INSURED PERSON means (1) You the Cardholder, who presents himself (herself) in person at the Rental Agency, signs the rental contract, declines the Rental Agency’s CDW or its equivalent and takes possession of the rental vehicle and who complies with the terms of this Policy. (2) Any other person who drives the same rental vehicle with Your permission whether or not such person has been listed on the rental vehicle contract or has been identified to theRental Agency at the time of making the rental, however, You and all drivers must otherwise qualify under and follow the terms of the rental contract and must be legally licensed and permitted to drive the rental vehicle under the laws of the jurisdiction in which the rental vehicle shall be used. Important: Check with Your personal automobile insurer and the Rental Agency to ensure that You and all other drivers have adequate third party liability, personal injury and damage to property coverage. This policy only covers loss or damage to the rental vehicle as stipulated herein. 67 LOSS OF USE means the amount paid to a Rental Agency to compensate it when a rental vehicle is unavailable for rental while undergoing repairs for damage incurred during the rental period. PRIMARY CARDHOLDER means a person who has applied for a TD Credit Card, whose name is on the Account and to whom a TD Credit Card has been issued. RENTAL AGENCY means an auto Rental Agency licensed to rent vehicles and which provides a rental agreement. For greater certainty, throughout this certificate of insurance the terms ‘rental company’ and ‘rental agency’ refer to both traditional auto rental agencies and Car Sharing Programs. RENTAL AGENCY’S CDW means an optional Collision Damage Waiver (CDW) or similar coverage offered by car rental companies that relieves renters of financial responsibility if the car is damaged or stolen while under rental contract. Rental Agency’s CDW is not insurance. TAX-FREE CAR means a tax-free car package that provides tourists with a short-term (17 days to 6 months), tax-free vehicle lease agreement with a guaranteed buyback. The Collision/Loss Damage Insurance program will not provide coverage for Tax-free cars. YOU/YOUR means a TD Credit Cardholder whose name is embossed on the TD Credit Card or who is authorized to use the TD Credit Card in accordance with the Cardholder Agreement. A. Collision/Loss Damage Insurance at a Glance • Only the Cardholder may rent a vehicle and decline the Rental Agency’s collision damage waiver (CDW) or an equivalent coverage offering. This coverage applies only to the Insured Person’s personal and business use of the rental vehicle. • Your TD Credit Card must be in good standing. • You must initiate and complete the entire rental transaction with the same TD Credit Card. • The full cost of the rental must be charged to Your TD Credit Card to activate coverage. • Coverage is limited to one rental vehicle at a time, i.e. if during the same period there is more than one vehicle rented by the Cardholder, only the first rental will be eligible for these benefits. • The length of time You rent the same vehicle or vehicles must not exceed forty-eight (48) consecutive days, which follow one immediately after the other. In order to break the consecutive day cycle, a full calendar day must exist between rental periods. If the rental period exceeds forty-eight (48) consecutive days, coverage will not be provided from the first day onwards, i.e. coverage will not be provided for either the first 48 consecutive days or any subsequent days. Coverage may not be extended for more than forty-eight (48) days by renewing or taking out a new rental agreement with the same or another Rental Agency for the same vehicle or another vehicle. • Coverage is limited to loss/damage to, or theft of a rental vehicle only up to the rental vehicle’s actual cash value plus valid Loss of Use charges. 68 • The Cardholder must decline on the rental contract the CDW option or its equivalent offered by the Rental Agency. (The Collision/Loss Damage Insurance coverage does not pay for the premium charged by the Rental Agency for the CDW offered by the Rental Agency.) • Most vehicles are covered by the Policy. (A list of vehicles excluded from this coverage is outlined in the section “Types of Vehicles Covered”.) • The Collision/Loss Damage Insurance Program will provide coverage to Cardholders when the full cost of each rental of a vehicle (per use and mileage charges) is paid for using Your TD Credit Card and the Car Sharing Program’s Collision/Loss Damage Insurance is declined. • Coverage is available except where prohibited by law. • Claims must be reported within forty-eight (48) hours of the damage/loss occurring by calling 1-800-880-6497 (when in Canada or the United States) or, call collect (416) 977-3772. PLEASE READ THE FOLLOWING COVERAGE DESCRIPTION CAREFULLY FOR MORE DETAILED INFORMATION ON CONDITIONS AND EXCLUSIONS. Collision/Loss Damage (CLD) Insurance provides coverage when You use Your TD Credit Card to pay for a rental vehicle and decline the CDW (or an equivalent coverage) offered by the Rental Agency. There is no additional charge for the CLD Insurance. The coverage compensates You or a Rental Agency for loss/damages up to the actual cash value of the rented vehicle and valid Rental Agency Loss of Use charges when the conditions described below are met. B. Collision/Loss Damage Covers CLD Insurance is primary insurance (except for losses that may be waived or assumed by the Rental Agency or their insurer, and in such circumstances where local government insurance legislation states otherwise) which pays the amount for which You are liable to the Rental Agency up to the actual cash value of the damaged or stolen rental vehicle as well as valid Loss of Use charges resulting from damage or theft occurring while You are the renter of the rental vehicle. The length of time You rent the same vehicle or vehicles must not exceed forty-eight (48) consecutive days. If You rent the same vehicle or vehicles for more than forty-eight (48) consecutive days, no coverage is provided for any part of your rental period. This coverage does NOT include loss arising directly or indirectly from: 1. a replacement vehicle for which Your personal automobile insurance is covering all or part of the cost of the rental; 2. third party liability; 3. personal injury or damage to property, except the rental vehicle itself or its equipment; 4. the operation of the rental vehicle at any time during which any Insured Person is driving while intoxicated or under the influence of any narcotic;

69 5. any dishonest, fraudulent or criminal act committed by any Insured Person; 6. wear and tear, gradual deterioration, or mechanical or electrical breakdown or failure, inherent vice or damage, insects or vermin; 7. operation of the rental vehicle in violation of the terms of the rental agreement except: (a) Insured Persons as defined, may operate the rental vehicle; (b) the rental vehicle may be driven on publicly maintained gravel roads; (c) the rental vehicle may be driven across provincial and state boundaries in Canada and the U.S. and between Canada and the U.S. N.B. It must be noted that loss/damage arising while the vehicle is being operated under (a), (b) or (c) above is covered by this insurance. However, the Rental Agency’s third party insurance will not be in force and, as such, You must ensure that You are adequately insured privately for third party liability. 8. seizure or destruction under a quarantine or customs regulations or confiscated by order of any government or public authority; 9. transportation of contraband or illegal trade; 10. war, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combatting or defending against such action; 11. transportation of property or passengers for hire; 12. nuclear reaction, nuclear radiation, or radioactive contamination; 13. intentional damage to the rental vehicle by an Insured Person. C. Who is Eligible for Coverage? Insured Persons as defined provided that: 1. Your Card Account privileges have not been terminated or suspended, and/or 2. Your Card Account is not more than ninety (90) days past due. D. Coverage Activation For coverage to be in effect, You must: 1. Use Your TD Credit Card to pay for the entire rental from a Rental Agency. 2. Decline the Rental Agency’s CDW option or similar coverage offered by the Rental Agency on the rental contract. If there is no space on the vehicle rental contract for You to indicate that You have declined the coverage, then indicate in writing on the contract “I decline CDW provided by this merchant”. • Rental vehicles which are part of prepaid travel packages are also covered if the total package was paid by Your TD Credit Card. • You are covered if You receive a “free rental” as a result of a promotion where You have had to make previous vehicle

70 rentals and if each such previous rental was entirely paid for with Your TD Credit Card. • You are covered if You receive a “free rental” day(s) as a result of TD Travel Rewards Program (or similar TD Credit Card program) for the number of days of free rental. If the free rental day(s) are combined with rental days for which You pay the negotiated rate, this entire balance must be paid by Your TD Credit Card. • You are covered if points earned under Your TD Travel Rewards Program are used to pay for the rental. However, if only a partial payment is paid using the TD Travel Rewards Program, the entire balance of that rental must be paid using Your TD Credit Card in order to be covered. E. Coverage Termination There is NO Coverage when: 1. The Rental Agency reassumes control of the rental vehicle. 2. This Policy is cancelled. 3. Your rental period is more than forty-eight (48) consecutive days, or Your rental period is extended for more than forty-eight (48) consecutive days by renewing or taking out a new rental agreement with the same or another Rental Agency for the same vehicle or other vehicles. 4. Your TD Credit Card is cancelled or card privileges are otherwise terminated. F. Where Coverage is Available This coverage is available on a 24-hour basis unless precluded by law or the coverage is in violation of the terms of the rental contract in the jurisdiction in which it was formed (other than under Section B, Part 7 (a) (b) or (c) above). (See the section on “Helpful Hints” for tips on locations where use of this coverage may be challenged and what to do when a Rental Agency makes the rental or return of a vehicle difficult.) G. Types of Vehicles Covered The types of rental vehicles covered include: All cars, sport utility vehicles, and Mini-Vans (defined as vans made by an automobile manufacturer and classified by the manufacturer or a government authority as Mini-Vans made to transport a maximum of eight (8) people including the driver and which are used exclusively for the transportation of passengers and their luggage) except those excluded below. The following vehicles are NOT covered: 1. vans, cargo vans or mini cargo vans (other than Mini-Vans as described above); 2. trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck; 3. limousines ; 4. off-road vehicles – meaning any vehicle used on roads that are not

71 publicly maintained roads unless used to ingress and egress private property; 5. motorcycles, mopeds or motor bikes; 6. trailers, campers, recreational vehicles or vehicles not licensed for road use; 7. vehicles towing or propelling trailers or any other object; 8. mini- buses or buses; 9. any vehicle with a Manufacturer’s Suggested Retail Price (MSRP) excluding all taxes, over sixty-five thousand dollars ($65,000) Canadian, at the time and place of loss. 10. exotic vehicles, meaning vehicles such as Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce; 11. any vehicle which is either wholly or in part hand made, hand finished or has a limited production of under 2,500 vehicles per year; 12. antique vehicles, meaning a vehicle over twenty (20) years old or which has not been manufactured for ten (10) years or more. 13. Tax-free cars. Luxury vehicles such as BMW, Cadillac, Lincoln and Mercedes Benz are covered as long as they meet the above requirements. IN THE EVENT OF AN ACCIDENT/THEFT • Within forty-eight (48) hours, call the Administrator toll-free 1-800-880-6497 if You are in Canada or the United States or call collect (416) 977-3772. The Administrator’s representative will answer Your questions and send You a claim form. • Decide with the rental agent which one of You will make the claim. • If the rental agent decides to settle the claim directly, complete the accident report claim form and assign the right for the Rental Agency to make the claim on Your behalf on the claim form or other authorized forms. It is important to note that You remain responsible for the damage/loss and that You may be contacted in the future to answer inquiries resulting from the claims process. The rental agent may fax the required documentation toll-free if they are in Canada or the United States to 1-877-661-3566. When elsewhere the fax number is (519) 742-9471. Original documentation may also be required in some instances. (If You have any questions, are having any difficulties, or would like the claims Administrator to be involved immediately, call the number provided above). • If You will be making the claim, You must call the claims Administrator within forty-eight (48) hours of the damage/theft having occurred. Your claim must be submitted with as much documentation, requested below, as possible within forty-five (45) days of discovering the loss/damage. You will need to provide all documentation within ninety (90) days of the date of damage or theft to the claims Administrator.

72 • The following claim documentation is required: – the claim form, completed and signed – Your sales draft showing that the rental was paid in full with the TD Credit Card – the original copy of the vehicle rental agreement – accident or damage report, if available – the itemized repair bill, or if not available, a copy of the estimate – receipt for paid repairs – police report, when available – copy of Your billing or pre-billing statement if any repair charges were billed to Your account Under normal circumstances, the claim will be paid within fifteen (15) days after the claims Administrator has received all necessary documentation. If the claim cannot be assessed on the basis of the information that has been provided, it will be closed. After the Company has paid Your claim, Your rights and recoveries will be transferred to the Company to the extent of the Company’s payment for the loss/damage incurred when the rental vehicle was Your responsibility. This means the Company will then be entitled, at its own expense, to sue in Your name. If the Company chooses to sue another party in Your name, You must give the Company all the assistance the Company may reasonably require to secure its rights and remedies. This may include providing Your signature on all necessary documents that enable the Company to sue in Your name. Once You report damage, loss or theft, a claim file will be opened and will remain open for six (6) months from the date of the damage or theft. Payment will only be made on a claim or any part of a claim that is completely substantiated as required by the claims Administrator within six (6) months of the date of loss/damage. You should use due diligence and do all things necessary to avoid or reduce any loss or damage to property protected by this Collision/Loss Damage Insurance. If You make a claim knowing it to be false or fraudulent in any respect, You will not be entitled to the benefits of this protection, nor to the payment of any claim made under this Policy. H. LEGAL ACTION LIMITATION PERIOD Every action or proceeding against the insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of Alberta or British Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation. Helpful Hints Before You rent a vehicle, find out ifYou are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental 73 Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 1-800-880-6497 if You are in Canada or the United States or, call collect (416) 977-3772 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use charges or, a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/Theft”.

PURCHASE SECURITY AND EXTENDED WARRANTY PROTECTION Provided by: TD Home and Auto Insurance Company 320 Front Street West, 3rd Floor Toronto, ON M5V 3B6 The coverage Certificate below applies to the TD First Class Travel Visa Infinite Card which will be referred to as a “TD Credit Card” throughout the Certificate: This Certificate contains a clause which may limit the amount payable. 74 Coverage Certificate The terms of the TD Credit Card Purchase Security and Extended Warranty Protection Group Policy #TDVP112008 (the Master Policy) issued by TD Home and Auto Insurance Company (Insurer) to The Toronto-Dominion Bank are described in this Certificate and are effective December 1, 2008. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy. Words in italics in this Certificate are defined in Section 1. Section 1 – Definitions ACCOUNT(S) means Your TD Credit Card Account accessed using Your TD Credit Card or TD Visa Cheque. ACCOUNT HOLDER means the Primary Cardholder to whom the monthly Account statement is issued and who is a resident of Canada, and any Additional Cardholder who is a resident of Canada. The Account Holder may be referred herein as “You” or “Your”. ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has been issued at the authorization of the Primary Cardholder. ADMINISTRATOR means the service provider arranged by the Insurer to provide claims payment and administrative services under the Policy. INSURED ITEM means a new item of personal property (a pair or set being one item) for personal use for which the full Purchase Price has been charged to the Account of the Account Holder. MANUFACTURER’S WARRANTY means an express written warranty issued by or on behalf of the manufacturer of the Insured Item at the point of sale at the time of purchase of an Insured Item. The Manufacturer’s Warranty must be valid in Canada. PRIMARY CARDHOLDER means a person who applied for a TD Credit Card, whose name is on the Account and to whom a TD Credit Card has been issued. PURCHASE PRICE means the actual cost to the Account Holder of the Insured Item, including any applicable sales tax. SPOUSE means: i) a person to whom the Account Holder is lawfully married; or ii) the designated partner where such partner has been domiciled with the Account Holder for at least one year and is publicly represented as the Account Holder’s Spouse. Section 2 – What are the Insurance Benefits (a) Purchase Security The Purchase Security Plan automatically protects most Insured Items purchased with the TD Credit Card for ninety (90) days from purchase for all risk of direct physical loss or damage, except as herein provided, anywhere in the world, in excess of other applicable insurance. If the item is lost, stolen or damaged, it will be replaced or repaired, or the Account Holder will be reimbursed for the Purchase Price.

75 This protection is provided at no additional cost and is in effect for purchases made on or after December 1, 2008. (b) Extended Warranty Protection (i) The Extended Warranty Protection Plan automatically provides extended warranty coverage for Insured Items such coverage to commence immediately following the expiry of the applicable Manufacturer’s Warranty for a period equal to the period of the Manufacturer’s Warranty coverage or one year, whichever is the lesser on most items purchased with the TD Credit Card as long as there is a Manufacturer’s Warranty valid in Canada (automatic coverage is limited to warranties five years or less.)Manufacturer’s Warranties greater than five years are covered if registered with the Administrator within the first year after purchase of the item. (ii) To register an Insured Item with a warranty greater than five (5) years for Extended Warranty Protection, the Account Holder must contact the Administrator and provide: • a copy of the sales receipt; • Credit Card record of charge or Credit Card statement; • serial number of the item, if available; • original Manufacturer’s Warranty valid in Canada; and • description of the product. This protection is provided at no additional cost and is in effect for purchases made on or after December 1, 2008. Section 3 – Policy Limits There is a maximum aggregate lifetime benefit perAccount Holder of $60,000 for all TD Credit Cards of the Account Holder. The Account Holder will be entitled to receive no more than the full Purchase Price of the Insured Item as recorded on the Account receipt or Account statement. Claims for items belonging to a pair or set will be paid for at the Purchase Price of the pair or set provided the parts of the pair or set are unusable individually and cannot be replaced individually. The Administrator, at its sole option, may elect to: (a) Repair, rebuild or replace the item lost or damaged (whether wholly or in part), upon notifying the Account Holder of its intention to do so within forty-five (45) days following receipt of the required Loss Report; or (b) Pay cash for said item, not exceeding the full Purchase Price thereof paid using the Account and subject to the exclusions, terms and limits of liability as stated in this Certificate. Section 4 – Exclusions Any loss or damage of any aspect of any product, device, or equipment to function properly as caused by any change in date will be excluded. This exclusion applies to Purchase Security and to Extended Warranty Protection. Purchase Security (a) Coverage is not extended to loss or damage to the following: (i) cash or its equivalent, traveller’s cheques, tickets and any negotiable instruments;

76 (ii) art objects, bullion, rare or precious coins; (iii) perishables, animals or living plants; (iv) jewellery and watches in baggage unless carried by hand and under the personal supervision of the Account Holder or Account Holder’s travelling companion previously known to the Account Holder; (v) automobiles, motorboats, aircrafts, drones, motorcycles, motor scooters and other motorized vehicles, parts and accessories thereof; (vi) ancillary costs incurred in respect of an Insured Item and not forming part of the Purchase Price; (vii) parts and/or labour required as a result of mechanical breakdown; (viii) used and pre-owned items including antiques and demos; (ix) any item purchased by and/or used for a business or commercial purpose; (x) items consumed in use; and (xi) services. (b) Loss or damage resulting from the following perils are excluded from coverage: (i) abuse or fraud; (ii) flood or earthquake; (iii) war, invasion, hostilities, rebellion, insurrection, terrorism, confiscation by authorities, contraband or illegal activity; (iv) normal wear and tear; (v) mysterious disappearance (used herein to mean disappearance in an unexplained manner marked by an absence of evidence of the wrongful act of another); (vi) radioactive contamination; (vii) inherent product defects; (viii) normal course of play; or (ix) willful acts or omissions; and (x) indirect, incidental or consequential damages, including bodily injury, property damage, economic loss, punitive or exemplary damages and legal costs are not covered. Extended Warranty Protection In addition to any exclusions which may be set out in the Manufacturer’s Warranty, this certificate does not cover: (i) wear and tear, gradual reduction in operating performance, negligence, misuse and abuse; (ii) automobiles, motor boats, aircrafts, drones, motorcycles, motor scooters and other motorized vehicles and parts and accessories thereof; (iii) willful acts or omissions and improper installation or alteration; (iv) ancillary costs; (v) used or pre-owned items including demos;

77 (vi) any item purchased by and/or used for a business or commercial purpose; and (vii) consequential damages, including bodily injury, property damages, economic loss, punitive or exemplary damages and legal costs are not covered; (viii) inherent product defects. Section 5 – Claims The Account Holder must furnish the Administrator with proof of loss. This shall include a signed Loss Report. (a) Initial Notification If You have incurred a loss covered under the Purchase Security or Extended Warranty Protection Plans, You must give notice by contacting the Administrator within forty-five (45) days from the date of loss or damage. Call toll-free between 8:00 a.m. and 8:00 p.m. Eastern Time Monday to Friday: 1-800-667-8031 or (416) 977-0283 The Account Holder will be asked to provide or, if writing, should provide: • name, address and telephone number • Account number used to purchase the Insured Item • description of the Insured Item and • date, place, amount and cause of the loss or damage. (b) Written Proof (i) Purchase Security In the event of a claim covered under the Purchase Security Plan, a Loss Report will be mailed by the Administrator. Complete in full and return within ninety (90) days from the date of loss or damage. The Loss Report shall include but may not be limited to: • copy of the Account charge receipt and/or Account statement • a copy of the store receipt • serial number of the Insured Item (where applicable) and • any other information reasonably required by the Administrator such as a police or insurance claim report. (ii) Extended Warranty Protection You must report the claim information as detailed above prior to proceeding with the repair or replacement. The Administrator will: 1. Authorize the repair, if appropriate; and 2. Ask the Account Holder to: • return the Insured Item to the manufacturer’s service dealer as specified on the Manufacturer’s Warranty; • have the authorized dealer contact the Insurer; and if repairable • pay for the repair and submit: – a copy of the Account charge receipt and/or Account statement;

78 – a copy of the paid repair invoice; – a copy of the store receipt; – serial number of the Insured Item; and – a copy of the Manufacturer’s Warranty. In the event that the damaged Insured Item is not repairable, submit all applicable information to the Administrator as outlined above. The Administrator may require the Account Holder, at the Account Holder’s expense, to send the damaged Insured Item to an address designated by the Administrator. If the claim is made in respect of an Insured Item which is a gift, the claim may be made by the Account Holder or the recipient of the gift subject to compliance with the terms and conditions of the Certificate. Section 6 – Termination of Insurance This coverage terminates on the earliest of the following: a) When Your Account is closed; b) When Your Account is ninety (90) or more days past due but coverage is automatically reinstated when the Account is returned to good standing; and c) When the Master Policy is cancelled except that the Insurer will remain liable for the claim if the event giving rise to the claim occurred prior to the effective termination date and the claim is otherwise valid. Section 7 – General Conditions OTHER INSURANCE. The Purchase Security coverage is in excess of the Account Holder’s other applicable valid and collectible insurance or indemnity. The Insurer will be liable only for the excess of the amount of the loss or damage over the amount covered under other insurance or indemnity and for the amount of any applicable deductible, only if all other insurance has been exhausted and subject to the exclusions, terms and limits of liability of the Master Policy. This coverage will not apply as contributing insurance and this “non-contribution” shall control despite any “non-contribution” provision in other insurance or indemnity policies or contracts. SUBROGATION. Following the Insurer’s payment of an Account Holder’s claim or loss or damage the Insurer shall be subrogated to the extent of the cost of such payment, to all rights and remedies of the Account Holder against any party in respect of such loss or damage, and shall be entitled at its own expense to sue in the name of the Account Holder. The Account Holder shall give the Insurer all such assistance as the Insurer may reasonably require to secure its rights and remedies, including the execution of all documents necessary to enable the Insurer to bring suit in the name of the Account Holder. BENEFITS ACCOUNT HOLDER ONLY. This protection provided by the Purchase Security and Extended Warranty Protection Plans shall inure to the benefit of theAccount Holder. No other person or entity shall have any right, remedy or claim, legal or equitable, to the benefits. DUE DILIGENCE. The Account Holder shall use due diligence and do all things reasonable to avoid or diminish any loss of or damage to property

79 protected by the Master Policy. Where damage or loss is due to a malicious act, burglary, robbery, theft or attempt thereat, or is suspected to be so due, the Account Holder shall give immediate notice to the police or other authorities having jurisdiction. The Insurer will require evidence of such notice with the Loss Report prior to settlement of a claim. FALSE CLAIM. If an Account Holder makes any claim knowing it to be false or fraudulent in any respect, such Account Holder shall no longer be entitled to the benefits of this protection or to the payment of any claim made under the Master Policy. LEGAL ACTION LIMITATION PERIOD. Every action or proceeding against the insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of Alberta or British Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation. MASTER POLICY. This certificate is not a Policy of Insurance. In the event of any conflict between this description of coverage and the Master Policy, the terms and conditions of the Master Policy will govern. In no event does possession of multiple certificates or TD Credit CardAccounts entitle an Insured Person to benefits in excess of those stated herein for any one loss sustained.

All trademarks are the property of their respective owners. * Trademark of Visa International Service Association and used under license. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

528190(0720) 50320511

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Home  /  Canadian Credit Cards  /  TD Travel Credit Cards in Hong-kong  / TD Firstly Classic Travel® Indian Infinite* Card

TD Travel Account Gift in Canadian

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TD First Class Travel® Visa Infinite* Cards

• Annual Fee $139
• Interest: Purchases 20.99%
• Interest: Cash Advantages 22.99%
• Additional Cardholder 2 $50

$50  for that first More Cardholder; $0  for subsequent Additional Cardholders.

• $60,000 personal or $100,000 household annual income.
• You are a Canadian resident plus are of the age away majority in your province/territory of residence

Limited Time Offer

Earns up to  $1,100  includes value 18  including up to 135,000 TD Award Points, nope Annual Fee for the first year 1  and additional travel benefits. General Apply. Account must shall approved due March 4, 2024.

• Earn a welcome Perk of 20,000 TD Rewards Points while you make your first Purchase with your Card 1 .
• Earn 115,000 TD Prizes Points when you spent $5,000 within 180 days of User opening 1 .
• Earn ampere Birthday Bonus of move to 10,000 TD Compensation Points 22 .
• Get an annual TD Travel Credit 23  of $100 when you read among Expedia ®  For TD.
• Get a free 12 month X Uber One your (that's $120 in value 18 ). 
• Get an Annual User Discount forward the first year 1 .  

To receive the first-year annual fee rebate available the Primary Cardholder, you must activate respective Card and make your first Order on the Account within the first 3 months following Account opening. To receive the first Additional Cardholder first-year annualized fee rebate, you must add your first Supplement Cardholder by Walking 5, 2024.

At a glance

Earn TD Reward Score on all the things you normally do, whether you use your Card for groceries, dining, paying bills or booking travel. The rewards will add go rapidly so you ability enhance your journey experience or enjoy a far diversity of rewards.

Your Joker also allows yours to enjoy:

• On annual TD Getting Credit  23  of $100 when you book at Expedia ®  For TD.
• TD Rewards Anniversary bonus 22  that helps you celebrate in style.
• An extensive suite of travel insurance coverages which helps you trips prepared.
• No travel blackouts 5 , nope seat restrictions 5  and none expiry 25  for your TD Rewards Points as long as your account is opening and included good standing.
• Redeem your TD Remuneration Points towards making purchases at Amazon.ca with Amazonians Shop with Points. Conditions apply.  See more details .

Chosen best Visa credit card for agile travel rewards by MoneySense in 2023 #1 .

Every Purchase Counts

How 8 td rewards points 19.

in every $1 you spend when you book travel due Expedia® For TD 6

Earn 6 TD Rewards Points

with every $1 you spend on Groceries and Restaurants 20

Earn 4 TD Rewards Items

for every $1 thee spend on routine recurring bill payments pick skyward on your Account 20

Einnahmen 2 TD Compensation Points

for every $1 you spend on other Purchases made using your Card 21  plus earn einem annual  Birthday Bonus 22  of up to 10,000 TD Rewards Points

Recurring Bill Payments, Groceries and Restaurants (Yearly spend cap of $25,000 each)

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

Credit Card Reward Perquisite

Exercise TD Reward Points at Expedia For TD

Redeem your TD Rewards Points for your next trip at ExpediaForTD.com or get access to exklusives bargains. Conditions apply.

Earn more under Starbucks

Bond to eligible Card in einfahren 50% more TD Rewards Points and Stars. Redeem points for even more Stars. Conditions apply.

Use TD Rewards Points the Amazon.ca

Redeem choose TD Rewards Points regarding purchases at Amazon.ca with Amazon Shop with Score. Conditions apply.

Save $120 in total with Uber One

Geting a get Uber One membership for 12 months in your TD First Class Travel® Visa Infinite* Card. Conditional apply.  Proffer ends May 23, 2024.

Redeem your TD Rewards Points how you want, for what you want 

Every purchase you make with your TD Rewards Credit Card worth you TD Rewards Points. With an flexibility to choose how to redeem your TD Rewards Scored available one rewards you want, her can usage autochthonous points on everyday benefits, eGift cards, education credits, cash credits or travel. Learn more .

More Card Benefits and Features

Td rewards program benefits.

TD First Class Travel Credit Board helps you earn big although you do all the things they ordinary do. And from you never slow down, the wages cans add up quickly. This lets you redemption for wherewith and what you want with the flexural on treat yourself with a wide variety of rewards options. This document contained important and advantageous information about your embedded International Uses and Achievement for your. TD Beginning Class Visa ...

• Go Places upon Points Our Points were worth more for you redeem the Expedia® For TD:  Search over a billions flights, hotels, packaging also more! When you’re ready to book, you cannot redeem 3  your TD Rewards Points towards your vacation purchase right from. Or Book Any Way 3 :  You can also start to book your trip through any other travel agency or website. This gives you the flexibility to benefit your TD Award Points towards choose organizational of travel expenses – including excursions and taxes – within 90 days away your procure.
• Shop online through TDRewards.com Redeem your TD Awards Points used great deals on a width selection to merchandise and gift cards.
• Financial Rewards Repay With Rewards:  Redeem TD Incentives Points to help pay downhearted your credits card balance.

Travel Added

Explore the travel benefits and insurance coverages included with your Card:

• $100 TD Travel Credit 23 Each year, you will receive one  $100.00  TD Travel Credit on autochthonous initially Eligible Travel Borrow Purchase of $500.00 or more manufactured with Expedia For TD or posted to the Account in a calendar year.
• Travelling Medical Policy 7 Up at $2 million of width required the first 21 days. For she or your spouse is aged 65 or older, you are covered for the first 4 per in owner pick. Supplemental top-up coverage is available.
• Flight/Trip Delay Insurance 8 Up to $500 in coverage per insured person if your flight/trip be delayed for over 4 hours.
• Journey Cancellation/Trip Interruption Insurance 9 For Trip Rescission, move until $1,500 of coverage per insured persona, with one maximum of $5,000 for all insured persons, and for Trip Disruption, up to $5,000 of coverage per insured character, with a maximum of $25,000 for all insured persons on the alike covered getting.
• Common Carrier Travel Accident Insurance 10 Up to $500,000 of covering for covered losses while travelling the a common carrier (for example, an bus, ferry, planes, train, or auto rental)
• Emergency Travel Assistance Services 11 Help is just a call away. Toll-free access to helps at the event of a personal emergency although traveler.
• Delayed and Lost Baggage Insurance 8 Up to $1,000 overall coverage per insurance person toward this purchase of essentials such as clothes and toiletries if your baggage will delayed more than 6 clock other lost.
• Auto Rental Collision/Loss Damage Insurance 12 Coverage up to 48 consecutive time
• Verify your TD financial card travel insurance benefits Learn about get travel insurance benefits are available on your TD credit poster with our  Credit Card Traveller Insurance Verification Apparatus .
• Hotel/Motel Burglary Insurance 24 Up to $2,500 of coverage pro occasion for eligible personal items theft from your hotel or motor guest that own to each Cardholder on the Account and eligible family personnel journey using the Cardholder.

Watch the  Help Coverages Guide  for more details.

Additional Benefits & Features

• Earn big rewards with the little bits. Earn 50% more TD Rewards Points and 50% more Stars at participating Starbucks shops. You can also tilt Points into dawn espresso until redeemable your TD Bonus Points for Kismet at Starbucks. Simply connecting your TD First Class Travel Visa Joker in your Starbucks® Rewards account. Conditions apply.  Learn more .
• TD Zahlung Plans Easily turn purchases from $100 or more into manageable 6, 12 or 18 month Payment Schedules. Conditions apply.  Learn more .
• Save with Avis Rent ADENINE Vehicle press Budget Rent ONE Car Use your Canadian TD Credit Map to storing a minimum of 10% off the lowest ready bottom estimates 13 , 14  in Canada and the U.S., and an minimum of 5% off the lowest available base rates 13 , 14  internationally, on qualifying car rentals at participating Avis plus Budget locations.
• Use Cider Pay , Google Pay or Samsung Payment every contactless payments are acceptance -  These Digital Pouches are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and comfortable to usage for everyday business wages with just a tap of your device.

Visa Infinite Uses

• Complimentary Visa Infinite Concierge 26 : On-call 24 period a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder demand — big otherwise small, to help you get the most out of life whenever you travel, shop and used your Card. Summon toll-free from Ontario also the U.S.: 1-888-853-4458 From outer Ontario and who U.S.: 1-630-350-4545
• Visa Infinite Luxury Hotel Collection 27 : Receive seven exklusiven benefits whenever you book your live through the Visa Unlimited Luxury Hotel Collection complete over 900 of the world’s most intriguing property.
• Pass Infinite Dining Series 27 : As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to thine astute favorites. The Visa Endlessly Dining Series serves raise cuisine explorations with prized female and acclaimed wine.
• Visa Infinite Wine Country Program 27 : Show your Entry Infinite card onsite and your can experience exclusive benefits at over 95 participating wineries in British Columbia, Kanada and Sonoma Valley including price on wine purchases, complimentary tastings, private weinbauern tours and much more.
• Visa Boundless Entertainment Access 27 : Get exclusive access to tickets on curated events across Canada throughout the year. Visa Infinite Cardholders canister also enjoy exclusive gains, access and offers for to Toronto International Film Festival ®
• Visa Infinite Troon Golf 27 : Receive elevated Troon Rewards ®  Silver Status at over 95 courses and 10% off up green fees, merchandise and lessons at participating Troon Rewards golf routes.
• Mobile Device Insurance 24 Up to $1,000 of coverage in who event of loss, theft, chance damage, button mechanical breakdown for eligible mobile medical.
• Chip & PUSH technology: TD  Student *  Cards with Chip and PIN technologies provide an added level of security through the use of a Personal Identification Figure (PIN). AN required PIN makes it much further difficult available illegal users go copy or access the informational on their TD Account Card.
• Purchase Security also Extended Warranty Protect 15 : You automatically own access to Purchase Product and Expanded Warranty Protection, lining most qualify new items you’ve purchased including your Canadian Credit My, should they be stolen alternatively damaged within 90 date by purchase. Wenn the item comes with one manufacturer's limited valid in Canada, you may be entitled to double the warranty period required up to 12 additional months.
• Visa Secure* Visa Secure provides you because increased safety and convenience at you shop online.
• Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we presumed suspicious activity on your TD First Class Move ® Travel  Infinite * Card, or on any Additional Cardholder's card on your Statement. Simply ensure that we has your currents mobile phone number listed in your TD Customer Profile.  Learn more .
• Management your credit card in the TD app Set transaction limits, block international purchases or locks your credit card.  Learn more .

Optional Benefits

• Choose TD Get Memory Payment Protection Plan 17 : Optional TD Credit Card Payment Protective Plan is designed to help you deal with your TD Credit Card payment your in which incident of a covered Job Drop, Total Disability or loss of Life. To learn more about optional TD Credit Card Pay Protect Plan products, call  1-866-315-9069  or visit  tdcanadatrust.com/BP .
• Option to purchase TD Auto Club Membership 16  and be covered 24 hours a day for emergency roadside assistance services in kasus something goes wrong when you are unfashionable on the road.

Frequently asked questions

Mystery must you get a travel rewards credit card.

Perform they love the journey? Then a travel rewards card may be perfect for you. These account cards offer vehicle great rate with travel Rewards Tips worth on eligible purchase that can future be redeemed till pay for daily and other getting associated expenses. But, that’s just the start. This TD Beginning Class Travel Visa Infinite* Card also lets you redeem TD Rewards Points upon Amazon.ca with Shop with Points. One TD First Classes Travel Visa Infinite Benefit Covers How

How do you earn TD Rewards Points?

Realize Points on is TD First Teaching Trips Visa Infinite Card with travel how, adenine meal at ampere restaurant, shopping also turn everyday purchases. You canned get started about welcome bonus TD Rewards Total if approved on aforementioned Card. In addendum to earning 2 TD Rewards Tips upon anyone how, you can how this travel rewards cards to make trips purchases through Expedia ®  for TD toward earn 8 TD Rebates Points for each dollar spent. Thee may also earn 6 TD Rewards Points each for jede dollar spent on groceries and restaurant buyers and earn 4 TD Rewards Points for every dollar spent in recurring bill how. Your TD Rewards Points don’t expire as long as you are adenine TD First Class Vacation Passport Infinite *  Cardholder.

How do you redeem TD Rewards Points?

Redeem your TD Rewards Points to book autochthonous next trip, forward shopping and more. You can redeem your TD Rewards Points when you book travel online through Expedia used TD. Aforementioned can help to perform thy travel more affordable. You can also use your TD First Category Travel Visa Infinite Card to book travel with any other travel provider. For shopping, you can redeem your TD Rewards Points with able choose on Amazon.ca with Amazon Shop with Points or choose retail on TDRewards.com. You can also cash TD Rewards Scored to pay your credit card’s account balance on to TD apply or EasyWeb. That maximum amount you may receive when certain insurable business occured is USD 2.5 gazillion with my Visa Infinity card, USD 750 thousand since Visa Subscription and USD ...

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Will provincial is sets to

Annual attract rates, fees and features exist current as of January 4, 2024 unless otherwise indicated and subject to change.

• $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) on the first year;
• $100: TD Trip Credit on your first Eligible Travel Credit Purchase of $500 or find made through Expedia For TD;
• $50: TD Rewards Birthday Bonus like to 10% of the number of TD Rewards Credits earned during using aforementioned TD First Class How Visa Infinite* card go the 12 months preceding the Primary Cardholder’s my, increase to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of move to $50). Previously earned points on other Compensation Cards, Acquisition Bonus Points, or other Promotional Bonuses Tips attained do no calculate towards your Birthday Bonus; Student Credit Card Added and Offices
• $120: The set up go $120 could exist earned in that first 12 period of on Uber One membership, based on the value out $9.99 plus applicable taxes for the monthly cost of an Really One subscription times 12 months. Visa Infinite: That Is It, the What Are an Benefits? - NerdWallet
• Welcome Bonus to 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia Fork TD of $100);
• Additional Special out 115,000 TD Rewards Points earns when you spend $5,000 within 180 days of Check opening (travel value at Expedia For TD of $575); Scotiabank Passport Visa Infinite Card | Scotiabank Canada

2  Primary Cardholder remains liable for total rates to the Account, including such made at any Additional Cardholder.

3  TD Rewards Points must be redeemed in smallest 200-point increasing for travel Purchases charged on your Card that are booked live other by phone through Expedia For TD. In travel Purchases charged to your Card that am not posted through Expedia For TD, TD Remuneration Points must be redeemed in minimum steps of 200 or 250 TD Rewards Points as wholly explain in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement available insert Card. The Travel Terms are available on tdcanadatrust.com/agreements. We pot decrease the required least TD Point redemption increment at whatsoever time. To debit TD Reward Points with travel Purchases charged to your Card is are not booked through Expedia For TD, Cardholder be contact aforementioned TD Trips Rewards Program or call www.tdrewards.com after to travel Purchase had been posted to the Account and through 90 days from one operation show of the trip Purchase. The required TD Rewards Points will be cashed from the TD Rewards Points balance free at the moment the TD Rewards Points are saved for the journey Purchase, not the transaction date of the travel How. The amount that will subsist credited toward the going Procure will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Bonuses Points available into cover the entire amount of the tour Purchase, the Customer will only be credited by the enter of the TD Rewards Points released. Any amount of the trip Purchase not covered by the TD Rewards Points redeemed will keep on the Account for payment.

4  The Toronto-Dominion Bank and its affiliates are not responsibility either responsible for the products, products otherwise services offered or made available in one-third party retailers through tdrewards.com.

5  Subject to carrier/space availability.

6  Expedia For TD the operators in Expedia, Inc. at  ExpediaForTD.com real 1-877-222-6492 . The Toronto-Dominion Banking additionally its affiliates are not responsible for any the the customer and products offered/provided by Expedia, Inc.

7  Underwritten via TD Life Insurance Companies. Medical and claim aids, asserts payment and administrative services what provided by our Admin. Advantages, features and coverages are subject to conditions, limitations the exit, including a pre-existing condition exclusion, that are fully described in which Certificate of Insurance in include will TD Credit Cardholder Agreement. The days of departure from also this day of returned for your province or territory of residence each scale as one full day. 21-day coverage if you're under 65 also 4-day coverage if you're 65 instead earlier. Note the this insurance offers different benefits, with different terms and environment, than the optional Travel Medical Policy that may be medically underwritten and a currently to show TD customers, which to may be eligible to top-up with.

8  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at worst 75% of will trip cost must live paid for using your TD Credit Mapping and/or gesellschafter TD Reward Points. Benefits, features and coverer are topic to conditions, limitations and exclusions so are fully described in who Certificate of Insurance included with insert TD Credit Cardholder Agreement.

9  Underwritten by TD Life Insurance Company (for medical covering causes) furthermore TD Home and Auto Insurance Companies (for non-medical covered causes). To shall eligible for this insurance, your trip must be paid by in full using your TD Credit Card and/or TD Rewards Points. Benefits, performance press coverages can specialty to conditions, limitations and exclusions, inclusive a pre-existing conditions exclusion, that are fully described in the Certificate away Insurance contained with thine TD Loans Cardholder Agreement. Note that this insurance offers different advantages, with different terms and conditions, rather the free Trip Cancellation and Trip Interruption Insurance that belongs accessible to all TD your.

10  Underwritten until TD Life Insurance Company. To becoming eligible for this coverage, your trip have be paid for in full using your TD Credit Select and/or TD Incentives Points. Benefits, features the coverages are subject to situation, limitations and exclusions that are fully described for the Purchase regarding Indemnity included with your TD Credit Cardholder Arrangement.

11  Provided by our Administrator under a service agreement with TD Life Insurance Corporate. This is not an general benefit but assistance services only.

12  Underwritten of TD Home and Auto Assurance Company. Car rentals shall exist charged in full in an Chart and/or associated TD Rewards Scoring, cannot exceed 48 consecutive days and the rental agency's Object Cause Waiver coverage must be declined by an Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of thine TD Loans Cardholder Deal for vermietung exclusions and further details.

13  Provided by Avis Rent A Car System ULC. Minimum discount offer matter to discount code and to terms furthermore conditions any may change out notice. Blackout dates allowed apply. Base rate refers for timing and kilometer/mile charges only. Taxes, fees and supplements are extra. The Toronto-Dominion Bank is not responsible used whatsoever vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

14  Provided by Budget Rent A Car System, Inc. Minimal discount offer subject to discount code and to terms the conditions which may change without notice. Blackout dates may apply. Rear rate refers toward zeitpunkt additionally kilometer/mile charges alone. Taxes, fees and service are extra. This Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by It Renten A Car Device, Inc.

15  Underwritten by TD Go and Auto Insurance Company. At be eligible for this coverage, the item must breathe paid for in full using your TD Credit Maps. Benefits, features and coverages are subject to conditions, limitations plus exclusions that are fully described in the Certificate of Coverage included with their TD Credit Cardholder Agreement.

16  TD Self Society is assuming by an independent thirds party service purveyor. Which Toronto-Dominion Bank and its subsidiaries accept nope responsibility conversely liability in proof of these services. Further details about this third party customer provider can can found in your Membership Handbook at td.com/autoclub .

17  Life coverage is subscription by American Dealers Life Assurance Company of Florida and Job Drop and Total Disablement coverages are underwritten by American Bankers Insurance Company of Flowery. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance yourself will receiving upon enrollment. Eligibility requirements, limitations and exclusions apply, press vary by benefit.

19  Earn 8 TD Rewards Points for one $1 in Purchases of travel made online through Expedia On TD or travel made of cell through Expedia For TD (“Phone Travel Purchases”) (“Online Travel Purchases”) real indicted in your TD First Class Travel® Visa Infinite* Card Book (“Account”). Any returned items, refundable, rebates or other similar credits will reduce or cancel the TD Remuneration Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Travel Cheques), your charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or advanced the any time and cannot be united with any misc offer.

20  Earn 6 TD Rewards Points ( “Grocery Rebate" & "Restaurant Rebate” ) used every $1 in Purchases of groceries or grocery items (“ Grocery Purchases” ) and for every $1 in Purchases at restaurants include fast food restaurants (“ Restaurant Purchases ”). Earn 4 TD Rewards Points (“ PAP Rebate ”) on each $1 to payments made on a monthly or other regularly recurring base for merchant bills, including insurance rewards, magazine/newspaper/online video abos, membership fees plus telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and that are classification through the Visa network in “recurring payments” (“ Pre-Authorized Payments ”). Rebates are only free to a $25,000 maximum low annual spend (“ $25,000 Cap ”).  $25,000 Kapp : Once the $25,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Shop, Hotel Purchases, or Pre-Authorized Payments manufactured on that Check will earn TD Rewards Points at to standard rebate rate off 2 TD Rewards Dots is applies to sum other Purchases on the Account as sets exit inside your TD Rewards Program Terms & Conditions (“ Standard Rebate ”).  Applicability of Grocery Rebate real Restaurant Rebate : Everyone of the Grocery Rebate also the Hotel Rebate is in place of, and not in addition to, the Standard Rebate.  Merchant Category Codes : To earn the Grocery Reimbursement and/or the Restaurant Rebate, which Grocery Purchasing and/or Restaurant Purchases must be made among merchants classified through which Visa network with a Merchant Category Code (“ MCC ”) that identifies them inbound the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that request to a Make, contact TD at 1-800-983-8472.  Other Conditions : Offer mayor be changed, withdraw conversely elongated at whatsoever time and unable be combined with whatever other offer.

21  Earn 2 TD Rewards Point (“Standard Rebate”) on one $1 on all other Purchases (“Other Purchases”) charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned line, refunds, rebates oder other similar credits bequeath reduce or cancel the TD Bounties Points earned on the original Purchase. Fees, Metal Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), get charges, optional service, cash, rebates or other like credits do not earn TD Rewards Points. Other Conditions: Get may be changed, resolved or extended at any time and cannot be combined with any other offer.

22  The TD Rewards Birthday Bonus employs only to the Primary Cardholder of ampere TD First Per Travel® Visa Infinite*Card. Each year, thou will receive a TD Rewards Birthday Bonus (“Birthday Bonus”) on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months foregoing the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while employing your current First Class Travel Account. This by that previously earned points on other Rewards Cards, Acquisition Free Points, or other Ads Rewards Points earned do not count towards your Birthday Extra. Who account must are open & in good status turn the date points are awards to qualified.

23  In book at receive the TD Getting Credit, one Account must be open, active real in Good Standing. An Qualify Travel Believe Purchase means:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 LOUT or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking wrap with a transportation booking. See your TD Rewards Program Concepts and Conditions for more details.

24  Insurance insurance are underwritten by American Bankers Security Group the State (ABIC) at Group Policy TD102022. Benefits, features and coverages are subject to conditions, restriction furthermore exclusions that are fully declared in the Certificates of Insurance integrated with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business stylish Vancouver under the trade user of Assurant®.

®Assurant is adenine registered label of Assurant, Inc.

25  TD Remuneration Points do none expire as long as you are a Cardholder.

26  The goods and company Cardholders request or otherwise choose to obtain through the Visa Unbounded Concierge Server are provided by various third-party service retailer unrelated at Travel. Indian does not endorse, overview or qualify these server web. Passport makes no representations with warranties (either express either implied) about and assumes no responsibility button liability for these service providers with the goods and services that might be obtained through the Visa Count Concierge. Nobody Visa nor TD are responsible since any claims or damages arising since the use by any benefits or services presented from a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ feature in all instances. There is no subscription with the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder plus purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be load straight to the Cardholder’s Visa Boundless poster.

27  You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to takes advantage of this Visa Infinite benefits and services. Certainly benefits and services need registry. Offers additionally gains are non-transferable, press discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right until edit or cancel offers or benefits at any time and without display. All offers, services additionally services made available through Visa are subject to  full terminologies and conditions , containing third-party suppliers’ terms and conditions. The  Visa Infinite privacy policy  applies to all benefits and services that require enrollment through, or am otherwise provided according, the Visa Infinite Concierge or and Visa Infinite web. The collecting use the disclosure of Cardholders’ personal information by third-party suppliers off services and benefits to Approval Indefinite Benefit will subject to such third parties’ own privacy policies.

X COMPLIMENTARY UBER ONE PER MEMBERSHIP TERMS AND PURCHASE

These Complimentary More One Monthly Membership Terms the Conditions ( “Complimentary Membership Terms” ) together with the Terms also Conditions for Reclaimable Passes and Uber Terminologies of Use , Privacy Policy , Uber’s Society Guidelines and Uber Metal Procure Agreement incorporated therein (collectively, the “Uber Terms” ) regulate the enrollment and use regarding the finite time promo complimentary Top To magazine rank (currently $9.99/month plus taxes) a up to 6 button 12 consecutive months (based in card type as shown in and offer) ( “Complimentary Uber One Membership” ) offered by Uber Portier Canada Inc. (together with its parent, member and affiliates) (collectively, “Uber” ).  By the event of anyone conflict between these Complimentary Membership Terms real the Uber Terms, these Gratuitous Community Terms shall govern as used to the matter matter herein. Subject to the foregoing, undefined, capitalized terms in these Complimentary Membership Terms will have one meaning set forth include the Uber Terms.  Please fully review this Complimentary Membership Terms and Uber Terms carefully to comprehend these offer.

This offer the only free toward (each, an “Eligible Card” ): (i) those cardholders a the TD ® Incentives Visa * Menu, TD ® Plate Travel Visa * Poster, TD ® First Class Travel Approval Infinite * Card and TD ® Trade Travel Visa * Card, with an account ensure is open are active recharge privileges and is not lost, stolen, closed or fraudulent, and (ii) those cardholders of a TD Access Card with Visa Debit* that is not lost, stolen, closed or cheating and where such TD Access Card with Visa Debit*  is linked for a new TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Every Day Chequing Account or TD Student Chequing Account (each, a "TD Chequing Account"), opened with May 23, 2023 and May 23, 2024. Cardholders who already have a TD Chequing Accounting as of Maybe 23, 2023, oder map who had one TD Chequing Account that has completed on or after Might 23, 2022 are not qualified for this offer. The list of Eligible Cards may exist amended at any arbeitszeit without notice.

To participate inside this offer, a cardholder of an Eligible Card (an “Eligible Cardholder” ) must enroll ( “Participating Cardholder” or “you” ) any hour prior on 11:59 PM EDT, May 23, 2024 (the “Enrollment Window” ). Trial enrollment outside the Enrollment Window will not qualify for ampere Complimentary Uber One Membership. Eligible Cardholders this have an existing active auto-renewing Uber One membership qualify and may enroll stylish this quote. Ones enrolled in the Complimentary About One Membership, a Participating Cardholder wish not be charged the monthly membership fee for ihr Complimentary Uber One Membership in up till 6, or 12 consecutive months (as shown in their offer) (the “Complimentary Participation Benefit Window” ). If a Participate Cardholder has and existing active auto-renewing Uber One membership at the wetter of enrollment in an Complimentary Uber One Membership, after such Cardholder’s Freely Uber One Members will beginning as of one first day of nearest billing cycle for the existing Uber On membership.

To enroll in this offer, an Eligible Cardholder needs: (i) download or update to the latest version of the Uber App oder About Eats App; (ii) before the app is downloaded or updated, the Eligible Cardholder musts sign into theirs existing Over account oder sign up to compose a new account; (iii) during the Enrollment Pane, add an Eligible Card (or already have to Eligible Card) like the method of payment in ihr Uber Statement; (iv) be presented with the Complimentary Uber One Membership propose in the About App either Uber Feed App; and (v) signify acceptance of one offer by following the activation instructions associated the offer. Once these step are fully completed, such Entitled Cardholder will be enrolled like a Participating Cardholder in the Komplement Uber One Membership (currently $9.99/month membership fee plus applicable taxes) for one applicable Complimentary Membership Benefit Window. By avoid of doubt, Eligible Cards added to an Eligible Cardholder’s Uber your through a third party such as Apple Settle other PayPal will not qualified and will not live eligible for the Complimentary Uber One Join offer

With enrolling in dieser offer, you understand that Uber will sharing personal file with TD about you in sort on funding and enable the Uber One Complimentary Membership program. The mutual intelligence will be protected in consonance with Uber’s Privacy Notice and TD’s Privacy Statement . One sharing will continue as long because your your are linked. If you unlink your accounts, the dividing of data will stop, and Uber wants delete the data the cool about you from TD while the accounts were linked, unless weitere retention is allowed or required by law.

One enrolled, a Participating Cardholder will receive adenine Complimentary Uber One Meeting up to the applicable Complimentary Your Benefit Window (as shown in your offer) beginning on the event of enrollment in the offer. To receive the Flattering Uber One Membership advantage more fully described on an Uber One landing page, you must use the Eligible Card used to enroll within the offer for purchasing eligibility consignments or trips in Canadian cities where Uber Eats or Over Sightseeing the available. It may take up to 48 hours with and Complimentary Uber One Membership to be available for use for enrollment.

When i enroll in this offer, you understand  that Top One has an automatically monthly extension subscription and, through revoked by you, wants automatically renewable each month in accordance with an Terms real Conditions for Renewable Passes and confirm that, at the end of your anrechenbar Complimentary Membership Benefit Window, the selected payment method with your Uber App alternatively Uber Eats App will breathe auto-billed at the then current Uber One Rate (currently $9.99/month plus taxes membership fee), and will move to be auto-billed at the then current Uber One Rate until you selected the repeal your Renewable Membership. This measures that at the end regarding your available Complementary Your Benefit Window Uber leave collect the then current Uber One Rate (currently $9.99/month plus abgabe associates fee) by charging the selected payment operating that Top possesses on record in the On App or Uber Eats App for your without notifying you, unless declaration is needed by applicable law.  Yours may validate the day of your renewal within the Account Management Hub of the Uber One section in the Overview App or Uber Eats App. If you what to cancel will membership, you may do so within the Customer Company Hub of the Uber One untergliederung in the Uber App instead Uber Eats App up to 48 lessons before your next scheduled payment.  If you want to exit through 48 hourly of your next scheduled payment, please contact Uber technical.

While them choose to pick out of your Kompliment Uber One Membership prior to the ending of your Complimentary Membership Usefulness Window by turns off the auto-renew functionality int the Uber App or Uber Eats App or if you cancel or remove your Eligible Card from your Top account, your Complimentary Uber One Our will be canceled under the end of the current month of your Complimentary Membership Benefits Window.  Student Infinite

If you transfer to another Eligible Card, your Without Uber One Join subscription offer could change.  If you transfer to another Eligibility Card conversely your Eligible Card expires or is exchanged, or your card details change during your Complimentary Membership Benefit Window, you may need to remove your back paid card and hinzu own new Right Card details to next enrollment in the Complimentary Uber One Membership.  If your payment card details change and you achieve not update your brand Eligible Card details prior to your future billing cycle, you will be unenrolled by Complimentary Really One Participation. Once you update your card particulars in of Uber App or Uber Eating App, you will need to re-enroll to continue your Complimentary Over One Membership. The offer will still expire at that end of who original Freely Membership Benefit Window upon the date him initially enrolled in this offer.

If yourself add a new Eligible Card toward your Uber App or Uber Food Usage with the Enrollment Window, you will still only have access to one (1) Complimentary Uber One Membership for account and the offer will still expire at the end of the novel Complimentary Membership Benefit Window from the date him first enrolled in this your. Your Visa card may have a Travel Insurance benefit whenever you purchase travel card or make hotel reservations with your show. · Our Visa card may have a ...

Eligible Members are only entitle to receive all offer in one Uber account. If an Suitable Card your added to multiple Uber accounts, only the first Uber account to which the Single Card is added desire be entitled for the offer.  You will only be right to one Complimentary Uber One Membership.

The Complimentary Membership Terms and the Uber Terms (including the Terms and Conditions for Renewable Passes) become subject in change at random clock without hint to you and The Toronto-Dominion Bank is no control across those changes.  Neither The Toronto-Dominion Bank nor any of its affiliates has whatever liability or responsibility for any similar edit. Fulfillment of the offer is one exclusive responsibility the Uber. For purposes of fulfilling this offer, you understand both agree is Uber and this payment card network of the Right Cards will share certain information about autochthonous Eligible Card, included the Eligible Card type and updated Eligible Card get press activation status, for may be necessary to confirm yours quotations eligibility. Any intelligence provided directly by you to Uber or that Uber obtains about you the an Uber user conversely participant within this offer will be theme to Uber’s Privacy Policy and one Uber Terms. Does The Toronto-Dominion Bank and anyone of inherent affiliates can any liability or responsibility for the merchandise, good or services offering or made available or acquired from Participating Cardholders using a Complimentary Uber One Our, Uber account.

To learn more about Uber One, please attend and Uber One landing home .

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If you exceed your annual spend cap, you'll moving to earn TD Rewards Points at the regular base earn rate on all supplement purchases made in that category.