TD Business Travel Visa* Benefit Coverages Guide

TD Business Travel Visa*

Beneit Coverages Guide

The

TD Business Travel Visa

Benefit Coverages Guide

This document contains important and useful

information about your embedded Insurance Beneits

and Services for your TD Business Travel Visa Card.

Please keep this document in a secure

place for future reference.

A copy of this document is also available

online at td.com/businessagreements

for future reference.

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This document includes:

Travel Medical Insurance

Trip Cancellation/Trip Interruption Insurance Certiicate

Flight/Trip Delay Insurance

Common Carrier Travel Accident Insurance Certiicate

Delayed and Lost Baggage Insurance Certiicate

Emergency Travel Assistance Services

Auto Rental Collision/Loss Damage Insurance Certiicate

Purchase Security and Extended Warranty Protection

TRAVEL MEDICAL INSURANCE

For Covered Trips of 15 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

This Certiicate applies to the TD Business Travel Visa Account.

Certiicate

TD Life Insurance Company (“TD Life”) provides the insurance for this

Certiicate 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 Certiicate contains important information. Please read it carefully

and take it with You on Your trip.

IMPORTANT NOTICE – PLEASE READ CAREFULLY

• Travel Insurance is designed to cover losses arising from sudden and

unforeseeable circumstances. It is important that You read and

understand Your Certiicate before You travel as Your coverage may

be subject to certain limitations and exclusions.

• Your policy may not provide coverage for Medical Conditions and/or

symptoms that existed before Your trip. Check to see how this applies

in Your Certiicate and how it relates to Your Departure Date. Please

see Sections 6 and 7 of this Certiicate for details. Should You have

any questions or need further clariication, please contact Our

Administrator at 18663741129 or at 4169774425.

• In the event of an accident, injury or sickness, Your prior medical

history may be reviewed when a claim is made.

• 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 Beneit 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, 7 days a week at 18663741129 from Canada or the

USA, or from other countries by calling collect at (416) 9774425.

Please see section 8 for further details.

his policy contains a provision removing or restricting the right of the

group person insured to designate persons to whom or for whose

beneit insurance money is to be payable.

SECTION 1 – SUMMARY OF BENEFITS

Beneit

Medical Emergency Insurance

Maximum Beneit Payable

$2,000,000 per Insured Person

per Covered Trip.

SECTION 2 – DEFINITIONS

In this Certiicate, the following words and phrases shown in italics have the

meanings shown below. As You read through the Certiicate, You may need

to refer to this section to ensure You have a full understanding of Your

coverage, limitations and exclusions.

Account means the Account owned by the Account Holder that the Bank

maintains with respect to a TD Business Travel Visa Card(s).

Account Holder means the person who was issued a TD Credit Card,

whose name is on the Account and who is a resident of Canada. The

Account Holder may be referred to herein using “You” and “Your”.

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.

Certiicate means this certiicate of insurance.

Coverage Period means the period of time during which a Medical

Emergency must occur for a beneit to be payable. This period is deined in

section 5 – THE COVERAGE PERIOD.

Covered Trip means a trip:

• made by an Insured Person outside their 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 – ELIGIBILITY; or

• the date coverage terminates as described in section 4 – WHEN

COVERAGE TERMINATES.

ote: 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.

Exclusion:

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 irst 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.

Departure Date means the date the Insured Person left their home

province or territory.

Dependent Children means Your natural, adopted, or step-children who are:

• unmarried;

• dependent on You for inancial 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 of 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 Certiicate takes effect with respect to

You, which is the date an Account is opened by the Bank for You and You

meet the eligibility requirements set out in section 3 – ELIGIBILITY with

respect to this Account.

Eligible Medical Emergency Expenses are deined in section 6 – WHAT

YOUR INSURANCE COVERS –EMERGENCY MEDICAL INSURANCE.

Emergency Medical Beneit is deined in section 6 – WHAT YOUR

INSURANCE COVERS – EMERGENCY MEDICAL INSURANCE.

overnment Health Insurance Plan (“GHIP”) means a Canadian

provincial or territorial government health insurance plan.

Good Standing: An Account is in Good Standing if:

• the Account Holder has applied for the Account;

• the Bank has approved and opened the Account;

• the Account Holder has not advised the Bank to close the Account; and

• the Bank has not suspended or revoked credit privileges or otherwise

closed the Account.

Group Policy means the Group Policy Policy No. TGV002 issued by Us for

the Bank.

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.

Note: Hospital does not include chronic care, convalescent or nursing

home facilities.

Hospitalized or Hospitalization means conined as an in-patient in a

Hospital.

Insured Person means a person who is eligible to be insured under this

Certiicate as described in section 3 –ELIGIBILITY.

Maximum Number of Covered Days means 15 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 any injury, illness, or disease; complication of

pregnancy within the irst 31 weeks of pregnancy; a mental or emotional

disorder, including acute psychosis that requires admission to a Hospital.

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 doctor 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 You or related by blood or marriage to

any Insured Person under this Certiicate.

Pre-Existing Condition means a Medical Condition:

•

for which symptoms appeared in the Pre-Existing Condition Period;

• which was investigated, diagnosed or Treated during the Pre-Existing

Condition Period; or

• for which further investigation was recommended or prescribed, or for

which a change in Treatment was recommended (including a change

in medication or its dosage) during the Pre-Existing Condition Period.

Pre-Existing Condition Period with respect to any beneit – under this

Certiicate 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.

Reasonable Charges means charges incurred for a Medical Emergency

that are comparable to what other providers charge for comparable

Treatment, services or supplies in the same geographical area.

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;

• 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 the person who is sharing travel

arrangements with You (to a maximum of three people including You).

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.

You and Your mean the Account Holder.

SECTION 3 – ELIGIBILITY

The Account Holder is eligible to be insured under this Certiicate if,

throughout the Covered Trip, the Account Holder:

•

is a resident of Canada;

• is covered by a Canadian provincial or territorial GHIP; and

• has an Account in Good Standing.

The Account Holder’s Spouse is eligible to be insured under this Certiicate

if, throughout the Covered Trip:

• the Account Holder is eligible to be insured under this Certiicate as

described above, even if the Account Holder 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 deinition of Spouse of the Account Holder.

The Account Holder’s Dependent Child is eligible to be insured under this

Certiicate if, throughout the CoveredTrip:

• the Account Holder is eligible to be insured under this Certiicate as

described above and

• the Dependent Child:

• is a resident of Canada;

• is covered by a Canadian provincial or territorial GHIP;

• is travelling with either the Account Holder or with the Account

Holder’s Spouse; and

• continues to meet the deinition of Dependent Child.

Note: 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.

Coverage after the Maximum Number of Covered Days

• This Certiicate 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 15 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.

ifferent 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 Account Holder under this Certiicate 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 Account Holder under this

Certiicate will terminate on the earliest of the following dates:

• the date coverage terminates for the Account Holder; and

• the date the Insured Person ceases to be eligible for coverage.

No beneits will be paid under this Certiicate for losses incurred after

coverage has terminated.

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 (15 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 irst Maximum Number of

Covered Days following the Departure Date will be considered. The day of

departure counts as a full day for this purpose. Dependent Children are

only covered while travelling with You and/or Your Spouse.

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 Beneit for

that other Insured Person; and

• That other Insured Person was insured under this Certiicate 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 Beneit if an Insured Person suffers a

Medical Emergency during the Coverage Period for a Covered Trip.

Emergency Medical Beneit means, subject to the Maximum Beneit

Payable described in section 1, the 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;

•

rivate duty nursing:

• up to $5,000 for:

• services performed by a registered nurse; including

• medically necessary nursing supplies;

• D

iagnostic services:

• charges for diagnostic tests, laboratory tests and X-rays which are:

• 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;

• Am

bulance:

• 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

mergency 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;

• M

edical 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;

• Transportation to Bedside

• if an Insured Person is Hospitalized and is expected to remain

Hospitalized for at least 3 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 Beneit

• 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

conomy airfare back to the Travelling Companion’s place of

departure;

•

Bedside Companion Beneit

• 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 beneit or a Travelling

Companion Beneit; and

• Our Administrator has approved the Bedside Companion Beneit

in advance;

• V

ehicle 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

beneit; 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.

SECTION 7 – LIMITATIONS AND EXCLUSIONS:

WHAT YOUR INSURANCE DOES NOT COVER

ailure 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

beneit payable with respect to the Medical 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 beneit will be paid for any Pre-Existing

Condition that was not Stable during the Pre-Existing Condition Period

period immediately preceding the beginning of the Coverage Period.

3. Reasonably foreseeable Conditions

• We will not pay any expenses or beneits under this Certiicate relating

to a Medical Condition:

• when the Insured Person knew or for which it was reasonable to

expect before they left their province or territory of residence, or

before the Coverage Period, that they would need or be required to

seek Treatment:

• for which future investigation or Treatment was planned before the

Insured Person left their province or territory of residence;

• which produced symptoms that would have caused an ordinarily

prudent person to seek Treatment in the three months before

leaving their province or territory of residence;

• that had caused the Insured Person’s Physician to advise them not

to travel.

4. Medical Emergency occurring outside the Coverage Period

• No beneit will be payable with respect to a Medical 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

beneit will be paid with respect to any Medical Emergency if an

Insured Person’s Medical Emergency occurs after the irst 15 days

following their Departure Date.

• For an Insured Person 65 years of age or older, this means, for

example, that no beneit will be paid with respect to any Medical

Emergency if an Insured Person’s Medical Emergency occurs after the

irst 4 days following their Departure Date.

• Note that the day of departure counts as a full day for this purpose.

ailure 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 beneits for expenses incurred after the scheduled transfer

date.

. Recurrence

• A Medical Emergency is considered to have ended when medical

evidence indicates that the Insured Person is able to return to his or

her province or territory of residence. No beneits 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 speciies that it must

be approved in advance by Our Administrator, if advance approval is

not obtained, no beneit will be payable for that expense.

• No beneit 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 beneit 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.

. General

• As noted above, the beneits 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 beneit 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 self-inlicted injuries

• intentionally self-inlicted injuries, suicide or attempted suicide,

whether the Insured Person is aware or not aware of their actions,

regardless of the Insured Person’s state of mind;

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;

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. Mental Problems

• any mental, nervous or emotional problems, including any Medical

Emergency arising from these problems;

j. Hazardous Activities

• recreational scuba diving (unless the Insured Person h

olds a basic

scuba designation from a certiied 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 certiicate

ofairworthiness;

k. Travel Advisories

• Your M

edical Emergency or related Medical Condition, if the reason for

your Medical Emergency or related Medical Condition is associated in

any way with a written formal travel warning of ‘Avoid all non-essential

travel’ or of ‘Avoid all travel’ issued before your Departure Date by the

Canadian Government, advising Canadians not to travel to the

country, region or city of your trip.

11. D

ependent Child not trav

elling with You or Your Spouse. No beneit will

be payable with respect to a Dependent Child unless he or she is

travelling with You or Your Spouse.

SECTION 8 – WHAT TO DO IN A MEDICAL EMERGENCY

hen a Medical Emergency occurs,

You or if applicable, an Insured

Person, must phone Our Administrator immediately, or as soon as is

reasonably possible. Otherwise, beneits 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.

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 Certiicate.

Note: All payments and payment guarantees are subject to the terms

and conditions of the Certiicate, 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 beneits 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 irst 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 Certiicate, then You

and/or the Insured Person must reimburse Us.

SECTION 10 – HOW TO CONTACT OUR ADMINISTRATOR

24-hour Emergency Assistance Number

To r

eport a Medical Emergency, You or, if applicable, the Insured Person

can call Our Administrator 24 hours a day, 7days a week at:

From the U.S.A. or Canada 18663741129

From elsewhere, call collect (416) 9774425

ustomer Service: Phone number

To enquire about Your beneits under this Certiicate 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–Friday, 8 a.m.–9 p.m. Eastern Time

In a non-emergency situation, You can also call this number to obtain

claims forms.

ustomer Service: Mailing Address

You can mail Your request to:

TD Travel Insurance

c/o Global Excel Management Inc.

73 Queen Street

Sherbrooke, Quebec J1M 0C9

Fax: +1-(819) 5692814.

SECTION 11 – GENERAL CONDITIONS

Unless this Certiicate 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 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

We h

ave full rights of subrogation, including the right to proceed at Our

own expense in the Insured Person’s name against third parties who may

be responsible for a claim arising or providing indemnity or beneits similar

to the beneits under this Certiicate. You and the Insured Person shall give

Us all such assistance as is reasonably required to secure Our rights and

remedies, including the execution of all documents necessary to enable Us

to bring suit in Your name or the name of the Insured Person, as applicable.

Other Insurance

All of Our policies are excess insurance, meaning that any other sources of

recovery You have will pay irst, and this insurance policy will be the last to

pay. The total beneits payable under all Your insurance, including this

Certiicate, cannot be more than the actual expenses for a claim. If an

Insured Person is also insured under any other insurance Certiicate or

policy, We will coordinate payment of beneits 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 beneits is $50,000

or less. If the lifetime maximum for all in-country and out-of-country

beneits is over $50,000, We will coordinate beneits 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 beneits 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

D Life, the Bank, Our Administrator and their afiliates 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 beneits under this Certiicate are subject in every respect to the Group

Policy which alone constitutes the agreement under which beneits 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

Certiicate. The Group Policy is on ile at the ofice of the Bank.

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

Certiicate of Insurance

This Certiicate applies to the TD Business Travel Visa Card Account.

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 Certiicate 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 Certiicate under Group Policy No. 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 Certiicate contains important information. Please read it carefully and

take it with You on Your trip.

Important Notes:

Pre-Existing Conditions: A Pre-Existing Condition exclusion applies to

the Trip Cancellation and Trip Interruption beneits. 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

conirm coverage, please contact Our 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 beneit

insurance money is to be payable.

This Certiicate contains a clause which may limit the amount payable.

SECTION 1 – SUMMARY OF BENEFITS

Beneits Maximum Beneit 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.

SECTION 2 – DEFINITIONS

In this Certiicate, the following words and phrases shown in italics have the

meanings shown below. As You read through the Certiicate, You may need

to refer to this section to ensure You have a full understanding of Your

coverage, limitations and exclusions.

Account means the Account owned by the Account Holder that the Bank

maintains with respect to a TD Business Travel Visa Card(s).

Account Holder means the person who was issued a TD Credit Card,

whose name is on the Account and who is a resident of Canada. The

Account Holder may be referred to herein using “You” and “Your”.

dministrator 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.

Certiicate means this certiicate 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 speciic charge.

Coverage Period means the period of time during which a covered event

must occur for a beneit to be payable. Coverage Period means the Trip

Cancellation Coverage Period or the Trip Interruption Coverage Period, as

applicable. These terms are deined 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 Rewards Points.

Dependent Children means Your natural, adopted, or step-children

whoare:

• unmarried;

• dependent on You for inancial 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.

Dollars and $ mean Canadian dollars.

ffective Date means the date this Certiicate 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 Account Holder has applied for the Account;

• the Bank has approved and opened the Account;

• the Account Holder 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

Certiicate 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 Certiicate.

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.

re-Existing Condition Period with respect to any beneit under this

Certiicate 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.

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 Rewards 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 3 individuals (including You) will be

considered travel companions on any 1 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 deined in sections 6 and 7.

You and Your means the Account Holder.

SECTION 3 – ELIGIBILITY

The A

ccount Holder is eligible to be insured under this Certiicate if,

throughout the Covered Trip, the Account Holder:

• is a resident of Canada; and

• has an Account in Good Standing.

he Account Holder’s Spouse is eligible to be insured under this Certiicate

if, throughout the Covered Trip:

• Yo

u are eligible to be insured under this Certiicate as described

above, even if You are not travelling; and

• the Spouse:

• is a resident of Canada; and

• continues to meet the deinition of Spouse of the Account Holder

he Account Holder’s Dependent Child is eligible to be insured under this

Certiicate whether or not the Account Holder or the Account Holder’s

Spouse travels with them if, throughout the Covered Trip:

• You are eligible to be insured under this Certiicate 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 deinition of Dependent Child.

ECTION 4 – WHEN YOUR CERTIFICATE TERMINATES

Coverage for the Account Holder under this Certiicate 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 Account Holder ceases to be eligible for coverage; and

• the date the Group Policy terminates.

Coverage for an Insured Person other than the Account Holder under this

Certiicate will terminate on the earliest of the following dates:

• the date coverage terminates for the Account Holder; and

• the date the Insured Person ceases to be eligible for coverage.

No beneits will be paid under this Certiicate 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 charged to Your

Account using a TD Business Travel Visa Card and/or Your TD Rewards

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 Certiicate terminates.

rip 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Business Travel Visa Card and/or Your TD Rewards 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 Certiicate terminates.

SECTION 6 – WHAT YOUR INSURANCE COVERS –

TRIP CANCELLATION INSURANCE

We will pay a Trip Cancellation Beneit with respect to an Insured 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 Beneit means, subject to the Maximum Beneit Payable

described in section 1, Eligible Trip Cancellation Expenses.

Eligible Trip Cancellation Expenses means one of the following 2 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 Rewards Points;

• Forfeited as a result of a Covered Cause for Cancellation; and

• Non-refundable on the date the Covered Cause for Cancellation

arose or non-transferrable to another date; and

• travel point administration cancellation fees that applied on the

date the Covered Cause for Cancellation arose, where applicable;

• 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.

Exclusion: There will be no reimbursement for the cost of any additional

travel insurance or any expenses for which You are entitled to receive any

form of compensation, including but not limited to credits and vouchers.

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 certiies, 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

certiication to the Administrator 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 In

sured

Person’s host at the destination.

Non-Medical Covered Causes for Cancellation me

an:

• 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 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:

• d

elay of an Insured Person’s Common Carrier resulting from the

mechanical failure of that carrier;

• a trafic 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 beneit 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 ire reservist.

Limitations and Exclusions

1. Pre-Existing Condition

• There is no coverage and no beneit 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 beneit 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

• Beneits 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.

4. Causes not covered

• No beneit 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 lyer plan rewards units

• Under no circumstance will any beneit be payable in connection

with the value of frequent lyer plan rewards units that have been

lost or wasted.

SECTION 7 – WHAT YOUR INSURANCE COVERS –

TRIP INTERRUPTION INSURANCE

We wi

ll pay a Trip Interruption Beneit with respect to an Insured 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 Beneit means, subject to the Maximum Beneit 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 or for which You are entitled to receive a credit or any

other form of compensation.

Exclusion: There will be no reimbursement for the cost of any additional

travel insurance or any expenses for which You are entitled to receive any

form of compensation, including but not limited to credits and vouchers.

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:

• 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 trafic 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 light is not considered as

a delay.

Limitation: The beneit 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 ire reservist.

Limitations and Exclusions

1. Pre-Existing Conditions

• There is no coverage and no beneit 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.

. Reasonably foreseeable conditions

• No beneit 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.

3. Interruption occurring outside the Coverage Period

• No beneit will be payable with respect to an interruption that occurs

before the Trip Interruption Coverage Period begins or after it ends.

. 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.

. Causes not covered

• No beneit will be payable with respect to interruption of a Covered

Trip for any reason other than those listed under Covered Causes for

Interruption.

. Frequent lyer plan rewards units

• Under no circumstance will any beneit be payable in connection with

the value of frequent lyer plan rewards units that have been lost or

wasted.

7. Unused Return Travel

• Under no circumstance will Trip Interruption Beneits include the cost

of prepaid unused return travel.

SECTION 8 – LIMITATIONS AND EXCLUSIONS:

WHAT YOUR INSURANCE DOES NOT COVER

imitations and exclusions that apply to a particular beneit are found

above, in the description of those beneits. In addition, for all beneits, this

Certiicate 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 beneit section for details. In addition:

1. No beneit 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 inlicted injuries

• intentionally inlicted injuries, suicide or attempted suicide, while

either sane or insane;

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;

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 certiied 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

certiicate 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 beneit in question began.

2. Dependent Child not travelling with You or Your Spouse

No beneit 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 Certiicate, 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 1 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.

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.

nly 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 1 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

conirm that the costs of Eligible Expenses were charged in full 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 certiicate, Physician’s written

statement or death certiicate, 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 24 hours a day,

7 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 beneits, the Insured Person can call the

Administrator at: 18663741129 or at (416)9774425

Monday – Friday 8 a.m. – 8 p.m. Eastern Time

SECTION 12 – GENERAL CONDITIONS

nless this Certiicate 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 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 irst, and this insurance policy will be the last to

pay. The total beneits payable under all Your insurance, including this

Certiicate, cannot be more than the actual expenses for a claim. If an

Insured Person is also insured under any other insurance Certiicate or

policy, We will coordinate payment of beneits 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 (fo

r 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 beneits of this coverage, nor to the payment of any claim under the

Group Policies.

Group Policies

All beneits under this Certiicate are subject in every respect to the Group

Policies which alone constitute the agreements under which beneits 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 Certiicate. The Group Policies are on ile at

the ofice of the Bank.

FLIGHT/TRIP DELAY INSURANCE

Provided by:

TD Home and Auto Insurance Company

320 Front Street West, 3rd Floor

Toronto, ON M5V 3B6

The Coverage Certiicate below applies to the TD Business Travel Visa Card

which will be referred to as a “TD Credit Card Account” throughout the

Certiicate:

Coverage Certiicate

TD Home and Auto Insurance Company (“TDH&A”) provides the insurance

for this Certiicate under Master Policy No. TGV010 (the “Policy”) issued to

The Toronto-Dominion Bank. Claims administration and adjudication

services are provided by GlobalExcel Management Inc.

This Certiicate contains a clause which may limit the amount payable.

Words in italics in this Certiicate are deined in Section 1.

SECTION 1 – DEFINITIONS

ccount means Your TD Credit Card Account accessed using Your

TDCredit Card or TD Visa Cheque

Account Holder means the person who was issued, a TD Credit Card,

whose name is on the Account and who is a resident of Canada. The

Account Holder may be referred to herein using “You” and “Your”.

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. Common Carrier is

extended to include any Airline having a Charter Air Carrier’s License or its

equivalent, provided it maintains regularly scheduled lights and publishes

timetables and fares consistent with Scheduled Airline practices and

provided the aircraft is limited to ixed-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 Rewards

Points earned on Your TD Rewards Program. If Your TD Rewards 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 22 and unmarried, who are primarily dependent

upon the Account Holder for maintenance and support. Dependent

Children also means children beyond the age of 22 and unmarried, who

are permanently, mentally and physically challenged and incapable of

self-support. Also included in the deinition of Dependent Children are the

Account Holder’s Dependent Children under the age of 26 and unmarried,

who are classiied as full-time students at an institution of higher learning.

Insured Person means the Account Holder, as well as the Account Holder’s

Spouse and Dependent Children whose name is on a Common Carrier

ticket.

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 1 year and is

publicly represented as the Account Holder’s partner.

SECTION 2 – $500 FLIGHT/TRIP DELAY COVERAGE

In the event that a departure of a Common Carrier on a Covered Trip on

which the Insured Person had arranged to travel is delayed for 4 hours from

the time speciied in the itinerary supplied to the Insured Person, TDH&A will

pay up to $500 for reasonable expenses for meals and accommodation

while delayed and reasonable additional ground transportation expenses.

Beneits payable are subject to the following:

1) Delay of a Common Carrier is caused by inclement weather which

means any severe weather condition that delays the scheduled arrival or

departure of a Common Carrier; or

2) Delay caused by equipment failure of a Common Carrier, which means

any sudden, unforeseen breakdown in the Common Carrier’s equipment

that delays the scheduled arrival or departure of a Common Carrier; or

3) Delay due to an unforeseen strike or other job action by employees of a

Common Carrier, which means any labour disagreement that delays the

scheduled arrival or departure of a Common Carrier.

This coverage for Flight/Trip Delay does not include any loss caused

directly and/or indirectly due to:

An event which was made public or known to the Insured Person prior to

the date the trip was booked;

2) Laws, regulations or orders issued or made by any government or Public

Authority;

3) Strikes or labor disputes that existed or of which advanced warning had

been given prior to the date the Covered Trip was booked;

4) Cancellation due to the withdrawal from service temporarily or

permanently of any Common Carrier on the orders or recommendations

of any Port Authority or the Aviation Agency of any similar body in any

country; or

5) A bomb search or bomb threat.

The Flight/Trip Delay beneit is excess over any other insurance or

indemnity (including any reimbursements by the

Common Carrier) available to the Insured Person.

SECTION 3 – CLAIMS

If You have incurred a claim covered under the Flight/Trip Delay Insurance

Plan, You must give notice by contacting Our Administrator within 45 days

from the date of the occurrence of the delay.

To report Your claim, please call

18663741129 (toll-free) or +14169774425.

In the event of a claim covered under the Flight/Trip Delay Insurance Plan,

a loss report will be mailed to the Insured Person. You should complete it in

full and return it within 90 days from the date of occurrence of the delay.

The loss report shall include but may not be limited to:

• a copy of the Common Carrier ticket;

• a copy of the Account charge receipt or TD Credit Card statement for

the cost of the Common Carrier and/or proof of redemption;

• itemized receipts for actual expenses incurred for essential items and

other expenses incurred as a result of Your Flight/Trip Delay;

• written statement from the Common Carrier conirming the date and

time of the Common Carrier delay;

• reason or circumstances surrounding the delay; and

• any other information reasonably required by Our Administrator.

SECTION 4 – INDIVIDUAL TERMINATION OF INSURANCE

The insurance coverage of any Insured Person shall terminate on the

earliest of the following:

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.

ECTION 5 – 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 conlict

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.

Master Policy: This Certiicate is a description of coverage provided by

Policy No. TGV010 issued to TheToronto-Dominion Bank. All terms and

conditions of the Policy govern. In no event does possession of multiple

certiicates or TD Credit Card Accounts entitle an Insured Person to beneits

in excess of those described herein.

COMMON CARRIER TRAVEL ACCIDENT INSURANCE

Provided by:

TD Life Insurance Company

320 Front Street West, 3rd Floor

Toronto, ON M5V 3B6

The Coverage Certiicate below applies to the TD Business Travel Visa*

Card which will be referred to as a “TD Credit Card Account” throughout

the Certiicate:

Coverage Certiicate

TD Life Insurance Company (“TD Life”) provides the insurance for this

Certiicate under Master Policy No.TGV009 (the“Policy”) issued to

TheToronto-Dominion Bank. Claims administration and adjudication

services are provided by GlobalExcel Management Inc.

This Certiicate contains a clause which may limit the amount payable.

Words in italics in this Certiicate are deined in Section 1.

Section 1 – Deinitions

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 person who was issued, a TD Credit Card,

whose name is on the Account and who is a resident of Canada. The

Account Holder may be referred to herein using “You” and “Your”.

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 beneits 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

be delayed or rerouted, such that the carrier is required to arrange alternate

transportation for its passengers, the deinition of Common 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 lights and publishes timetables and fares consistent with

cheduled Airline practices and provided the aircraft is limited to ixed-wing

rbo-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 Rewards

Points earned on Your TD Rewards Program. If Your TD Rewards 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 21 and unmarried, who are primarily dependent

upon the Account Holder for maintenance and support. Dependent

Children also means children beyond the age of 21 and unmarried, who are

permanently, mentally and physically challenged and incapable of

self-support. Also included in the deinition of Dependent Children are the

Account Holder’s Dependent Children under the age of 25 and unmarried,

who are classiied as full-time students at an institution of higher learning.

Immediate Family Member means the Spouse, parents, grandparents,

children age 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.

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 Our Administrator, to be of continuous and indeinite

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 qualiied, or could be qualiied, by

reason of education, training, experience, or skill.

The Permanent Total Disability must have existed for 12 consecutive months.

(Note: Permanent Total Disability beneits are not available to Dependent

Children.)

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 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.

pouse 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

Beneits will be paid as speciied in the Schedule of Beneits 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

Beneits will be paid as speciied in the Schedule of Beneits 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 Rewards Points earned under your

TDRewards Points program. If your TD Rewards Points have only

artially paid for the cost of your Rental Car, the balance of that cost

must be fully charged to Your Account; and

(b) there has been no violation of the rental agreement by the Account

Holder; and

inluence of any narcotic unless prescribed by a licensed physician.

The maximum beneit payable for any one Rental Car Accident is

$2,000,000 in total.

Section 4 – Schedule of Beneits and Important Conditions

If an Insured Person has multiple Losses as the result of one accident, only

the single largest beneit amount applicable to the Loss suffered is payable.

The following beneits are provided if the Loss occurs as a result of an

accident within 1 year from the date of the accident:

A. Accidental Death or Dismemberment, Loss of Sight, Speech or

Hearing and Paralysis Beneits

Accidental Loss of Beneit 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 4ingers of the same hand or 3 ingers

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 1 eye;

and with reference to thumb and index inger means complete severance

through or above the knuckle joints of the thumb and index inger.

“Lo

ss” 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

12consecutive months.

B. Permanent Total Disability and Coma Beneits

Loss Beneit Amount

Permanent Total Disability $500,000

Coma $500,000

(i) Permanent Total Disability beneits are available only to You and Your

Spouse. Beneit amount (less any amount paid under Sections 4(A) and

(B)) is payable if an Insured Person sustains Permanent Total Disability

within 365days after the date of the accident and the Permanent Total

Disability continues for 12 consecutive months.

(ii) Coma beneits are available only to your Dependent Child(ren). An

elimination period of 31 days applies, which commences on the date the

Dependent Child(ren) enter into a Coma. Coma beneits are not payable,

nor do they accrue, during an elimination period. The Coma beneit

amount is payable monthly at a rate of 1% of the beneit 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 beneit amount shown above. If the Dependent Child

dies as a result of the accident during the period for which this Coma

beneit is payable, we will pay a lump sum equal to the Dependent Child’s

loss of life beneit amount, less Coma beneit 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 Beneits

shall be paid.

(ii) If the Insured Person has not been found within 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 Beneits

Family Transportation Beneit

(i) When an Insured Person is conined 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 beneit

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 Beneit payable is $5,000 per Insured

Person who is Hospitalized as described above.

B. Repatriation Beneit

When Accidental Bodily Injuries result in a loss of life beneit 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 Beneit payable is $10,000 per loss

of life.

C. Rehabilitation Beneit

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 coninement 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 2 years from the date of the accident.

No payment will be made for ordinary living, travelling or clothing

expenses.

Section 6 – Payment of Beneits

he loss of life beneit of an Account Holder will be paid to the designated

beneiciary. This choice must be in writing and iled with Our Administrator.

All other beneit amounts for Losses suffered by the Account Holder are

paid to the Account Holder.

The loss of life beneit of a Spouse or Dependent Child will be paid to the

Account Holder, if living, otherwise to the designated beneiciary. This

choice must be in writing and iled with Our Administrator. All other beneit

amounts for Losses 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 beneiciary, or if there is no

beneiciary alive when the Insured Person dies, TDLife will pay the beneit

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-inlicted.

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.

We shall not provide any coverage or be liable to provide any indemnity or

payment or other beneit under this certiicate which would breach

economic, inancial, or trade sanctions imposed under the laws of

Canada, the European Union, the United Kingdom or any other applicable

jurisdiction.

Section 8 – Making a Claim

Written Notice of Claim must be given to Global Excel Management Inc.,

73Queen Street, Sherbrooke, Quebec J1M0C9 within 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 30 days will not invalidate or reduce any claim if notice is given as

soon as reasonably possible.

ritten Proof of Loss must be given to Our Administrator within 90days

after the date of Loss, or as soon as reasonably possible.

At the time of a claim, Our Administrator is available to assist you or your

representative in obtaining and completing the necessary claim forms. Call

18663741129.

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 conlict

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: Our Administrator has the right to

have the Insured Person examined by a physician approved by Our

Administrator, as often as reasonably necessary while a claim is pending.

Our Administrator may also have an autopsy done, unless prohibited by

law. Any examinations or autopsies that we require will be done at Our

Administrator’s expense and by a physician.

Master Policy: This Certiicate is a description of coverage provided by

Policy No. TGV009 issued to TheToronto-Dominion Bank. All terms and

conditions of the Policy govern. In no event does possession of multiple

certiicates or TD Credit Card Accounts entitle an Insured Person to beneits

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 Certiicate below applies to the TD Business Travel Visa Card

which will be referred to as a “TD Credit Card” or “Card” throughout the

Certiicate:

This Certiicate contains a clause which may limit the amount payable.

Coverage Certiicate

The terms of the Delayed and Lost Baggage Group Policy No. TDVB112008

(the “Master Policy”) issued by TD Home and Auto Insurance Company

(Insurer) to The Toronto-Dominion Bank are described in this Certiicate

and effective December 1, 2008.

Words in italics in this Certiicate are deined in Section 1.

Section 1 – Deinitions

Account(s) means Your TD Credit Card Account accessed using Your

TDCredit Card.

Account Holder means the Cardholder to whom the monthly Account

statement is issued and who is a resident of Canada. The Account Holder

may be referred herein as “You” or “Your”.

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 6 hours from the Covered Person’s time of arrival at the Final

Destination.

Checked Baggage means suitcases or other containers speciically

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 not 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 a

ny 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 21 year

s and unmarried, or

(ii.) under the age of 25 years, unmarried and in full time attendance at

an institution of higher learning, or

(iii.) by reason of mental or physical inirmity, 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.

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 Rewards Points earned under Your TD 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

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 beneits 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 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 96 hours after arriving at the Final Destination 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 Notiication

If You have incurred a claim covered under the Delayed/Lost Baggage

Plan, You must give notice by contacting the Administrator within 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8663741129 or +14169774425

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 t

he 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 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 conirming all of the

following speciics:

• 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.

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.

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

beneits of this protection nor to the payment of any claim made under the

Policy.

Master Policy

This Certiicate is not a policy of insurance. In the event of any conlict

between this description of coverage and the Policy, the terms and

conditions of the Policy will govern. In no event does possession of multiple

certiicates or TDCredit Card Accounts entitle a Covered Person to beneits

in excess of this stated herein for any one loss sustained.

EMERGENCY TRAVEL ASSISTANCE SERVICES

Provided by Our Administrator under a service agreement with

TDLife Insurance Company.

This is not an insurance beneit but assistance services only.

Our Administrator:

Global Excel Management Inc.

73 Queen Street

Sherbrooke, QC J1M 0C9

The service below applies to the TD Business Travel Visa Card which will be

referred to as a “TD Credit Card”:

Important Note

The following describes assistance services only, not insurance beneits.

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

edical professionals including physicians experienced in emergency

medical assistance.

For Emergency Assistance 24 hours a Day:

In Canada and U.S.A. Call 18008718334

In Other Countries Call Collect 4169778297

1 – M

edical Assistance Services

Medical Referrals

f 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

ur 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.

edical Transportation

hen 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 qualiied medical accompaniment, if

necessary.

Neither The Toronto-Dominion Bank, TD Life Insurance Company or any

other 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

r Administrator can assist you to post bail and pay legal fees, if necessary.

mergency Cash Transfer

In t

he event of theft, loss or emergency, Our Administrator can assist you to

obtain cash which will be charged to your TD Credit Card.

ost Document and Ticket Replacement

In t

he event of theft or loss, Our Administrator can assist you to replace the

necessary travel documents or tickets.

ost Luggage Assistance

In t

he event of theft or loss, Our Administrator can assist you to locate or

replace luggage and personal effects.

TD Business Travel Visa Cardholders are also eligible for Delayed and Lost

Baggage Insurance; however, this coverage is entirely separate from Our

Administrator services (see your Coverage Certiicate in this Document for

details).

ranslation Services

ur 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

320 Front Street West, 3

Floor

Toronto, ON M5V 3B6

The coverage Certiicate below applies to the TD Business Travel Visa Card

which will be referred to as a “TD Credit Card” throughout the Certiicate.

This Certiicate contains a clause which may limit the amount payable.

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 Certiicate

lease read this certiicate 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 certiicate 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 certiicate as the “Company”) provides the insurance for

this certiicate under Policy No. TDV092010 (referred to in this certiicate

as the “Policy”).

This certiicate is not a contract of insurance. It contains only a summary

of the principal provisions of thePolicy.

All beneits 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 modiied at the option of the

card issuer or the Company with at least 30 days written notice to the

Cardholder.

To help You understand this document, some key words have been deined

below:

Account means the account which TD maintains for the TD Credit Card.

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 leet of cars parked in a convenient location.

Cardholder means the person whose name is embossed on the TD Credit

Card or who is an authorized user of the Card 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

identiied to the Rental 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.

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 Account Holder 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

certiicate 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 inancial 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

Card or who is an authorized user of the 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 irst rental will be eligible for these beneits.

• The length of time You rent the same vehicle or vehicles must not

exceed 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

48consecutive days, coverage will not be provided from the irst day

onwards, i.e. coverage will not be provided for either the irst

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.

• 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 48 hours of the damage/loss

occurring by calling 1-866-374-1129 (when in Canada or the United

States) or, call collect +1-416-977-4425.

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

48 consecutive days. If You rent the same vehicle or vehicles for more than

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 inluence of

any narcotic;

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 deined, may operate the rental vehicle;

(b) the rental vehicle may be driven on publicly maintained gravel

roads;

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 are adequately insured privately for

third party liability.

8. seizure or destruction under a quarantine or customs regulations or

coniscated 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 deined provided that:

1. Your Card Account privileges have not been terminated or suspended,

and/or

2. Your Card Account is not more than 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 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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 Rewards Program

are used to pay for the rental. However, if only a partial payment is

paid using the TD 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 48 consecutive days, or Your rental

period is extended for more than 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 dificult.)

G. Types of Vehicles Covered

The types of rental vehicles covered include:

All cars, sport utility vehicles, and Mini-Vans (deined as vans made by an

automobile manufacturer and classiied by the manufacturer or a

government authority as Mini-Vans made to transport a maximum of

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

reconigured into a pick-up truck;

3. limousines;

4. off-road vehicles – meaning any vehicle used on roads that are not

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 $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 inished

or has a limited production of under 2,500 vehicles per year;

12. antique vehicles, meaning a vehicle over 20 years old or which has

not been manufactured for 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 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 dificulties,

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 48 hours of the damage/theft having occurred. Your claim

must be submitted with as much documentation, requested below, as

possible within 45 days of discovering the loss/damage. You will need

to provide all documentation within 90 days of the date of damage or

theft to the claims Administrator.

• 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 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 ile will be opened and will

remain open for 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 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 beneits of this protection, nor to the payment of

any claim made under this Policy.

H. LEGAL ACTION

Legal Action Limitation Period

very 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, ind out if You are required to provide a deposit if

You wish to decline the Rental Agency’s CDW. If possible, select a Rental

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 dificulty 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 certiicate 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, 3

Floor

Toronto, ON M5V 3B6

The Coverage Certiicate below applies to the TD Business Travel Visa Card

which will be referred to as a “TD Credit Card” throughout the Certiicate:

This Certiicate contains a clause which may limit the amount payable.

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.

Coverage Certiicate

The terms of the TD Credit Card Purchase Security and Extended Warranty

Protection Group Policy No.TDVP112008 (the “Master Policy”) issued by

TDHome and Auto Insurance Company (“Insurer”) to

The Toronto-Dominion Bank are described in this Certiicate and are

effective as of January 19, 2009.

Words in italics in this Certiicate are deined in Section 1.

Section 1 – Deinitions

Account(s) means Your TD Credit Card Account accessed using Your

TDCredit Card or TD Visa Cheque.

Account Holder means the Cardholder to whom the monthly Account

statement is issued and who is a resident of Canada. The Account Holder

may be referred herein as “You” or “Your”.

Administrator means the service provider arranged by the Insurer to

provide claims payment and administrative services under the Policy.

Insured Item mea

ns a new item of property (a pair or set being one item)

for 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

n 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.

Purchase Price means the actual cost to the Account Holder of the

Insured Item, including any applicable sales tax.

Section 2 – What are the Insurance Beneits

(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. This protection is provided

at no additional cost.

(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 ive years or

less.) Manufacturer’s Warranties greater than ive years are covered if

registered with the Administrator within the irst year after purchase of

the item.

(ii) To register an Insured Item with a warranty greater than 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.

his protection is provided at no additional cost.

Section 3 – Policy Limits

There is a maximum aggregate lifetime beneit per Account 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

protected 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. Subject to the exclusions,

terms and limits of liability as stated in this Certiicate, the Administrator, at

its sole option, may elect to:

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

45days following receipt of the required Loss Report; or

Pay cash for said item, not exceeding the full Purchase Price thereof paid

using the Account.

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, travellers cheques, tickets and any negotiable

instruments;

(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) items consumed in use; and

(x) services.

(b) Loss or damage resulting from the following perils are excluded from

coverage:

(i) abuse or fraud;

(ii) lood or earthquake;

(iii) war, invasion, hostilities, rebellion, insurrection, terrorism,

coniscation 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;

(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 certiicate does not cover:

(i) wear and tear, gradual reduction in operating performance,

negligence, misuse and abuse;

(ii) automobiles, motor boats, aircraft, 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;

(vi) consequential damages, including bodily injury, property damages,

economic loss, punitive or exemplary damages and legal costs are

not covered; and

(vii) 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 Notiication

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 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8663741129 or +14169774425.

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 to the Account Holder. Complete

in full and return within 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

speciied 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;

6969

– 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 e

vent that the damaged Insured Item is not r

epairable, 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 Certiicate.

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 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.

5 35826(0124)

50423394

Beneits Account Holder Only. This protection provided by the Purchase

Security and Extended Warranty Protection Plans shall inure to the beneit

of the Account Holder. No other person or entity shall have any right,

remedy or claim, legal or equitable, to the beneits.

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

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 beneits of this protection or to the payment of any claim

made under the Master Policy.