TD® Aeroplan® Visa Infinite* Cardholder Agreement and Benefit Coverages Guide

TD® Aeroplan®

Visa Infinite*

Cardholder

Agreement and

Benefit Coverages

Guide

The

TD Aeroplan Visa Infinite

Cardholder Agreement

and Benefit Coverages Guide

This document contains important

and useful information about your

TD Aeroplan Visa Ininite Card.

Please keep this document in a

secure place for future reference.

A copy of this document

is also available online at

tdcanadatrust.com

for future reference.

This document includes:

• TD Aeroplan Visa Infinite Cardholder Agreement

• Deﬁnitions ...........................................................................

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• Using the Account 2

• Unauthorized Transactions 3

• Credit Limit and Overlimit 3

• Minimum Payment 4

• Payment Due Date 4

• Grace Period and Interest 4

• Foreign Currency Transactions 6

• Statements 6

• How We Communicate with You 7

• Lost or Stolen Cards 7

• Making Payments 7

• How We Apply Payments 8

• Our Rights if you do not Follow this Agreement 8

• Payments and Credits 9

• Ownership of Card 9

• Responsibility for Services 9

• Electronic Services – Use and Protection of a Card,

PIN or Password 9

• Limits on our Damages 11

• Pre-Authorized Payments 11

• Cancelling Additional Cardholder Cards 11

• Changes to this Agreement and the Account 12

• Transfer of Rights 12

• Ending this Agreement..........................................................

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• Liability 12

• Headings 12

• Enforceability 12

• What Law Applies 12

• Language (For Quebec Only) 13

• Privacy Agreement 13

• NEXUS Application Fee Statement Credit 18

• If You Have a Problem or Concern 19

• Aeroplan Terms for Your TD Credit Card 19

• Travel Medical Insurance Certiﬁcate 22

• Trip Cancellation/Trip Interruption Insurance Certiﬁcate 37

• Common Carrier Travel Accident Insurance Certiﬁcate 51

• Delayed and Lost Baggage Insurance Certiﬁcate 58

• Emergency Travel Assistance Services 62

• Auto Rental Collision/Loss Damage Insurance Certiﬁcate 64

• Purchase Security and Extended Warranty Protection 72

• Flight/Trip Delay Insurance 78

• Mobile Device Insurance 81

• Hotel/Motel Burglary Insurance 89

This Cardholder Agreement is between you and The Toronto-Dominion Bank

(the Bank, we, us or our). It applies to the Card and the Account

including when you use the Card or Account.

When you sign, activate or use the Card or the Account, it means that you

have received and read both this Cardholder Agreement and the Disclosure

Statement that together form the Agreement between you and the Bank.

We may send you changes or replacements for this Agreement from time

to time. This Agreement replaces any previous Agreement between you

and the Bank.

1. DEFINITIONS

What these key words mean in this Agreement:

Account means the credit card account we open and maintain for the Card.

Additional Cardholder means a person that we issue a Card to at the

request of the Primary Cardholder.

Agreement means this Cardholder Agreement and the Disclosure

Statement for the Account.

Available Credit means the amount of credit that is available to you

at any time on the Account. It is the positive difference between the

Credit Limit and the Balance that is owed on the Account.

Balance means the total amount of all Transactions, fees, interest and

other amounts charged to the Account under this Agreement, less any

payments or other credits posted to your Account.

Balance Transfer means a Transaction where you request us to

transfer any balance that is owed on another credit card account to the

Account. The other credit card account cannot be an account with the

Bank. A Balance Transfer is treated as a Cash Advance. We may offer you

a promotional interest rate on a Balance Transfer, but if we do not, then

the annual interest rate that applies on the Account for Cash Advances

applies to that Balance Transfer. If you accept a promotional offer on a

Balance Transfer, this Agreement will continue to apply to that Balance

Transfer and any additional terms we set out in the promotional offer will

also apply to that Balance Transfer.

Card means the credit card for the Account that we issue to you or any

renewal or replacement of that credit card.

Cardholder means the Primary Cardholder and any Additional

Cardholder.

Cash Advance means a Transaction where you withdraw cash from the

Account including through:

• any device such as an automated teller machine (ATM), phone,

online or mobile device;

• our branches and at other financial institutions;

• a Balance Transfer;

• a TD Visa Cheque; or

• a Cash-Like Transaction.

Cash-Like Transaction means a Transaction to purchase items that

are similar to and can be converted into cash. Cash-Like Transactions

include casino gaming chips, money orders, wire transfers, travellers

cheques and gaming transactions (including betting, off-track betting and

race track wagers).

Disclosure Statement means the document that we provide to you

with the Card that discloses information about the Card and the Account,

additional to what is in the Cardholder Agreement, including interest rates

and fees.

Payment Due Date means the date on which your payment is due as

shown on the statement for the Account.

Primary Cardholder means the person who applied for a Card, whose

name is on the Account and who a Card is issued to.

Purchase means any Transaction other than a Cash Advance.

TD Visa Cheque means a credit card cheque we may issue to you,

with your consent, that you can use to: (i) pay for goods and services

with your Card; or (ii) transfer any balance on another credit card account

to this Account. The other credit card cannot be an account you have with

the Bank. We may offer you a promotional interest rate on your TD Visa

Cheque, but if we do not, then the annual interest rate that applies on the

Account for Cash Advances applies to your TD Visa C heque. If you accept a

promotional offer on a TD Visa C heque, this Agreement will continue to

apply to that TD Visa C heque and any additional terms we set out in the

promotional offer will also apply to that TD Visa Cheque.

Transaction means any use of a Card or the Account to purchase goods

or services or make any other charges to the Account including a Purchase

or Cash Advance.

You or your means each Cardholder or an Additional Cardholder.

2. USING THE ACCOUNT

You may use the Account for:

• Purchases;

• Cash Advances;

• Access to your other accounts at the Bank or our affiliates; and

• Any other purpose that we agree to.

The Primary Cardholder is responsible for and must pay us the Balance on

the Account. If you want another Cardholder or any other person to repay

you for any amount paid or owing on the Account, it is your responsibility,

not the Bank’s, to make the appropriate arrangements with that

Cardholder or other person.

You must not allow any person other than a Cardholder to use the

Account. If a Cardholder lets someone else use the Account or a Card, you

are still responsible for any use of the Account or a Card, even if a

Cardholder wanted to limit that use.

We can let any Cardholder give us instructions for the Account without the

approval of or notice to the other Cardholders. The Primary Cardholder can

request us to issue a Card to any person without notice to any other

person. We may limit the number of Cards issued on the Account.

When you pay for goods and services using your Card number without

using your Card or entering your PIN (for example by mail, telephone,

Internet, mobile or any other electronic method), we will treat that use

the same as if you had shown your Card.

You may not use the Card before the valid from date or after the expiry

date shown on the Card. However, if any amounts are charged to the

Account before the valid from date or after the expiry date, the Primary

Cardholder is responsible for, and must pay us those amounts.

We can stop providing TD Visa Cheques at any time. We can also refuse

to process any TD Visa Cheque. We do not allow stop payments on

TDVisa Cheques.

If you use the Card outside of Canada to withdraw cash from the Bank or

with our affiliates, the withdrawal may be treated as a Cash Advance

from the Account, rather than a cash withdrawal from your other account

because of certain limitations in some countries.

You agree not to use the Card or the Account for anything illegal or

fraudulent.

We may block use of the Card or the Account without telling you in

advance if we suspect illegal, unauthorized or fraudulent use of the

Account. This includes transactions relating to Internet gambling or where

we have any other reasonable grounds to do so.

You agree you will use the Card or the Account for personal, family or

household purposes and not for business purposes.

You should be aware that under U.S. Office of Foreign Asset Control

(OFAC) regulations, customers who are U.S. Citizens are subject to

regulations that limit the use of their Cards in certain jurisdictions

sanctioned by OFAC, and that similar regulations may exist in other

jurisdictions that apply to their citizens.

3. UNAUTHORIZED TRANSACTIONS

You are not responsible for unauthorized Transactions. A Transaction is

considered an “unauthorized Transaction” if we complete an investigation

and determine that:

• The Account was used by someone other than you;

• You did not receive any benefit from the Transaction;

• You co-operated fully with us in our investigation; and

• You followed your responsibilities under this Agreement, including

in these sections:

(i) “Unauthorized Transactions”,

(ii) “Using the Account”,

(iii) “Electronic Services – Use and Protection of a

Card, PIN or Password”, and

(iv) “Lost or Stolen Cards”.

You are also not responsible for any Transactions made on the Account

that occur after you promptly tell us that a Card has been lost or stolen

because we will also consider them unauthorized Transactions.

4. CREDIT LIMIT AND OVERLIMIT

The initial Credit Limit (the “Credit Limit”) is on the Disclosure Statement.

We may lower the Credit Limit at any time without telling you in advance.

We will not increase the Credit Limit unless we first obtain the express

consent of the Primary Cardholder to do so. We display the Available

Credit on the statement. Your Available Credit may not be up to date at all

times, including if a payment or other Transaction has not yet been

processed or posted to the Account. Some merchants may pre-authorize

the amount or estimated amount of a Purchase and that will reduce the

Available Credit.

While we establish a Credit Limit on your Account, as a TD Visa Infinite or

TD Visa Infinite Privilege Cardholder, we may allow the amount owing on

your Account to exceed the Credit Limit for individual Purchases. Before

doing so, however, those individual Purchases are evaluated by us, based

on factors such as suspected fraud, your Account history, credit and/or

payment history.

We may also allow the amount owing on your Account to exceed the

Credit Limit for other Transactions. While we can allow any Transaction to

exceed the Credit Limit without telling you first, we are not required to do

so even if we have done so before.

If we allow any Transaction to exceed your Credit Limit, then you must

pay the Minimum Payment required, plus the amount of the Balance that

exceeds the Credit Limit, on or before the Payment Due Date on your

monthly statement.

The Account may be charged an overlimit fee, as showing in the

Disclosure Statement. Only one overlimit fee is charged per statement

period. The Primary Cardholder remains liable for the entire Balance

owing on the Account, whether or not it exceeds the Credit Limit.

5. MINIMUM PAYMENT

You must pay at least the Minimum Payment shown on your statement

on or before each Payment Due Date. We calculate the minimum

payment as described in the Disclosure Statement.

6. PAYMENT DUE DATE

The Payment Due Date is shown on your statement. It is always at least

21 days from your Statement Date. This time period may extend

depending on your payment activity. For example, if we do not receive

payment of the Balance shown on your statement on or before the

Payment Due Date, the Payment Due Date on your next statement will be

25 days after your Statement Date. Any interest still applies

during this period. When we receive payment in full of your Balance

on or before the Payment Due Date, the number of days between the

Statement Date and the Payment Due Date on your next statement will

revert back to your standard Grace Period (the Grace Period is defined

below). If the Payment Due Date falls on a Saturday, Sunday or holiday in

Canada, we will extend the Payment Due Date to the following business

day. Any interest still applies during this period.

7. GRACE PERIOD AND INTEREST

Grace Period

The grace period starts on the day after your Statement Date and ends on

your Payment Due Date (“Grace Period”). You have a Grace Period of

at least 21 days to make your payment.



Interest-Free Grace Period on New Purchases and Fees

We will not charge interest on new Purchases and fees that appear for the

first time on your statement (“New Purchases”) as long as we receive

payment of the Balance shown on your statement on or before your

Payment Due Date. If you pay an amount that is less than your Balance

shown on your statement, then we will charge interest on those New

Purchases starting from their transaction date until the amount of those

New Purchases is paid in full.

This interest-free Grace Period does not apply to Cash Advances. We

charge interest on Cash Advances as described in the “Interest on

Cash Advances including Balance Transfers, Cash-Like

Transactions and TD Visa Cheques” section.

How We Calculate and Charge Interest

Interest is calculated at the applicable annual interest rate(s), as initially

shown in the Disclosure Statement.

If interest applies, we calculate interest as follows:

• add the amount you owe each day in each Transaction category

(for example, the amount of Purchases or Cash Advances) and

divide that total by the number of days in your statement period

(usually 30 or 31). This is your average daily balance for the

amount you owe in each Transaction category (the “Average

Daily Balance”).

• multiply the Average Daily Balance by the daily interest rate(s)

that applies (the daily interest rate(s) is equal to the annual

interest rate(s) divided by 365 (or 366 in a leap year)); then

multiply the result by the number of days in your statement period.

The total is the amount of interest we charge on each statement on the

last day of your statement period.

If different daily interest rate(s) apply to the Average Daily Balance, we

use the different daily interest rate(s) in our calculation (for example, a

promotional interest rate Balance Transfer will use a different daily

interest rate than your regular Purchases).

If interest is charged, it is calculated on the average daily balance of each

Transaction from the transaction date until that amount has been paid in full.

We add your unpaid interest charge to your balance at the end of each

statement period. As a result, we charge interest on unpaid interest.

If your Minimum Payment is not received on or before the

Payment Due Date shown on your statement and before the

date on which we prepare your next monthly statement

twice within 12 consecutive statement periods, then:

a) The annual interest rate(s) that applies to the Account

will increase to the rate set out in your Disclosure

Statement; and

b) You will lose the benefit of any lower rate promotional

offer on the Account (including any offer made but not

yet accepted by you).

The increased rate(s) will apply starting on the first day of

your next statement period after the second missed payment.

You will continue to pay these higher interest rate(s) until

you have paid the Minimum Payment on or before the

Payment Due Date shown on your statement and before the

date on which we prepare your next monthly statement

for 12 consecutive statement periods. The interest rates

will then decrease to your annual interest rates applicable

to your account on the first day of your next statement

period after those 12 consecutive statement periods.

Interest on Cash Advances including Balance Transfers,

Cash-Like Transactions and TD Visa Cheques

We always charge interest on Cash Advances from the transaction date of

the Cash Advance until the amount of the Cash Advance is paid in full.

When you transfer funds from the Account through a Balance Transfer,

obtain a Cash-Like Transaction or use a TD Visa Cheque, we treat that

Transaction as a Cash Advance. If you are uncertain whether a Transaction

will be treated as a Cash Advance, please call us at 1-800-983-8472 or

collect at (416) 307-7722.

8. FOREIGN CURRENCY TRANSACTIONS

If you use the Account to make Purchases or obtain Cash Advances in U.S.

Dollars, Euros, Great British Pounds, Australian Dollars, or Mexican Pesos,

the foreign currency will be converted directly to Canadian Dollars before

it is recorded in the Account. If you use the Account to make Purchases or

obtain Cash Advances in any other foreign currency, the currency will be first

converted to U.S. Dollars and then to Canadian Dollars before it is recorded

in the Account. Credits to the Account involving a foreign currency will also

be converted directly to Canadian Dollars, or first to U.S. Dollars and then to

Canadian Dollars, depending on the foreign currency involved as set out above.

For debit Transactions, currency will be converted by applying a rate

established by VISA plus a fixed percentage as shown in the Disclosure

Statement. For credit Transactions, currency will be converted by applying

a rate established by VISA minus a fixed percentage as shown in the

Disclosure Statement. As a result, for credit Transactions made in respect

of prior, related debit Transactions, the Canadian Dollar amount credited

to the Account will in most cases be less than the Canadian Dollar amount

that was originally debited to the Account. The rate that is used will be

the rate on the date that a Transaction is recorded in the Account and may

be different from the rate in effect on the date of the Transaction.

When we convert a Transaction, in some cases it will appear on your

statement displaying only the first five decimal places after the decimal

point, even though we used the more detailed calculation above.

9. STATEMENTS

We provide a statement if there is any activity on the Account during the

last month or there is any outstanding Balance. However, if during any

three-month period, there is an outstanding credit Balance on the Account

that is less than $10 and there has been no activity on the Account during

that three-month period, we may provide a statement only at the end of

that three-month period. We do not always provide statements on the

same date in each month, therefore the Payment Due Date on your

statement may not always be the same.

You must immediately review each statement and tell us about any

errors. We will investigate errors that you tell us about within 30 days of

the statement date.

If you do not tell us about errors within 30 days of the statement date,

we will consider the statement , every item on it and our records to be

correct (except for any amount that has been credited to the Account in

error). This means that you may not make any claim against us after that

30-day period.

10. HOW WE COMMUNICATE WITH YOU

We will send statements and other communications by ordinary mail to

the address in our records for the Primary Cardholder. With the Primary

Cardholder’s consent, and if we agree to do so, we may also send

statements and other communications by another method, including

electronically. We may also send copies of the statements and other

communications to an Additional Cardholder if requested to do so or

required by law. The Primary Cardholder and each Additional Cardholder

agrees that we can share the statement, any information on the

statement or other communications or information about the Account with

any Cardholder without telling the other Cardholders. We consider

communication to the Primary Cardholder as communication to all

Cardholders.

You must tell us immediately about any address change or other

information to keep our records current. We are not responsible if the

Primary Cardholder does not receive a statement or other communication

if we send it to the address or other contact information we have in our

records. For our mutual protection, we may record telephone calls that

relate to the Account.

If there is fraud or potential fraud on the Account, we may send you

communications by telephone, mail, email, SMS text message or any

other electronic communication method.

11. LOST OR STOLEN CARDS

You must tell us immediately by telephone or in writing if you know or

suspect that a Card is lost or stolen, or if you know or suspect that your

Card or the Account is being used without your authority. Our toll free

number is 1-800-983-8472, or collect at (416) 307-7722. Once you have

told us that your Card or Account is lost, stolen or used without your

authority, we will be able to prevent use of that Card and the

Accountnumber.

12. MAKING PAYMENTS

We must receive payment on or before each Payment Due Date shown on

the statement. Payments to the Account can be made at any time.

Payments made by mail or at the branch, ATM or online banking service

of another financial institution may take several days to reach us. You are

responsible to make sure that your payment is received by us on or before

the Payment Due Date. If a payment is made during our normal business

hours we treat it as made on the same day, otherwise we will treat the

payment as received by us on the next business day.

13. HOW WE APPLY PAYMENTS

We will apply payments on the Account first towards your Minimum

Payment in the following order:

1) first to any interest that appears on your statement;

2) second to any fees that appear on your statement;

3) third to any Transactions that appear on your statement, including

any amount that exceeds your Credit Limit or any past due amounts;

4) fourth to any fees and other Transactions that do not yet appear

on your statement.

In any of the above categories 1 to 4, the amounts with the lowest

interest rate(s) are paid first before those with higher interest rate(s).

If you pay more than your Minimum Payment, once we have applied the

payment to the Minimum Payment, we will then apply any excess

amount to the remaining Balance on your statement, as follows:

(i) All items that have the same interest rate(s) will be placed into

the same category. For example, if your Balance is made up of

Purchases and promotional Balance Transfers, then all items at

your regular interest rate for Purchases are placed in one category

and all promotional Balance Transfers are placed in a different

category because of the different interest rates that applies to

each of them.

(ii) We will then apply the excess payment to the different interest

rate(s) categories in section (i) above, in the percentage (%) the

amount in each category represents to the remaining Balance. For

example, if the amount of your Purchase category represents 70%

of your remaining Balance and the amount of your promotional

Balance Transfer category represents 30% of your remaining

Balance, we apply 70% of your excess payment towards the

amount of the Purchase category and 30% of your excess

payment towards the amount of your promotional Balance

Transfer category.

If you pay more than your Balance on your statement, we apply the

excess amount of your payment to Transactions that have not yet

appeared on your statement, in the same way as we have described

above for payments to the remaining Balance.

We can apply late or partial payments that we receive without losing any

rights we have under the Agreement or by law, to collect all amounts that

are owed to us on the Account.

14. OUR RIGHTS IF YOU DO NOT FOLLOW THIS

AGREEMENT

If you do not make the minimum payment on or before the Payment Due

Date on your statement, or otherwise do not follow this Agreement, or if

anything occurs which causes us to believe that you will be unable to

make a payment or otherwise not be able to follow this Agreement:

a) we may require you to pay the entire Balance on the Account

immediately, plus interest on that Balance at the annual interest

rate(s) on the Account at that time;

b) we may, without notice, deduct money from any other account

that you have with us or any of our affiliates which would include

any member of the TD Bank Group, and use it to pay the amount

that is owing to us; and

c) you must pay all our legal expenses on a solicitor and own client

basis (including legal fees of our internal counsel) for attempting

to collect what is owing to us).

15. PAYMENTS AND CREDITS

If we owe you any amount on the Account (a “credit Balance”) we will

not pay you interest on that credit Balance. A credit Balance will not be

insured as a deposit. A credit Balance on the Account will not increase

your Available Credit or Credit Limit.

We are not responsible if you cannot access funds from the Account or a

credit Balance. You must not deposit a cheque or other item to the

Account to obtain a Cash Advance or otherwise use the Account if you

have any reason to believe that the cheque or other item will not clear.

16. OWNERSHIP OF CARD

The Card is our property. We can cancel or take the Card back or require

you to return the Card to us at any time.

17. RESPONSIBILITY FOR SERVICES

If you have any problems with Purchases on the Account, you must settle

them directly with the merchant. You must still pay us the full amount of

the Purchase, even if you have a dispute with the merchant.

If a merchant gives you a refund and we receive a credit voucher from the

merchant, we will credit the Account with that refund. But, if interest is

charged on a Transaction that you are disputing with the merchant, we

will not refund the interest charged. We do not treat credits from

merchants as payments.

We are not responsible for benefits, services and coverages that other

companies provide for the Account. You must pay us any amount charged

to the Account for these benefits, services and coverages. These benefits,

services and coverages have their own terms set by the companies

providing them. You must settle any disputes directly with those companies.

If we credit the Account, you agree that your rights and claims are

assigned to us and you will cooperate with us and sign any documents to

evidence that assignment before we credit the Account. However, we do

not have to credit the Account and if we do credit the Account, it does not

mean we will credit the Account in the future.

18. ELECTRONIC SERVICES – USE AND PROTECTION OF A

CARD, PIN OR PASSWORD

This section applies when you use a Card or the Account including if we

allow you to access or use the Card or the Account with a personal

identification code such as a Personal Identification Number (PIN) or

Connect ID, password, pass code or identification code or other credentials

(all together the “Password”), through a terminal, including one that

accepts contactless payment cards, or other machine such as an ATM,

telephone, the Internet, or other electronic service including a mobile device.

a) For access to or use of the Account through EasyLine

telephone

banking, EasyWeb

Online banking, mobile banking or to make

electronic bill payments – the Bank’s Financial Services Terms

applies if the Cardholder has signed a Financial Services

Agreement, or the Cardholder and Electronic Financial Services

Agreement applies if the Cardholder has not signed a Financial

Services Agreement.

b) Care and control of the Card, PIN and Password – You are responsible

for the care and control of the Card, PIN and Password. You must

maintain them safely at all times. This includes that you must:

• keep possession of the Card;

• keep your PIN and Password separate from the Card;

• keep your PIN and Password strictly confidential;

• take all reasonable precautions to make sure that no one finds

out your PIN or Password, including while you key in your PIN

or Password at an ATM or other machine or mobile device;

• avoid PIN or Password combinations that may be easily

guessed by others, such as birthdays, phone numbers, age,

social insurance number, etc.;

• make sure that each PIN or Password is unique; and

• contact us immediately if your Card is lost or stolen or your PIN

or Password becomes known to any other person other than you.

c) Your responsibility for use of the Card, PIN and Password – You

are responsible for all authorized activity or other Transactions

resulting from use of the Card or PIN or Password by any person,

including any entry error or fraudulent or worthless deposit at an

ATM or other machine or device. When you promptly tell us that

your PIN, Password or Card is lost or stolen or may have become

known to an unauthorized person, we will block the use of the

Card, PIN or device, to prevent use of your Account number. See

the “Unauthorized Transactions” section for your

responsibility for unauthorized Transactions.

d) Account activity – Our records are the final proof of use of a Card

or the Account, including electronic services. They are evidence of

your written request to perform a Transaction. Even if you are

provided with a Transaction receipt or other confirmation, through

an ATM or other machine or device, the following still applies to all

Transactions or other activity on the Account:

• our acceptance, count and verification of Transactions or

deposits is deemed correct and binding unless there is an

obvious error; and

• Transactions or other activity on the Account through an ATM

or other machine or device may be credited or debited by us to

the Account on a date determined by us. This date may be

different than the date on which you used the ATM, or other

machine or device.

e) Verified by Visa – You must register for and use the Verified by

Visa program in order to access or use the Account for Internet *

transactions with merchants participating in the Verified by Visa

program. The Verified by Visa Cardholder Terms of Services applies

when you access or use the Account for the Verified by Visa program.

19. LIMITS ON OUR DAMAGES

We are not responsible for any damages (including special, indirect or

consequential damages) from:

• any failure, error, malfunction or inaccessibility of any Card, ATM,

terminal or other machine or equipment including a mobile device, or

• if, for any reason your Card is not accepted, or you cannot use the

Account for any reason, even if we knew that damage was likely

or the damage was a result of our negligence or the negligence of

our employees, agents or representatives.

20. PRE-AUTHORIZED PAYMENTS

The Primary Cardholder is responsible for all pre-authorized payments

(PAPs) charged to the Account. This includes PAPs charged to the

Account before the Agreement is cancelled or after the Agreement ends,

or charges by any Additional Cardholder, or those that are made after an

Additional Cardholder Card has been cancelled, unless the merchant

receives a written request from you to cancel the PAP before the PAP is

charged to the Account.

You must contact a merchant in writing if you want to cancel any PAP and

then check the statement to confirm the PAP was cancelled. If the PAP

was not cancelled, we may be able to assist you if you provide us with a

copy of the written cancellation request you sent to the merchant. You

must provide merchants with adequate, correct and up-to-date

information for any PAPs, including if your Card number or Card expiry

date changes. However, if you have a PAP with a merchant and your Card

number or Card expiry date changes, you agree that we may, but we are

not required to, provide that merchant with your new Card number or Card

expiry date including by using the updating service provided to us through

your Card’s payment card network. We are not responsible if any PAPs

cannot be posted to the Account. You must settle any dispute or liability

you may have for the Transactions relating to those PAPs directly with the

merchant involved.

21. CANCELLING ADDITIONAL CARDHOLDER CARDS

We may cancel an Additional Cardholder Card, or limit access to the Account

by an Additional Cardholder Card at any time without telling you in

advance. The Primary Cardholder can also tell us to cancel any Additional

Cardholder Card. The Primary Cardholder must obtain and destroy the

Additional Cardholder Card or confirm that the Additional Cardholder Card

is in the Primary Cardholder’s possession. An Additional Cardholder may

also instruct us to cancel their own Additional Cardholder Card.

The Primary Cardholder is still responsible to pay us for any amounts

owing on the Account for Transactions by an Additional Cardholder even if

an Additional Cardholder Card is cancelled or if the Primary Cardholder is

unable to cancel, obtain or destroy the Additional Cardholder Card.

22.CHANGES TO THIS AGREEMENT AND THE ACCOUNT

We may make changes to this Agreement at any time. We will tell you

about a change in the statement or by other notice to you. We will

provide advance notice of a change if required by law and for other changes,

we will provide you with advance notice unless we are not able to do so.

Your regular annual fee, annual interest rate(s), fees and other charges for

the Account are shown on the initial Disclosure Statement. If we increase

your annual fee, annual interest rate(s), fees or any other charges for the

Account, we will provide you with advance notice of those changes.

If you sign, use or activate any Card or the Account, if your Account remains

open, or if any Balance owing on the Account remains unpaid after the change

is made, it will mean you have accepted any change to the Agreement.

Benefits, services and coverages for the Account may also change or end.

We will provide you notice of a change in your statement or in some other

way, after the change is made, unless we must provide advance notice by law.

23. TRANSFER OF RIGHTS

We may transfer, sell or otherwise assign all of our rights under this

Agreement. If we do so, we may disclose information about you and the

Account to anyone to whom we assign our rights.

24. ENDING THIS AGREEMENT

We may end this Agreement, close the Account or limit your right to

access the Account at any time without telling you in advance. The

Primary Cardholder may also end this Agreement by telling us.

Even if this Agreement is cancelled, the Primary Cardholder is still

responsible to pay all amounts owing on the Account.

When the Agreement ends, benefits, services and coverages will

automatically end, or we can cancel or change them at our discretion.

25. LIABILITY

The Primary Cardholder will be responsible for payment of all amounts

owed to us under this Agreement, including Transactions made by an

Additional Cardholder.

26. HEADINGS

The headings to each section of this Agreement are added for convenience

and do not change the meaning of any sections of this Agreement.

27. ENFORCEABILITY

If it is found by a court that any portion of this Agreement is invalid or

cannot be enforced, the remainder of the Agreement will remain valid.

28.WHAT LAW APPLIES

The laws of the province or territory in Canada where you live or where

you most recently lived and the laws of Canada apply to this Agreement.

If you have not lived in Canada, the laws of the Province of Ontario and

Canada apply to this Agreement.

29. LANGUAGE: (FOR QUEBEC ONLY)

It is the express wish of the parties that this Agreement and any directly

or indirectly related documents be drawn up in English. Les parties ont

exprimé la volonté expresse que cette convention et tous les documents

s’y rattachant directement ou indirectement soient rédigés en anglais.

30. PRIVACY AGREEMENT

In this Privacy Agreement, the words “you” and “your” mean any person,

or that person’s authorized representative, who has requested from us, or

offered to provide a guarantee for, any product, service or account offered

by us in Canada. The words “we”, “us” and “our” mean TD Bank Group

(“TD”). TD includes The Toronto-Dominion Bank and its world-wide affiliates,

which provide deposit, investment, loan, securities, trust, insurance and

other products or services. The word “Information” means personal,

financial and other details about you that you provide to us and we obtain

from others outside TD, including through the products and services you use.

You acknowledge, authorize and agree as follows:

COLLECTING AND USING YOUR INFORMATION – At the time

you request to begin a relationship with us and during the course of our

relationship, we may collect Information including:

• details about you and your background, including your name,

address, contact information, date of birth, occupation and other

identification

• records that reflect your dealings with and through us

• your preferences and activities

This Information may be collected from you and from sources within or

outside TD, including from:

• government agencies and registries, law enforcement authorities

and public records

• credit reporting agencies

• other financial or lending institutions

• organizations with whom you make arrangements, other service

providers or agents, including payment card networks

• references or other information you have provided

• persons authorized to act on your behalf under a Power of

Attorney or other legal authority

• your interactions with us, including in person, over the phone, at

the ATM, on your mobile device or through email or the Internet

• records that reflect your dealings with and through us

You authorize the collection of Information from these sources and, if

applicable, you authorize these sources to give us the Information.

We will limit the collection and use of Information to what we require in

order to serve you as our customer and to administer our business,

including to:

• verify your identity

• evaluate and process your application, accounts, transactions

and reports

• provide you with ongoing service and information related to the

products, accounts and services you hold with us

• analyze your needs and activities to help us serve you better and

develop new products and services

• help protect you and us against fraud and error

• help manage and assess our risks, operations and relationship with you

• help us collect a debt or enforce an obligation owed to us by you

• comply with applicable laws and requirements of regulators,

including self-regulatory organizations

DISCLOSING YOUR INFORMATION – We may disclose

Information, including as follows:

• with your consent

• in response to a court order, search warrant or other demand or

request, which we believe to be valid

• to meet requests for information from regulators, including

self-regulatory organizations of which we are a member or

participant, or to satisfy legal and regulatory requirements

applicable to us

• to suppliers, agents and other organizations that perform services

for you or for us, or on our behalf

• to payment card networks in order to operate or administer the

payment card system that supports the products, services or

accounts you have with us (including for any products or services

provided or made available by the payment card network as part

of your product, services or accounts with us), or for any contests

or other promotions they may make available to you

• to any Additional Cardholder for whom you request a Card

• on the death of a joint account holder with right of survivorship,

we may release any information regarding the joint account up to

the date of death to the estate representative of the deceased,

except in Quebec where the liquidator is entitled to all account

information up to and after the date of death

• when we buy a business or sell all or part of our business or when

considering those transactions

• to help us collect a debt or enforce an obligation owed to us by you

• where permitted by law

SHARING INFORMATION WITHIN TD – Within TD we may share

Information world-wide, other than health-related Information, for the

following purposes:

• to manage your total relationship within TD, including servicing

your accounts and maintaining consistent Information about you

• to manage and assess our risks and operations, including to collect

a debt owed to us by you

• to comply with legal or regulatory requirements

You may not withdraw your consent for these purposes.

Within TD we may also share Information world-wide, other than

health-related Information, to allow other businesses within TD to tell you

about products and services. In order to understand how we use your

Information for marketing purposes and how you can withdraw your

consent, refer to the Marketing Purposes section below.

ADDITIONAL COLLECTIONS, USES AND DISCLOSURES

Social Insurance Number (SIN) – If requesting products, accounts

or services that may generate interest or other investment income, we

will ask for your SIN for revenue reporting purposes. This is required by

the Income Tax Act (Canada). If we ask for your SIN for other products or

services, it is your option to provide it. When you provide us with your

SIN, we may also use it as an aid to identify you and to keep your

Information separate from that of other customers with a similar name,

including through the credit granting process. You may choose not to have

us use your SIN as an aid to identify you with credit reporting agencies.

Credit Reporting Agencies and Other Lenders – For a credit

card, line of credit, loan, mortgage or other credit facility,

merchant services, or a deposit account with overdraft

protection, hold and/or withdrawal or transaction limits,

we will exchange Information and reports about you with

credit reporting agencies and other lenders at the time of

and during the application process, and on an ongoing

basis to review and verify your creditworthiness, establish

credit and hold limits, help us collect a debt or enforce an

obligation owed to us by you, and/or manage and assess

our risks. You may choose not to have us conduct a credit check in

order to assess an application for credit. Once you have such a facility or

product with us and for a reasonable period of time afterwards, we may

from time to time disclose your Information to other lenders and credit

reporting agencies requesting such Information, which helps establish

your credit history and supports the credit granting and processing

functions in general. We may obtain Information and reports about you

from Equifax Canada Inc., Trans Union of Canada, Inc. or any other credit

reporting agency. You may access and rectify any of your personal

information contained in their files by contacting them directly through

their respective websites www.consumer.equifax.ca and

www.transunion.ca. Once you have applied for any credit product with us,

you may not withdraw your consent to this exchange of Information.

Fraud – In order to prevent, detect or suppress financial abuse, fraud,

criminal activity, protect our assets and interests, assist us with any

internal or external investigation into potentially illegal or suspicious

activity or manage, defend or settle any actual or potential loss in

connection with the foregoing, we may collect from, use and disclose your

Information to any person or organization, fraud prevention agency,

regulatory or government body, the operator of any database or registry

used to check information provided against existing information, or other

insurance companies or financial or lending institutions. For these

purposes, your Information may be pooled with data belonging to other

individuals and subject to data analytics.

Insurance – This section applies if you are applying for, requesting

prescreening for, modifying or making a claim under, or have included with

your product, service or account, an insurance product that we insure, reinsure,

administer or sell. We may collect, use, disclose and retain your Information,

including health-related Information. We may collect this Information from

you or any health care professional, medically-related facility, insurance

company, government agency, organizations who manage public information

data banks, or insurance information bureaus, including MIB Group, Inc.

and the Insurance Bureau of Canada, with knowledge of your Information.

With regard to life and health insurance, we may also obtain a personal

investigation report prepared in connection with verifying and/or

authenticating the information you provide in your application or as part

of the claims process.

With regard to home and auto insurance, we may also obtain Information

about you from credit reporting agencies at the time of, and during the

application process and on an ongoing basis to verify your

creditworthiness, perform a risk analysis and determine your premium.

We may use your Information to:

• determine your eligibility for insurance coverage

• administer your insurance and our relationship with you

• determine your insurance premium

• investigate and adjudicate your claims

• help manage and assess our risks and operations

We may share your Information with any health-care professional,

medically-related facility, insurance company, organizations who manage

public information data banks, or insurance information bureaus, including

the MIB Group, Inc. and the Insurance Bureau of Canada, to allow them

to properly answer questions when providing us with Information about

you. We may share lab results about infectious diseases with appropriate

public health authorities.

If we collect your health-related Information for the purposes described

above, it will not be shared within TD, except to the extent that a

TD company insures, reinsures, administers or sells relevant coverage and

the disclosure is required for the purposes described above. Your

Information, including health-related Information, may be shared with

administrators, service providers, reinsurers and prospective insurers and

reinsurers of our insurance operations, as well as their administrators and

service providers for these purposes.

Marketing Purposes – We may also use your Information for

marketing purposes, including to:

• tell you about other products and services that may be of interest

to you, including those offered by other businesses within TD and

third parties we select

• determine your eligibility to participate in contests, surveys or

promotions

• conduct research, analysis, modeling, and surveys to assess your

satisfaction with us as a customer, and to develop products and

services

• contact you by telephone, fax, text messaging, or other electronic

means and automatic dialing-announcing device, at the numbers you

have provided us, or by ATM, internet, mail, email and other methods

With respect to these marketing purposes, you may choose not to have us:

• contact you occasionally either by telephone, fax, text message,

ATM, internet, mail, email or all of these methods, with offers that

may be of interest to you

• contact you to participate in customer research and surveys

Telephone and Internet discussions – When speaking with one of our

telephone service representatives, internet live chat agents, or messaging

with us through social media, we may monitor and/or record our

discussions for our mutual protection, to enhance customer service and to

confirm our discussions with you.

MORE INFORMATION

This Privacy Agreement must be read together with our Privacy Code. You

acknowledge that the Privacy Code forms part of the Privacy Agreement.

For further details about this Privacy Agreement and our privacy practices,

visit www.td.com/privacy or contact us for a copy.

You acknowledge that we may amend this Privacy Agreement and our

Privacy Code from time to time. We will post the revised Privacy Agreement

and Privacy Code on our website listed above. We may also make them

available at our branches or other premises or send them to you by mail.

You acknowledge, authorize and agree to be bound by such amendments.

If you wish to opt-out or withdraw your consent at any time for any of the

opt-out choices described in this Privacy Agreement, you may do so by

contacting us at 1-866-567-8888. Please read our Privacy Code for

further details about your opt-out choices.

ADDITIONAL INFORMATION AND DISCLOSURES

FOR TD AEROPLAN CARDHOLDERS:

You acknowledge and consent to the following additional collection, use

and disclosure of Information about you.

When you complete your TD Aeroplan Credit Card Account application, you

provide us with contact information including name, mailing address,

email address, telephone number, date of birth and Aeroplan number (if

you have provided it). This contact information will be shared with

Aeroplan Inc. and Air Canada Inc. (collectively, “Air Canada”) as part of

the Aeroplan program enrollment process.

When you are approved for your credit card account, TD and Air Canada

will share Information with each other, including Information about

transactions on your Card (for example, the purchase amount, transaction

date, location and name of merchants), and your Aeroplan program

transactions and Information (for example, your Aeroplan points, earnings

or redemptions and Aeroplan status). This Information is shared for the

purposes set out in TD’s, Aeroplan’s, and Air Canada’s privacy policies,

including administering and supporting the Aeroplan program, enhancing

each of TD and Air Canada’s products and services, providing promotional

materials and offers, internal reporting and analytics, and for the

purposes set out in the Cardholder Agreement for the Account.

Air Canada will share your contact information as well as Information

about your interests and preferences, and insights about your purchasing

and travel patterns (such as whether you are a frequent or luxury traveler)

with Air Canada’s airline and travel-related affiliates. AirCanada’s

affiliates will use that Information to personalize their relationship with

you, including providing you with tailored, travel-related offers.

Information that is provided directly to Air Canada or that Air Canada

obtains about a Cardholder as a member of the Aeroplan program

(including as a potential member) is governed by Aeroplan’s Privacy Policy

at AirCanada.com/aeroplan-privacypolicy and Air Canada’s Privacy Policy

at AirCanada.com, and is not the responsibility of TD. Please refer to these

privacy policies:

• If you have any questions or would like to learn more about the

Aeroplan program’s or Air Canada’s privacy practices;

• If you no longer wish to be contacted by Aeroplan Inc., Air Canada

Inc. or its airline and travel-related affiliates about their products

and services; or

• To learn about the choices you have about Air Canada Inc.’s sharing

of your Information with its airline and travel-related affiliates.

31. NEXUS™ APPLICATION FEE STATEMENT CREDIT

NEXUS means the expedited border control program for low risk,

pre-approved travellers that is offered jointly by the Canada Border

Services Agency and the U.S. Customs and Border Protection.

Subject to the limit set out below, each Primary Cardholder and Additional

Cardholder will receive one (1) statement credit for the amount posted to

the Account, up to a maximum value of $100 CAD, for a NEXUS

application fee regardless of NEXUS application approval.

Limitations of statement credits:

To be eligible for the statement credit, the Account must be in good

standing at the time the NEXUS application fee is charged and posted on

the Account.

There is a maximum of four (4) statement credits available when a

qualifying NEXUS application fee is posted to the Account in any given

48-month period:

• The 48-month period starts when the first qualifying NEXUS

application fee is posted to the Account.

• The maximum number of eligible statement credits in the

48-month period will be equal to the number of Cardholders on

the Account when a qualifying NEXUS application fee is posted to

your Account.

The terms of the NEXUS program are established by NEXUS and not TD.

TD has no control over the NEXUS program including, but not limited to,

eligibility requirements, application approval process, enrollment,

renewals, cancellation of NEXUS program memberships, fees (including

penalties), or any changes to the terms and conditions under the NEXUS

program. For NEXUS terms and conditions, please visit

www.cbsa-asfc.gc.ca/prog/nexus/term-eng.html



32. IF YOU HAVE A PROBLEM OR CONCERN

If you have a problem or concern you may call us toll free at

1-866-222-3456, email

us at customer.service@td.com, or visit us at

any branch. For a more detailed overview of our complaint process visit us

at www.td.com

Financial Consumer Agency of Canada – If you have a complaint

regarding a potential violation of a consumer protection law, a public

commitment, or an industry code of conduct, you can contact the

Financial Consumer Agency of Canada (FCAC) in writing at 6th Floor,

Enterprise Building, 427 Laurier Ave. West, Ottawa, Ontario K1R 1B9.

The FCAC can also be contacted by telephone at 1-866-461-3222 (en

français 1-866-461-2232) or through its website at www.fcac-acfc.gc.ca

The FCAC will determine whether we are in compliance. It will not,

however, resolve individual consumer complaints.

For your protection, do not send confidential or personal information

(such as your Account number) via email, as it is not a secure method of

communication. If your request is urgent or requires disclosure of

confidential information for resolution, please phone us.

AEROPLAN TERMS FOR YOUR TD CREDIT CARD

DEFINITIONS: What the words in this section mean:

Aeroplan Member Account means the membership account held in

the name of the Primary Cardholder under the Aeroplan program and is

associated with the Account.

Aeroplan points means the points awarded through the Aeroplan

program which can be redeemed for rewards. Aeroplan points have no

monetary value.

Aeroplan program means the program that is owned and operated by

Aeroplan Inc. (Aeroplan) and associated with the Card(s) and this

Account (i.e., the Account that is maintained by TD for the Card) and it

includes all Aeroplan program privileges and benefits including

Aeroplan points.

Aeroplan Terms for Your TD Credit Card and Aeroplan Credit

Card Terms mean the terms in this section of your Cardholder

Agreement that apply to the Card(s) and this Account.

Agreement means (i) the terms of the Cardholder Agreement including

these Aeroplan Terms for Your TD Credit Card, and (ii) the applicable

terms of the Aeroplan program.

Purchase of Gas or Grocery or Air Canada Products means a

Purchase of gas or gas station services or products or a Purchase of

grocery or grocery items, including those at grocery locations, or a

Purchase from Air Canada or of any of Air Canada’s products and services,

each from a merchant classified through the Visa network with a

merchant category code (MCC) that identifies the merchant in the “gas”

or “grocery” or “Air Canada” category.

We, us, our, the Bank and TD means The Toronto-Dominion Bank.

Aeroplan program

The terms of the Aeroplan program are established by Aeroplan not the

Bank. A Cardholder should carefully read those terms because they are in

addition to these Aeroplan Credit Card Terms and form part of the

Agreement with each Cardholder.

We are not responsible for the Aeroplan program, Aeroplan points, the

terms of the Aeroplan program, including the expiry or cancellation of

Aeroplan points, the cancellation or termination of the Aeroplan program

for any reason or any changes, reductions or cancellations to the Aeroplan

program or Aeroplan points, including to rules, redemption conditions,

benefits, features or services of the Aeroplan program.

For more information about the Aeroplan program or if you have any

questions, concerns or disputes about the Aeroplan program or Aeroplan

points, please contact Aeroplan directly.

Earning Aeroplan points

Aeroplan points are earned on Purchases charged to the Account as follows:

• 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases

of Gas, Grocery or Air Canada Products (earned only on a

maximum annual amount of $80,000 of Purchases of Gas,

Grocery or Air Canada Products); or

• 1 Aeroplan point earned for each $1 on all other Purchases.

Please contact TD if you wish to confirm the MCC that applies to a

particular merchant, or if the Purchase qualifies as a Purchase of Gas,

Grocery or Air Canada Products. If you have earned Aeroplan points on the

maximum annual amount of Purchases of Gas, Grocery or Air Canada

Products charged to your Account (from January 1 to December 31) or if

your Purchase does not qualify as a Purchase of Gas, Grocery or

AirCanada Products, you will instead earn the standard rate of Aeroplan

points that applies to all other Purchases charged to the Account as

described above. The Bonus Rate is in place of and not in addition to the

standard rate of Aeroplan points earned on all other Purchases charged to

the Account.

All fees, Cash Advances (including Balance Transfers, TD Visa Cheques and

Cash-Like Transactions), interest charges, optional services, refunds,

rebates or other similar credits on the Account do not earn Aeroplan points

unless there is a special offer made by us.

Credits for refunds, returned items, rebates and other similar credits will

reduce or cancel the Aeroplan points earned by the full or partial amount

originally charged to the Account. For example, if you make a Purchase

using the Card (for example a $1,000 Purchase that is charged to the

Account) you will earn Aeroplan points on the entire amount of that

Purchase ($1,000). However, if you then return a portion of that Purchase

and receive a credit to the Account (for example a $200 credit), then we

will reduce the amount of Aeroplan points that you earned for that

Purchase and you will only earn Aeroplan points on the net amount of

that Purchase ($800).

The Account must be in good standing to earn Aeroplan points under

these Aeroplan Credit Card Terms. The Account will cease to earn Aeroplan

points if we or the Primary Cardholder ends the Agreement.

How to Redeem Aeroplan points

Aeroplan points must be redeemed through the Aeroplan program. The

terms of the Aeroplan program will apply to any Aeroplan points redeemed.

Awarding Aeroplan points

Aeroplan points earned under the Agreement (including those earned

from a Card(s) issued to any Additional Cardholder) will be awarded as

described in the Agreement to the Aeroplan Member Account.

Aeroplan points Balances

We are not responsible for the Aeroplan points balance in your Aeroplan

Member Account. However, we can request that Aeroplan adjust that balance

if, at any time, we notice there is any error in the Aeroplan points awarded

under these Aeroplan Credit Card Terms to that Aeroplan Member Account.

Changes and Termination

We reserve the right to change any of the terms of these Aeroplan Credit

Card Terms, in whole or in part, with or without prior notice, for any

reason. However, when no prior notice is provided, we will make every

effort to inform you of such changes as soon as possible after they are

made. We may terminate these Aeroplan Credit Card Terms at any time. If

these Aeroplan Credit Card Terms are terminated, you must contact

Aeroplan about the Aeroplan program and the Aeroplan points that you

earned under these Aeroplan Credit Card Terms.

We reserve the right to cancel or make changes to these Aeroplan Credit

Card Terms or the Aeroplan points earned under these Aeroplan Credit

Card Terms, without notice, for any reason, including if you abuse these

Aeroplan Credit Card Terms privileges, do not comply with this Agreement,

misrepresent any information provided by you or if you conduct yourself in

a manner detrimental to us or to the interests of these Aeroplan Credit

Card Terms.

Liability for Third Parties or Purchases; Limitation of

Liability; Cancelling this Agreement

We accept no responsibility or liability for the Aeroplan program or

Aeroplan points, including the failure of any third party service provider,

agent, partner or supplier, including Aeroplan, or for any other actions,

errors or omissions.

We will not, under any circumstances, accept any responsibility or liability

for any loss or damage caused by goods or services supplied or requested in

connection with the Aeroplan program or these Aeroplan Credit Card Terms.

We are not responsible or liable for any loss suffered by a Cardholder or a

third party as a result of these Aeroplan Credit Card Terms, including the

termination or cancellation of a Card, the Account, the Aeroplan program,

Aeroplan points, for any Purchase (including a Purchase of Gas, Grocery or

Air Canada Products) or any third party service providers, suppliers, agents

or partners that support such Purchase. We will not be liable for any damages

(including special, indirect or consequential damages) for the Agreement.

A Cardholder may lose these Aeroplan Credit Card Terms privileges if they

do not comply with this Agreement. We may make a claim against a

Cardholder if they do not comply with this Agreement.

We may cancel or terminate the Agreement, the Account or a Card at anytime.

TRAVEL MEDICAL INSURANCE

For Covered Trips of 21 days or less for people under

65 years of age, and

For Covered Trips of 4 days or less for people

65 years of age or older.

Coverage under this Certificate is provided by:

TD Life Insurance Company (Insurer)

320 Front Street West, 3

Floor, Toronto, ON M5V 3B6

Administration services are provided by:

Allianz Global Assistance (Administrator)

P.O. Box 277, Waterloo, ON N2J 4A4

Phone: 1-866-374-1129 or (416) 977-4425

Certificate of Insurance

This Certificate applies to the TD Aeroplan Visa Infinite Card which will be

referred to as a “TD Credit Card” throughout the Certificate.

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

Certificate under Group Policy No. TGV002 (the “Group Policy”).

Our Administrator administers the insurance on behalf of TD Life, and

provides medical and claims assistance, claims payment and

administrative services under the Group Policy.

This Certificate contains important information. Please read it carefully and

take it with You on Your trip.

IMPORTANT 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 Certificate before you travel as your coverage

may be subject to certain limitations or 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 Certificate and how it relates to your Departure

Date. Please see sections 6 and 7 of this Certificate for details.

Should you have any questions or need further clarification, 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 Benefit Payable will be reduced

to $30,000, and only 80% of the Eligible Medical Emergency

Expenses will be covered. You can call Our Administrator 24 hours a

day, seven days a week at 1-866-374-1129 from Canada or the

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

Please see section 8 for further details.

Beneﬁt Maximum Beneﬁt Payable

Medical Emergency Insurance $1,000,000 per Insured Person

per Covered Trip.

SECTION 1 – SUMMARY OF BENEFITS

SECTION 2 – DEFINITIONS

In this Certificate, the following words and phrases shown in italics have

the meanings shown below. As You read through the Certificate, You may

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

Your coverage, limitations and exclusions.

Account means the Primary Cardholder’s TD Credit Card Account that the

Bank maintains.

Additional Cardholder means a person to whom a TD Credit Card

has been issued at the authorization of the Primary Cardholder.

Administrator means the company We select to provide medical and

claims assistance, claims payment, administrative and adjudication

services under the Group Policy.

Bank means The Toronto-Dominion Bank.

Certificate means this certificate of insurance.

Coverage Period means the period of time during which a Medical

Emergency must occur for a benefit to be payable. This period is defined

in section 5.

Covered Trip means a trip:

• made by an Insured Person outside the Insured Person’s province

or territory of residence;

• that does not exceed the Maximum Number of Covered Days,

including the departure date; and

• that does not extend to or past:

• the date the Insured Person no longer meets the eligibility

requirements set out in section 3; or

• the date coverage terminates as described in section 4.

Note: In the event of a claim, the Insured Person will be required to

submit proof of the departure. Only a Medical Emergency occurring

during a Covered Trip will be eligible for consideration. Note that the

day of departure counts as a full day for this purpose.

Exclusions:

• A Covered Trip does not include any trip for the purpose of

commuting to or from an Insured Person’s usual place of employment.

• Coverage is only provided under the Group Policy if the Medical

Emergency occurs within the Maximum Number of Covered Days

that the Insured Person is first away from his or her province or

territory of residence. Note that the day of departure counts as a

full day for this purpose.

Note: If the Insured Person’s trip exceeds the Maximum Number of

Covered Days, the Insured Person may want to purchase separate

insurance under a different TD Life group policy for the number of

days that the trip will exceed the Maximum Number of Covered Days.

Different terms and conditions will apply and, depending on the

Insured Person’s age and the length of their trip, the Insured Person

may be required to provide information about their health. Call TD Life

prior to Your departure date at 1-866-374-1129 for more

information or if You would like to obtain a quote.

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

who are:

• unmarried;

• dependent on You for financial maintenance and support; and

• under 22 years of age; or

• under 26 years of age and attending an institution of higher

learning, full-time, in Canada; or

• mentally or physically handicapped.

Exclusion: A Dependent Child does not include a child born while the

child’s mother is outside her province or territory of residence during

the Covered Trip. The child will not be insured with respect to that trip.

Dollars and $ mean Canadian dollars.

Effective Date means the date this Certificate takes effect with respect

to You, and is the later of March 17, 2008, and the date on which an

Account is opened by the Bank for You and You meet the eligibility

requirements set out in section 3 with respect to this Account.

Eligible Medical Emergency Expenses are defined in section 6.

Emergency Medical Benefit is defined in section 6.

Government Health Insurance Plan (GHIP) means a Canadian

provincial or territorial government health insurance plan.

Good Standing: An Account is in Good Standing if:

• the Primary Cardholder has applied for the Account;

• the Bank has approved and opened the Account;

• the Primary Cardholder has not advised the Bank to close the

Account; and

• the Bank has not suspended or revoked credit privileges or

otherwise closed the Account.

Hospital means

• an institution that has been accredited and licensed by the

appropriate authority as a Hospital to treat patients on an

in-patient, outpatient and emergency basis; or

• the nearest appropriate medical facility that has been approved in

advance by Our Administrator.

Exclusion: Hospital does not include chronic care, convalescent or

nursing home facilities.

Hospitalized or Hospitalization means confined as an in-patient in

a Hospital.

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

Certificate as described in section 3.



Maximum Number of Covered Days means 21 consecutive days

for Insured Persons under 65 years of age and 4 consecutive days for

Insured Persons 65 years of age or older. The departure date counts as

one full day for this purpose. Age will be measured as of the date of

departure for this purpose.

Medical Condition means an irregularity in the health of an Insured

Person which required or requires medical advice, consultation,

investigation, Treatment, care, service or diagnosis by a Physician.

Medical Emergency means any unforeseen illness or accidental bodily

injury occurring during a Covered Trip that requires immediate emergency

medical Treatment by a Physician.

Physician means a Physician or surgeon who is registered or licensed to

practice medicine in the jurisdiction where he or she provides medical

advice or Treatment and who is not related by blood or marriage to any

Insured Person under this Certificate.

Pre-Existing Condition means a Medical Condition:

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

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

Condition Period, where Treatment includes medication; or

• for which further investigation was recommended or prescribed, or

for which a change in Treatment was recommended (including a

change in medication or dosage) during the Pre-Existing

Condition Period.

Pre-Existing Condition Period with respect to any benefit under

this Certificate is as follows:

• Insured Persons under 65 years of age – 90 days immediately

before the beginning of the Coverage Period; and

• Insured Persons 65 years of age or older – 180 days immediately

before the beginning of the Coverage Period.

Primary Cardholder means a person who applied for a TD Credit Card,

whose name is on the Account and to whom a TD Credit Card has been

issued. A Primary Cardholder does not include an Additional Cardholder.

Spouse means:

• the Insured Person’s legal husband or wife; or

• the person who the Insured Person has lived with for at least one

year and publicly represented as his or her domestic partner.

Stable means any Medical Condition or related condition (whether or not

the diagnosis has been determined) for which there have been:

• no new or change in medication or dosage;

• no new or change in Treatment;

• no new or increase in frequency or severity of symptoms;

• no referral or recommendation to see a specialty clinic or specialist;

• no pending test results or testing; or

• no pending surgery or other Treatment.

Travelling Companion means someone who shares trip arrangements

and accommodations with You.

Exceptions: No more than three (3) individuals (including You) will

be considered travel companions on any one trip.

Treated or Treatment means any medical, therapeutic or diagnostic

procedure prescribed, performed or recommended by a Physician, including

but not limited to prescribed or unprescribed medication, investigative

testing and surgery. The term “treatment” does not include the unaltered

use of prescribed medication for a Medical Condition which is Stable.

Usual, Customary and Reasonable Charges means charges that

do not exceed the general level of charges made by other providers of

similar standing in the geographical area where charges are incurred for

comparable Treatment, services or supplies for a similar Medical Emergency.

We, Us and Our mean TD Life Insurance Company.

You and Your mean the Primary Cardholder.

SECTION 3 – ELIGIBILITY

The Primary Cardholder is eligible to be insured under this Certificate if,

throughout the Covered Trip, the Primary Cardholder:

• is a resident of Canada;

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

• has an Account in Good Standing.

The Primary Cardholder’s Spouse is eligible to be insured under this

Certificate if, throughout the Covered Trip:

• the Primary Cardholder is eligible to be insured under this

Certificate as described above, even if the Primary Cardholder is not

travelling; and

• the Spouse:

• is a resident of Canada;

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

• continues to meet the definition of Spouse of the Primary

Cardholder.

The Primary Cardholder’s Dependent Child is eligible to be insured under

this Certificate whether or not the Primary Cardholder or the Primary

Cardholder’s Spouse travels with them if, throughout the Covered Trip:

• the Primary Cardholder is eligible to be insured under this

Certificate as described above, even if the Primary Cardholder is not

travelling; and

• the Dependent Child:

• is a resident of Canada;

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

• continues to meet the definition of Dependent Child.

Exclusion: If a Dependent Child is born while the child’s mother is

outside of her province of residence, the Dependent Child will not be

insured with respect to that trip.

An Additional Cardholder is eligible to be insured under this Certificate if,

throughout the Covered Trip:

• the Primary Cardholder is eligible to be insured under this

Certificate as described above, even if thePrimary Cardholder is not

travelling; and

• the Additional Cardholder:

• is a resident of Canada;

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

• continues to meet the definition of Additional Cardholder.

Note: The Spouse and children of an Additional Cardholder are not

automatically eligible for coverage under this Certificate unless they

meet other eligibility requirements set out above (e.g. if the child of

an Additional Cardholder is also the Dependent Child of the Primary

Cardholder).

Coverage after the Maximum Number of Covered Days:

• This Certificate does not offer any coverage after the end of the

Maximum Number of Covered Days.

• If an Insured Person under age 65 is planning a trip that will last

more than 21 days, or an Insured Person aged 65 or older is

planning a trip that will last more than 4 days, the Insured Person

may want to purchase separate insurance for the number of days

that the trip will exceed the Maximum Number of Covered Days.

• Coverage may be available under a different TD Life group policy.

Different terms and conditions will apply and, depending on the

Insured Person’s age and the length of their trip, the Insured

Person may be required to provide information about their health.

Call TD Life prior to Your departure date at 1-866-374-1129

for more information or if You would like to obtain a quote.

SECTION 4 – WHEN COVERAGE TERMINATES

Coverage for the Primary Cardholder under this Certificate will terminate

on the earliest of the following dates:

• the date the Account is cancelled, closed or otherwise ceases to be

in Good Standing;

• the date You cease to be eligible for coverage; and

• the date the Group Policy terminates.

Coverage for an Insured Person other than the Primary Cardholder under

this Certificate will terminate on the earliest of the following dates:

• the date coverage terminates for the Primary Cardholder; and

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

No benefits will be paid under this Certificate 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 (21 consecutive days for Insured Persons

under age 65, and 4 consecutive days for Insured Persons aged 65 or

older). However, only a Medical Emergency occurring within the first

Maximum Number of Covered Days following the departure from the

Insured Person’s province or territory of residence will be considered.

The day of departure counts as a full day for this purpose.

The Coverage Period ends on the earlier of:

• the date the Insured Person returns from the Covered Trip;

• the end of the Maximum Number of Covered Days for that Insured

Person, except as described below;

• the date the Group Policy terminates.

However, if an Insured Person is suffering from a Medical Emergency at

the end of the Maximum Number of Covered Days for that Insured Person

(the “Termination Date”), then the Coverage Period:

• for that Insured Person; and

• for any other Insured Person if

• Our Administrator has approved a Travelling Companion Benefit

for that other Insured Person; and

• That other Insured Person was insured under this Certificate

with respect to the Covered Trip at the Termination Date is

automatically extended to 72 hours following the end of the

Medical Emergency.

However, under no circumstances will coverage continue after termination

of the Group Policy.

SECTION 6 – WHAT YOUR INSURANCE COVERS –

EMERGENCY MEDICAL INSURANCE

We will pay a Medical Emergency Benefit if an Insured Person suffers a

Medical Emergency during the Coverage Period for a Covered Trip.

Emergency Medical Benefit means, subject to the Maximum

Benefit Payable described in section 1, the Usual, Customary and

Reasonable Charges for Eligible Medical Emergency Expenses, less all

amounts payable or reimbursable under a GHIP or any group or individual

health plans or insurance policies.

Eligible Medical Emergency Expenses means:

• Hospital accommodation;

• Physicians’ bills;

• Private duty nursing:

• up to $5,000 for:

• services performed by a registered nurse; including

• medically necessary nursing supplies;

• Diagnostic services:

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

are:

• prescribed by the treating Physician; and

• approved in advance by Our Administrator if the tests involve:

• magnetic resonance imaging (MRI);

• computerized axial tomography (CAT) scans;

• sonograms;

• ultrasounds; or

• any invasive diagnostic procedures including angioplasty;

• Ambulance:

• charges for emergency ambulance service to the nearest

approved Hospital;

• Air Ambulance:

• charges for emergency air ambulance only if:

• Our Administrator determines that the Insured Person’s

physical condition precludes the use of any other means of

transportation;

• Our Administrator makes the determination before the

service is provided;

• Our Administrator pre-approves this service; and

• Our Administrator arranges this service;

• Prescriptions:

• reimbursement of prescription drugs that are required as part

of emergency Treatment;

Exclusion: vitamins and patent, proprietary and experimental

drugs are excluded;

• Accidental Dental:

• up to $2,000 for dental Treatment that is:

• required during a Coverage Period; and

• necessitated by a blow to natural or permanently installed

teeth which occurs during a Coverage Period;

Limitation: Treatment for emergency relief of dental pain is

covered up to a maximum of $200;

• Medical Appliances

• cost of casts, crutches, trusses, braces, slings, splints and/or

the rental cost of a wheelchair or walker where:

• prescribed by a Physician; and

• required as a result of a Medical Emergency;

• Return Airfare

• the extra cost for a one-way economy fare plus, if required to

accommodate a stretcher, a second one-way economy fare if:

• as a result of a Medical Emergency, Our Administrator

determines that an Insured Person should return to Canada

for medical reasons; and

• Our Administrator approves the transportation in advance;

• Transportation to Bedside

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

Hospitalized for at least three consecutive days, the cost of one

round-trip economy airfare from Canada if it is:

• for the Insured Person’s Spouse, parent, child, brother or

sister; and

• approved in advance by Our Administrator;

• Travelling Companion Benefit

• the cost of a single one-way economy airfare if:

• an Insured Person suffers a covered Medical Emergency;

• as a result, a Travelling Companion stays beyond his or her

scheduled return date; and

• Our Administrator approves, in advance, the cost of a

one-way economy airfare back to the Travelling

Companion’s place of departure;

• Bedside Companion Benefit

• up to $150 per day, to a maximum of $1,500, for food and

accommodation for a person if:

• Our Administrator has approved transportation for the

person under either a Transportation to Bedside benefit or

a Travelling Companion Benefit; and

• Our Administrator has approved the Bedside Companion

Benefit in advance;

• Vehicle Return

• up to $1,000 toward the cost of returning an Insured Person’s

vehicle to his or her home or, if applicable, the nearest

appropriate vehicle rental agency if:

• the Insured Person is unable to return the vehicle due to a

covered Medical Emergency; and

• Our Administrator arranges for the return of the vehicle;

• Return of Deceased

• up to $5,000 toward the cost of preparation and

transportation home of a deceased Insured Person if death

results from a covered Medical Emergency;

Exclusion: the cost of a burial casket or urn is not covered

under this benefit; and

• one round-trip economy airfare if:

• an Immediate Family Member is required to identify or

obtain release of the deceased; and

• Our Administrator approves this transportation in advance.

• Baggage Return

• If an Insured Person returns to their province or territory of

residence by air ambulance because of their Medical Emergency,

this insurance covers the cost to return the Insured Person’s

baggage up to an overall maximum of $500 per Covered Trip.

SECTION 7 – LIMITATIONS AND EXCLUSIONS: WHAT YOUR

INSURANCE DOES NOT COVER

Limitations and exclusions that apply to a particular benefit are found

above, in the description of those benefits. In addition, for all benefits,

this Certificate does not cover any Treatment, services, or expenses of any

kind caused directly or indirectly as a result of the following:

1. Failure to report

• A Medical Emergency must be reported to Our Administrator within

48 hours of admission to Hospital, or as soon as is reasonably

possible.

• If the Medical Emergency is not reported as required, the maximum

benefit payable with respect to 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 benefit will be paid for any

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

Condition Period immediately preceding the beginning of the

Coverage Period.

3. Reasonably foreseeable conditions

• No benefit will be payable with respect to a sickness, accidental

injury or Medical Emergency that was reasonably foreseeable

when the Insured Person departed on the Covered Trip.

4. Medical Emergency occurring outside the

Coverage Period

• No benefit will be payable with respect to 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 benefit will be paid with respect to any Medical Emergency if

an Insured Person’s Medical Emergency occurs after the first 21

days following an Insured Person’s departure date from their

province or territory of residence.

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

example, that no benefit will be paid with respect to any Medical

Emergency if an Insured Person’s Medical Emergency occurs after

the first 4 days following an Insured Person’s departure date from

their province or territory of residence.

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

5. Failure to transfer to an appropriate facility

for Treatment

• We, in consultation with the Insured Person’s treating Physician,

reserve the right to transfer an Insured Person to an appropriate

medical facility or to his or her province or territory of residence for

further Treatment.

• Failure to comply with a transfer request will absolve Us of any

liability to provide benefits for expenses incurred after the

scheduled transfer date.

6. Recurrence

• A Medical Emergency is considered to have ended when medical

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

or her province or territory of residence. No benefits will be paid in

connection with the condition that caused a Medical Emergency if

they are incurred after that time.

7. Failure to obtain advance approval

• Where an Eligible Medical Emergency Expense specifies that it must

be approved in advance by Our Administrator, if advance approval

is not obtained, no benefit will be payable for that expense.

• No benefit will be paid with respect to any surgery or invasive

procedure that has not been approved in advance by Our

Administrator, except in extreme circumstances where a request for

prior approval would delay necessary surgery in a life-threatening

medical crisis.

8. Non-emergency services

• No benefit will be payable with respect to non-emergency,

experimental or elective services, including any Treatment, surgery

or medication which medical evidence indicates that the Insured

Person could have returned to Canada to receive.

9. General

• As noted above, the benefits payable under the Group Policy will

be the actual cost of the covered expense less:

• the amount reimbursable under GHIP; and

• the amount reimbursable through any other insurance or

health plan coverage.

10. In addition, no benefit will be payable in connection

with Treatment, services or expenses related to or

resulting from:

a. Misrepresentation

• any Medical Condition for which You or an Insured Person

provided Our Administrator or Us with false or inaccurate

information regarding Hospitalizations, Treatment or

medications;

b. Pregnancy

• pregnancy or childbirths within 9 weeks of expected delivery date;

• any complication relating to pregnancy that occurs in the last

9weeks leading up to the expected delivery date, or after the

expected delivery date;

• any child born during a Covered Trip;

c. Intentionally inflicted injuries

• intentionally inflicted injuries, suicide or attempted suicide,

while either sane or insane;

d. Failure to take medication

• failure to take medication as prescribed by the Insured Person’s

Physician;

e. Alcohol or drug use

• 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. Commuting

• any trip that is primarily for the purpose of commuting to or

from the Insured Person’s usual place of employment;

j. Mental Problems

• any mental, nervous or emotional problems, including any

Medical Emergency arising from these problems;

k. Hazardous Activities

• recreational scuba diving (unless the Insured Person holds a

basic scuba designation from a certified school or licensing

body), mountaineering, bungee-jumping, parachuting,

parasailing, cave exploration, hang-gliding, skydiving or any

airborne activity in any aircraft other than a passenger aircraft

that holds a valid certificate of airworthiness;

l. Travel Advisories

• travel in a country if the Canadian government had issued a

travel advisory for that country that was in effect immediately

before the Coverage Period began.

11. Dependent Child not travelling with You or Your Spouse.

No benefit will be payable with respect to a Dependent Child unless

he or she is travelling with You or Your Spouse.

12. Family members of an Additional Cardholder. No benefit

will be payable with respect to a person merely because that person is

the Spouse or a Dependent Child of an Additional Cardholder, unless

that person is otherwise eligible for insurance under this Certificate.

SECTION 8 – WHAT TO DO IN A MEDICAL EMERGENCY

When a Medical Emergency occurs, You or if applicable, an

Insured Person, must phone Our Administrator immediately,

or as soon as is reasonably possible. Otherwise, benefits

will be limited as described in section 7 under “Limitations

and Exclusions: 1. Failure to Report”. Some expenses will only

be covered if Our Administrator approves them in advance.

Assistance is available twenty-four hours a day, seven days a week, by

calling toll-free 1-866-374-1129 from Canada or the U.S.A., or from

other countries by calling collect (416) 977-4425.

Our Administrator will verify whether coverage is in effect and, if so, will

direct the Insured Person to the nearest appropriate medical facility. Our

Administrator will pay, or guarantee payment to, the provider of medical

services wherever possible, and manage the Insured Person’s Medical

Emergency from the initial report through its conclusion.

If a direct guarantee or payment is not possible, the Insured Person may

be asked to pay for services. Upon submission of a claim, the Insured

Person will be reimbursed for any such Eligible Medical Emergency

Expenses so paid, as described under this Certificate.

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

and conditions of the Certificate, including limitations and exclusions.

SECTION 9 – HOW TO MAKE A CLAIM

A Medical Emergency should always be reported immediately, as

described in section 8, or benefits will be limited.

Failure to Report a Claim Immediately

If, without contacting Our Administrator for assistance and claim

management, an Insured Person incurs Eligible Medical Emergency

Expenses, then he or she must first submit receipts and other proof to:

• GHIP;

• then to any group or individual health plans and/or insurers.

Any Eligible Medical Emergency Expenses that are not covered by such

GHIP, health plans or insurance should then be submitted to Our

Administrator with proof of claim, receipts and payment statements. In

this case, claims forms can be obtained from Our Administrator’s Customer

Service representatives at the number set out in section 10.

The Insured Person will also be required to provide

evidence of his or her actual date of departure from his or

her province or territory of residence.

Reporting a Claim Immediately

If Hospital or other medical charges have been guaranteed or paid by Our

Administrator on behalf of an Insured Person then You and, if applicable,

the Insured Person must sign an authorization form allowing Our

Administrator to recover these charges:

• from the Insured Person’s GHIP;

• from any health plan or other insurance;

• through subrogation rights against any responsible third party.

If Our Administrator has paid for Eligible Medical Emergency Expenses

covered under other insurance or another plan, You and, if applicable, the

Insured Person must assist Our Administrator in obtaining reimbursement,

where necessary.

The Insured Person will also be required to provide

evidence of his or her actual date of departure from his or

her province or territory of residence.

Note: If an advance payment is made for expenses and it is later

discovered that they were not covered under this Certificate, then You

and/or the Insured Person must reimburse Us.

SECTION 10 – HOW TO CONTACT OUR ADMINISTRATOR

24 Hour Emergency Assistance Number

To report a Medical Emergency, You or, if applicable, the Insured Person

can call Our Administrator twenty-four hours a day, seven days a week at:

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

From elsewhere, call collect (416) 977-4425

Customer Service: Phone number

To enquire about Your benefits under this Certificate or to check on the

status of an existing claim, You can call Our Administrator at:

Toll-free at 1-866-374-1129 or at (416) 977-4425

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

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

claims forms.

Customer Service: Mailing Address

You can mail your request to:

Allianz Global Assistance

Re: TD Credit Card– Travel Medical Insurance

P.O. Box 277

Waterloo, Ontario N2J 4A4

Fax: (519) 742-9471.

SECTION 11 – GENERAL CONDITIONS

Unless this Certificate or the Group Policy states otherwise, the following

conditions apply to Your coverage:

Proof of Loss

The appropriate claims forms together with written proof of loss must be

furnished as soon as reasonably possible, but in all events within one (1)

year from the date on which the loss occurred.

Review and Medical Examination

When a claim is being processed, We will have the right and the

opportunity, at Our own expense, to review all medical records related to

the claim and to examine the Insured Person medically when and as often

as may be reasonably required.

Subrogation

There may be circumstances where another person or entity should have

paid You for a loss but instead We paid You for the loss. If this occurs, You

agree to co-operate with Us so We may demand payment from the

person or entity who should have paid You for the loss. This may include:

• transferring to Us the debt or obligation owing to You from the

other person or entity;

• permitting Us to bring a lawsuit in Your name;

• if You receive funds from the other person or entity, You will hold

it in trust for Us;

• acting so as not to prejudice any of Our rights to collect payment

from the other person or entity.

We will pay the costs for the actions We take.

Other Insurance

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

recovery You have will pay first, and this insurance policy will be the last

to pay. The total benefits payable under all Your insurance, including this

Certificate, cannot be more than the actual expenses for a claim. If an

Insured Person is also insured under any other insurance certificate or

policy, We will coordinate payment of benefits with the other insurer.

In no case will We seek to recover against employment related plans if

the lifetime maximum for all in-country and out-of-country benefits is

$50,000 or less. If the lifetime maximum for all in-country and

out-of-country benefits is over $50,000, We will coordinate benefits only

above this amount.

Legal Action Limitation Period

Every action or proceeding against the insurer for the recovery of

insurance money payable under the contract is absolutely barred unless

commenced within the time set out in the Insurance Act (for actions or

proceedings governed by the laws of Alberta or British Columbia), The

Insurance Act (for actions or proceedings governed by the laws of

Manitoba), the Limitations Act, 2002 (for actions or proceedings governed

by the laws of Ontario), the Civil Code of Quebec (for actions or

proceedings governed by the laws of Quebec), or other applicable

legislation.

False Claim

If You or an Insured Person make a claim knowing it to be false or

fraudulent in any respect, neither You nor the Insured Person will be

entitled to the benefits of this coverage, nor to the payment of any claim

under the Group Policy.

Currency

All amounts are shown in Canadian currency.

Access to Medical Care

TD Life, the Bank, Our Administrator and their affiliates are not

responsible for the availability, quality or results of any medical Treatment

or transport, or for the failure of any Insured Person to obtain medical

Treatment.

Group Policy

All benefits under this Certificate are subject in every respect to the Group

Policy which alone constitutes the agreement under which benefits will be

provided. This Group Policy is issued to the Bank. The principal provisions

of the Group Policy affecting Insured Persons are summarized in this

Certificate. The Group Policy is on file at the office of the Bank.



TRIP CANCELLATION / TRIP INTERRUPTION

INSURANCE

Coverage under this Certificate is provided by:

TD Life Insurance Company and TD Home and Auto

Insurance Company (Insurer)

320 Front Street West, 3rd Floor, Toronto, ON M5V 3B6

Administration services are provided by:

Allianz Global Assistance (Administrator)

P.O. Box 277, Waterloo, ON N2J 4A4

Phone: 1-866-374-1129 or (416) 977-4425

Certificate of Insurance

This Certificate applies to the TD Aeroplan Visa Infinite Card which will be

referred to as a “TD Credit Card” throughout the Certificate.

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

Medical Covered Causes for Cancellation and the Medical Covered Causes

for Interruption under this Certificate under Group Policy No. TGV003.

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

insurance for the Non-Medical Covered Causes for Cancellation and the

Non-Medical Covered Causes for Interruption under this Certificate under

Group Policy TGV006.

Together, these policies are referred to as the “Group Policies”.

Our Administrator administers the insurance on behalf of TD Life and

TDH&A and provides claims payment and administrative services under

the Group Policies.

This Certificate contains important information. Please read it carefully and

take it with You on Your trip.

This Certificate contains a clause which may limit the

amount payable.

Important Notes:

Pre-Existing Conditions: A Pre-Existing Condition exclusion

applies to the Trip Cancellation and Trip Interruption benefits. Please

see Limitations and Exclusions under sections 6 through 8 for details.

If You have any questions regarding Pre-Existing Conditions and/or

want to confirm coverage, please 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 benefit insurance money is to be

payable.

SECTION 1 – SUMMARY OF BENEFITS

Beneﬁts Maximum Beneﬁt Payable

Trip Cancellation Insurance $1,500 per Insured Person

per Covered Trip

$5,000 total per Covered Trip for all

Insured Persons on the same Covered Trip

Trip Interruption Insurance $5,000 per Insured Person

per Covered Trip

$25,000 total per Covered Trip for all

Insured Persons on the same Covered Trip

Note: If the value of an Insured Person’s Covered Trip exceeds the

amounts listed above, You may wish to speak to your travel agent or

other travel supplier for excess coverage.

SECTION 2 – DEFINITIONS

In this Certificate, the following words and phrases shown in italics have

the meanings shown below. As You read through the Certificate, You may

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

Your coverage, limitations and exclusions.

Account means the Primary Cardholder’s TD Credit Card Account that the

Bank maintains.

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”.

Additional Cardholder means a person to whom a TD Credit Card has been

issued at the authorization of the Primary Cardholder.

Administrator means the service provider arranged by TD Life and

TDH&A to provide claims payment and administrative services under the

Group Policies.

Aeroplan points means the points awarded through the Aeroplan

program which can be redeemed for rewards. Aeroplan points have no

monetary value.

Bank means The Toronto-Dominion Bank.

Certificate means this certificate of insurance.

Common Carrier means any land, air or water conveyance which is

licensed to carry passengers without discrimination and for hire, excluding

courtesy transportation provided without a specific charge.

Coverage Period means the period of time during which a covered

event must occur for a benefit to be payable. Coverage Period means the

Trip Cancellation Coverage Period or the Trip Interruption Coverage Period,

as applicable. These terms are defined in section 5.

Covered Trip means a trip:

• made by an Insured Person outside the Insured Person’s province

or territory of residence;

• that does not extend to or past:

• the date the Insured Person no longer meets the eligibility

requirements set out in section 3;

• the date coverage terminates as described in section 4;

• that was booked or reserved prior to departure from the Insured

Person’s province or territory of residence; and

• for which at least 75% of the cost has been charged:

• to Your Account and/or

• using Your Aeroplan points.

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

are:

• unmarried;

• dependent on You for financial maintenance and support; and

• under 22 years of age; or

• under 26 years of age and attending an institution of higher

learning, full-time, in Canada; or

• mentally or physically handicapped.

Note: A Dependent Child does not include a child born while the

child’s mother is outside her province or territory of residence during

the Covered Trip. The child will not be insured with respect to that trip.

Effective Date means the date this Certificate takes effect with respect

to You, and is the later of March 17, 2008, and the date on which an

Account is opened by the Bank for You and You meet the eligibility

requirements set out in section 3 with respect to this Account. Only

Covered Trips booked on or after the Effective Date shall be eligible for

coverage.

Good Standing: An Account is in Good Standing if:

• the Primary Cardholder has applied for the Account;

• the Bank has approved and opened the Account;

• the Primary Cardholder has not advised the Bank to close the

Account; and

• the Bank has not suspended or revoked credit privileges or

otherwise closed the Account.

Hospital means an institution that is accredited and licensed by the

appropriate authority as a hospital to Treat patients on an in-patient,

out-patient and emergency basis; or the nearest medical facility that has

been approved in advance by Our Administrator.

Exceptions: Hospital does not include chronic care, convalescent,

rehabilitation or nursing home facilities.

Immediate Family Member means an Insured Person’s Spouse,

parents, step parent, grandparents, natural or adopted children, step

children or legal ward, step sisters, step brothers, grandchildren, brothers,

brothers-in-law, sisters, sisters-in-law, aunts, uncles, nieces or nephews,

sons-in-law or daughters-in-law, and the Insured Person’s Spouse’s parents,

grandparents, brothers, brothers-in-law, sisters, sisters-in-law and children.

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

Certificate as described in section 3.

Medical Condition means an irregularity in the health of an Insured

Person which required or requires medical advice, consultation,

investigation, Treatment, care, service or diagnosis by a Physician.

Physician means a physician or surgeon who is registered or licensed to

practice medicine in the jurisdiction where he or she provides medical

advice or Treatment and who is not related by blood or marriage to any

Insured Person under this Certificate.

Pre-Existing Condition means a Medical Condition:

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

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

Condition Period, where Treatment includes medication; or

• for which further investigation was recommended or prescribed, or

for which a change in Treatment was recommended (including a

change in medication or dosage) during the Pre-Existing Condition

Period.

Pre-Existing Condition Period with respect to any benefit under

this Certificate is as follows:

• Insured Persons under 65 years of age – 90 days immediately

before the beginning of the Coverage Period; and

• Insured Persons 65 years of age or older – 180 days immediately

before the beginning of the Coverage Period.

Primary Cardholder means a person who applied for a TD Credit

Card, whose name is on the Account and to whom a TD Credit Card has

been issued. A Primary Cardholder does not include an Additional Cardholder.

Spouse means:

• the Insured Person’s legal husband or wife; and

• the person who the Insured Person has lived with for at least one

year and publicly represented as his or her domestic partner.

Stable means any Medical Condition or related condition (whether or not

the diagnosis has been determined) for which there have been:

• no new or change in medication or dosage;

• no new or change in Treatment;

• no new or increase in frequency or severity of symptoms;

• no referral or recommendation to see a specialty clinic or specialist;

• no pending test results or testing; or

• no pending surgery or other Treatment.

Travelling Companion means someone who shares trip arrangements

and accommodations with You.

Exceptions: No more than three (3) individuals (including You) will

be considered travel companions on any one trip.

Treated or Treatment means any medical, therapeutic or diagnostic

procedure prescribed, performed or recommended by a Physician, including

but not limited to prescribed or unprescribed medication, investigative

testing and surgery. The term “treatment” does not include the unaltered

use of prescribed medication for a Medical Condition which is Stable.

We, Us and Our mean TD Life Insurance Company with respect to the

Medical Covered Causes for Cancellation and Medical Covered Causes for

Interruption. We, Us and Our mean TD Home and Auto Insurance

Company with respect to the Non-Medical Covered Causes for Cancellation

and Non-Medical Covered Causes for Interruption. These terms are defined

in sections 6 and 7.

You and Your means the Primary Cardholder.

SECTION 3 – ELIGIBILITY

The Primary Cardholder is eligible to be insured under this Certificate if,

throughout the Covered Trip, the Primary Cardholder:

• is a resident of Canada; and

• has an Account in Good Standing.

The Primary Cardholder’s Spouse is eligible to be insured under this

Certificate if, throughout the Covered Trip:

• You are eligible to be insured under this Certificate as described

above, even if You are not travelling; and

• the Spouse:

• is a resident of Canada; and

• continues to meet the definition of Spouse of the Primary

Cardholder.

The Primary Cardholder’s Dependent Child is eligible to be insured under

this Certificate whether or not the Primary Cardholder or the Primary

Cardholder’s Spouse travels with them if, throughout the Covered Trip:

• You are eligible to be insured under this Certificate as described

above, even if You are not travelling; and

• the Dependent Child:

• is a resident of Canada;

• is travelling with either You or with Your Spouse; and

• continues to meet the definition of Dependent Child.

An Additional Cardholder is eligible to be insured under this Certificate if,

throughout the Covered Trip:

• You are eligible to be insured under this Certificate as described

above, even if You are not travelling; and

• the Additional Cardholder:

• is a resident of Canada; and

• continues to meet the definition of Additional Cardholder.

Note: An Additional Cardholder’s Spouse and children are not eligible to

be insured unless they meet one of the other eligibility requirements

described above (e.g. if the Additional Cardholder’s child is also the

Primary Cardholder’s Dependent Child).

SECTION 4 – WHEN YOUR CERTIFICATE TERMINATES

Coverage for the Primary Cardholder under this Certificate will terminate

on the earliest of the following dates:

• the date the Account is cancelled, closed or otherwise ceases to be

in Good Standing;

• the date the Primary Cardholder ceases to be eligible for coverage;

and

• the date the Group Policy terminates.

Coverage for an Insured Person other than the Primary Cardholder under

this Certificate will terminate on the earliest of the following dates:

• the date coverage terminates for the Primary Cardholder; and

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

No benefits will be paid under this Certificate 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 at least 75% of the cost of the Covered Trip has

been charged to Your Account using a TD Credit Card and/or Your

Aeroplan points.

• Dependent Children are only covered if travelling with You or Your

Spouse. Therefore, for each Insured Person who is a Dependent

Child the Trip Cancellation Coverage Period begins on the date set

out above only if You or Your Spouse will be travelling with the

Dependent Child on the Covered Trip.

The Trip Cancellation Coverage Period ends on the earlier of:

• the date the Insured Person departs or plans to depart on the

Covered Trip; and

• the date this Certificate terminates.

Trip Interruption Coverage Period (when the Covered Causes for

Interruption occurs during Your trip)

• The Trip Interruption Coverage Period begins on the date the

Insured Person completes a portion of the Covered Trip as shown

on his or her invoice or ticket provided the Covered Trip is booked

or reserved with the Insured Person’s travel agent or other travel

supplier and at least 75% of the cost of the Covered Trip has been

charged to Your Account using a TD Credit Card and/or Your

Aeroplan points.

• Dependent Children are only covered while travelling with You or

Your Spouse. Therefore, for each Insured Person who is a

Dependent Child the Trip Interruption Coverage Period begins on

the date set out above only if You or Your Spouse are travelling

with the Dependent Child on the Covered Trip.

The Trip Interruption Coverage Period ends on the earlier of:

• the date the Insured Person is scheduled to return from the

Covered Trip; and

• the date this Certificate terminates.

SECTION 6 – WHAT YOUR INSURANCE COVERS – TRIP

CANCELLATION INSURANCE

We will pay a Trip Cancellation Benefit with respect to 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 Benefit means, subject to the Maximum Benefit

Payable described in section 1, Eligible Trip Cancellation Expenses.

Eligible Trip Cancellation Expenses means one of the following

two options:

• reimbursement for:

• the portion of the Insured Person’s unused travel arrangements

which were:

• Paid in advance and at least 75% of the cost was charged

to Your Account and/or using Your Aeroplan points;

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

• Non-refundable on the date the Covered Cause for

Cancellation arose; and

• travel point administration cancellation fees that applied on

the date the Covered Cause for Cancellation arose, where

applicable; but

Exclusion: there will be no reimbursement for the cost of any

additional travel insurance;

• or, in the alternative, if the Insured Person misses the scheduled

departure as a result of a Covered Cause for Cancellation, payment

of reasonable transportation costs that are:

• required for the Insured Person to travel to the destination of

the Covered Trip by the most direct route; and

• approved in advance by the Administrator.

Covered Causes for Cancellation

Covered Causes for Cancellation mean Medical Covered Causes for

Cancellation and Non-Medical Covered Causes for Cancellation, as

described below.

Medical Covered Causes for Cancellation mean:

• death of an Insured Person or Travelling Companion;

• sudden and unexpected sickness or accidental injury of an Insured

Person or Travelling Companion if:

• it did not result from a Pre-Existing Condition that was not

Stable during the Pre-Existing Condition Period immediately

preceding the beginning of the Coverage Period;

• it prevents the Insured Person from starting the Covered Trip;

• a Physician certifies, in writing:

• that:

• he or she has advised the Insured Person or Travelling

Companion to cancel the Covered Trip; or

• the sickness or injury made it impossible for the Insured

Person or Travelling Companion to start the Covered

Trip; and

• the medical reason for the decision; and

• The Insured Person or Travelling Companion provides the

Physician’s certification to 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 Insured

Person’s host at the destination.

Non-Medical Covered Causes for Cancellation mean:

• an enforceable call of an Insured Person or Travelling Companion

to jury duty or sudden and unexpected subpoena of an Insured

Person or Travelling Companion to act as a witness in a court of

law requiring the Insured Person’s or Travelling Companion’s

presence in court during the Covered Trip;

• a written formal notice issued by the Department of Foreign Affairs

and International Trade of the Canadian government after the

Insured Person’s Covered Trip is booked, advising Canadians not to

travel to a country, region or city originally ticketed for the Covered

Trip for a period that includes an Insured Person’s Covered Trip;

• an employment transfer of the Insured Person by the employer

with whom the Insured Person was employed on the date the

Insured Person booked his or her Covered Trip, which transfer

requires the relocation of the Insured Person’s principal residence

within 30 days before the Insured Person’s scheduled Covered Trip

departure date;

• a delay causing an Insured Person to miss a connection for a

Common Carrier or resulting in the interruption of an Insured

Person’s travel arrangements, and is limited to the following:

• delay of an Insured Person’s Common Carrier resulting from the

mechanical failure of that carrier;

• a traffic accident or an emergency police-directed road closure

(either must be substantiated by a police report); or

• weather conditions.

Exclusion: The outright cancellation of Common Carrier travel

is not considered a delay.

Limitation: The benefit under this Covered Cause for

Cancellation is the Insured Person’s one-way economy fare via

the most cost-effective route to the Insured Person’s next

destination;

• a natural disaster that renders an Insured Person’s principal

residence uninhabitable;

• an Insured Person is quarantined in a situation where no Medical

Covered Cause for Cancellation applies;

• an Insured Person is hijacked; and

• an enforceable call to service of an Insured Person or Travelling

Companion who is a military, police or fire reservist.

Limitations and Exclusions

1. Pre-Existing Condition

• There is no coverage and no benefit will be payable for any

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

Condition Period immediately preceding the Coverage Period.

2. Reasonably foreseeable conditions

• No benefit will be payable with respect to a sickness, accidental

injury or quarantine of the Insured Person that was reasonably

foreseeable when the Trip Cancellation Coverage Period began.

3. Cancellation penalties arising after Covered Cause

for Cancellation

• Benefits will be limited to cancellation penalties in effect on

the date the Covered Cause for Cancellation arises, so it is

important to cancel the Insured Person’s travel plans immediately.

4. Causes not covered

• No benefit will be payable with respect to cancellation of a

Covered Trip for any reason other than those listed under

Covered Causes for Cancellation.

5. Frequent flyer plan rewards units

• Under no circumstance will any benefit be payable in

connection with the value of frequent flyer plan rewards units

that have been lost or wasted.

SECTION 7 – WHAT YOUR INSURANCE COVERS - TRIP

INTERRUPTION INSURANCE

We will pay a Trip Interruption Benefit with respect to 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 Benefit means, subject to the Maximum Benefit

Payable described in section 1, Eligible Trip Interruption Expenses.

Eligible Trip Interruption Expenses means:

• if the Insured Person must terminate the Covered Trip as a result of

the Covered Cause for Interruption, the lesser of:

• the cost of a one-way economy airfare to the point of departure,

if the Administrator approves this transportation in advance; or

• the fee charged by the airline to change the Insured Person’s

date of return;

• if the Insured Person is delayed in reaching the next destination of

his or her Covered Trip as a result of a Covered Cause for Interruption,

payment of reasonable additional transportation costs that are:

• required for the Insured Person to rejoin a tour group by the

most direct route; and

• approved in advance by the Administrator; and

• the portion of any unused land arrangements which were:

• part of the Insured Person’s Covered Trip;

• paid prior to the Insured Person’s date of departure; and

• non-refundable on the date the Covered Cause of Interruption

occurred.

Covered Causes for Interruption

Covered Causes for Interruption mean Medical Covered Causes for

Interruption and Non-Medical Covered Causes for Interruption, as

described below.

Medical Covered Causes for Interruption mean:

• death of an Insured person;

• accidental injury or sickness of an Insured Person if:

• it does not result from a Pre-Existing Condition that was not Stable

during the Pre-Existing Condition Period immediately preceding the

beginning of the Coverage Period; and

• in the opinion of the Administrator:

• it requires immediate medical attention; and

• either:

• it prevents the Insured Person from continuing with the

Covered Trip; or

• the Insured Person will be delayed in reaching the next

destination of his or her Covered Trip;

• death of an Immediate Family Member of the Insured Person;

• sudden and unexpected sickness or accidental injury of an

Immediate Family Member which requires an overnight stay in

aHospital.

Non-Medical Covered Causes for Interruption mean:

• a written formal notice issued during the Covered Trip by the

Department of Foreign Affairs and International Trade of the

Canadian government, advising Canadians not to travel to a

country, region or city originally ticketed for the Covered Trip for a

period that includes an Insured Person’s Covered Trip;

• a delay causing an Insured Person to miss a connection for a

Common Carrier or resulting in the interruption of an Insured

Person’s travel arrangements, and is limited to the following:

• a delay of an Insured Person’s Common Carrier, resulting from

the mechanical failure of that carrier;

• a traffic accident or an emergency police-directed road closure

(either must be substantiated by a police report), or

• weather conditions.

Exclusion: The outright cancellation of a flight is not

considered as a delay.

Limitation: The benefit under this Covered Cause for

Interruption is the Insured Person’s one-way economy fare via

the most cost-effective route to the Insured Person’s next

destination;

• a natural disaster that renders an Insured Person’s principal

residence uninhabitable;

• an Insured Person’s quarantine or hijacking; and

• an enforceable call to service of an Insured Person who is a

military, police or fire reservist.

Limitations and Exclusions

1. Pre-Existing Conditions

• There is no coverage and no benefit will be paid for any

Pre-Existing Condition that was not Stable during the

Pre-Existing Condition Period immediately preceding the

beginning of the Coverage Period.

2. Reasonably foreseeable conditions

• No benefit will be payable with respect to a sickness or accidental

injury of the Insured Person that was reasonably foreseeable

when the Insured Person departed on the Covered Trip.

3. Interruption occurring outside the Coverage Period

• No benefit will be payable with respect to an interruption that

occurs before the Trip Interruption Coverage Period begins or

after it ends.

4. Sums that become non-refundable after the Covered

Cause for Interruption occurs

• Only the sums that are non-refundable on the day the Covered

Cause for Interruption occurs will be eligible for the purposes of

this claim, so it’s important to call the Administrator

immediately to discuss alternate arrangements.

5. Causes not covered

• No benefit will be payable with respect to interruption of a

Covered Trip for any reason other than those listed under

Covered Causes for Interruption.

6. Frequent flyer plan rewards units

• Under no circumstance will any benefit be payable in

connection with the value of frequent flyer plan rewards units

that have been lost or wasted.

7. Unused Return Travel

• Under no circumstance will Trip Interruption Benefits include

the cost of prepaid unused return travel.

SECTION 8 – LIMITATIONS AND EXCLUSIONS: WHAT YOUR

INSURANCE DOES NOT COVER

Limitations and exclusions that apply to a particular benefit are found

above, in the description of those benefits. In addition, for all benefits,

this Certificate does not cover any Treatment, services, or expenses of any

kind caused directly or indirectly as a result of the following:

• Pre-Existing Conditions;

• reasonably foreseeable Medical Conditions;

• failure to report a Covered Cause for Trip Cancellation or Trip

Interruption immediately;

• failure to obtain advance approval from the Administrator for

certain expenses, including travel arrangements;

Please see the relevant benefit section for details. In addition:

1. No benefit will be payable in connection with losses

related to or resulting from:

a. Pregnancy

• pregnancy or childbirth within 9 weeks of expected

delivery date;

• any complication relating to pregnancy that occurs in the

last 9 weeks leading up to the expected delivery date, or

after the expected delivery date;

• any child born during the Covered Trip in question;

b. Intentionally inflicted injuries

• intentionally inflicted injuries, suicide or attempted suicide,

while either sane or insane;

c. Alcohol or drug abuse

• abuse of medication or alcohol or use of illicit drugs;

d. Crime

• participation in a criminal offence;

e. Professional Sports or Racing

• participation in professional sports or any organized racing

or speed contests;

f. War

• any act of war, whether declared or not, hostile or warlike

action in time of peace or war, insurrection, rebellion,

revolution, civil war or hijacking;

g. Mental Problems

• any mental, nervous or emotional problems;

h. Hazardous Activities

• recreational scuba diving (unless the Insured Person holds a

basic scuba designation from a certified school or licensing

body), mountaineering, bungee-jumping, parachuting,

parasailing, cave exploration, hang-gliding, skydiving or

any airborne activity in any aircraft other than a passenger

aircraft that holds a valid certificate of airworthiness;

i. Travel Advisories

• travel in a country if the Canadian government had issued

a travel advisory for that country that was in effect

immediately before the Coverage Period for the benefit in

question began.

2. Dependent Child not travelling with You or Your Spouse

No benefit will be payable:

• with respect to a Dependent Child unless he or she is travelling



• with You or,

• if Your Spouse is an Insured Person under this Certificate,

with Your Spouse.

SECTION 9 – WHAT TO DO IF YOU NEED TO CANCEL OR

INTERRUPT A TRIP

Trip Cancellation

It is important to call the Administrator immediately at the

24Hour Emergency Assistance number found in section 11, below.

The amount payable under Trip Cancellation coverage is limited to the

cancellation penalties in effect on the date the Covered Cause for

Cancellation occurs, so it’s important to cancel the Insured Person’s plans

immediately but no later than within one day.

After the Insured Person has cancelled his or her travel arrangements with

the travel supplier, the Insured Person will need to follow the instructions

under Section 10 – How To Make A Claim.

Trip Interruption

The Insured Person must call the Administrator immediately at

the 24 Hour Emergency Assistance number found in section 11, below.

Some expenses are only covered if they’re approved in advance by the

Administrator. All transportation expenses must be pre-approved.

Only the expenses that are non-refundable on the day the Covered Cause

for Interruption occurs are eligible for reimbursement, so contact the

Administrator immediately but no later than within one day to discuss

alternate travel arrangements.

SECTION 10 – HOW TO MAKE A CLAIM

Once the Insured Person has cancelled his or her travel arrangements with

the travel agent or other travel supplier, call the Administrator at the

Customer Service phone number in section 11 to obtain a claim form.

The Insured Person will be required to submit a completed claim form and

provide documentation to substantiate the claim, including the following:

• original invoice, original tickets (including any unused coupons),

original vouchers, and original itinerary;

• Your Account statement and any other documentation necessary to

confirm that at least 75% of the costs of Eligible Expenses were

charged to Your Account and/or using Your Aeroplan points;

• proof that cancellation or interruption resulted from a Covered

Cause for Cancellation or from Covered Cause for Interruption, as

applicable. This may include a medical certificate, Physician’s

written statement or death certificate, reports from police,

Common Carrier or local authorities; and

• where the claim relates to a Medical Covered Cause for Interruption

or a Medical Covered Cause for Cancellation, a signed “Release of

Medical Information” authorization to allow Us to obtain any

further information required to complete the claim review.

The Insured Person will also be required to provide evidence of his or her

actual or planned departure date from his or her province or territory

of residence.

SECTION 11 – HOW TO CONTACT OUR ADMINISTRATOR

24 Hour Emergency Assistance Number

To make arrangements with respect to Trip Interruption or Trip

Cancellation, the Insured Person can call the Administrator twenty-four

hours a day, seven days a week at:

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

From elsewhere, call collect (416) 977-4425

Customer Service: Phone number

To enquire about these benefits, the Insured Person can call the

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

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

SECTION 12 – GENERAL CONDITIONS

Unless this Certificate or the Group Policy states otherwise, the following

conditions apply to Your coverage:

Proof of Loss

The appropriate claims forms together with written proof of loss must be

furnished as soon as reasonably possible, but in all events within one

(1)year from the date on which the loss occurred.

Review and Medical Examination

When a claim is being processed, We will have the right and the

opportunity, at Our own expense, to review all medical records related to

the claim and to examine the Insured Person medically when and as often

as may be reasonably required.

Subrogation

There may be circumstances where another person or entity should have

paid You for a loss but instead We paid You for the loss. If this occurs, You

agree to co-operate with Us so We may demand payment from the

person or entity who should have paid You for the loss. This may include:

• transferring to Us the debt or obligation owing to You from the

other person or entity;

• permitting Us to bring a lawsuit in Your name;

• if You receive funds from the other person or entity, You will hold

it in trust for Us;

• acting so as not to prejudice any of Our rights to collect payment

from the other person or entity.

We will pay the costs for the actions We take.

Other Insurance

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

recovery You have will pay first, and this insurance policy will be the last

to pay. The total benefits payable under all Your insurance, including this

Certificate, cannot be more than the actual expenses for a claim. If an

Insured Person is also insured under any other insurance certificate or

policy, We will coordinate payment of benefits with the other insurer.



Legal Action Limitation Period

Every action or proceeding against the insurer for the recovery of

insurance money payable under the contract is absolutely barred unless

commenced within the time set out in the Insurance Act (for actions or

proceedings governed by the laws of Alberta or British Columbia), The

Insurance Act (for actions or proceedings governed by the laws of

Manitoba), the Limitations Act, 2002 (for actions or proceedings governed

by the laws of Ontario), the Civil Code of Quebec (for actions or proceedings

governed by the laws of Quebec), or other applicable legislation.

False Claim

If You or an Insured Person makes a claim knowing it to be false or

fraudulent in any respect, neither You nor the Insured Person will be

entitled to the benefits of this coverage, nor to the payment of any claim

under the Group Policies.

Group Policies

All benefits under this Certificate are subject in every respect to the Group

Policies which alone constitute the agreements under which benefits will

be provided. The Group Policies are issued to The Toronto-Dominion Bank

(the “Bank”). The principal provisions of the Group Policies affecting

Insured Persons are summarized in this Certificate. The Group Policies are

on file at the office of the Bank.

COMMON CARRIER TRAVEL

ACCIDENT INSURANCE

Coverage under this Certificate is provided by:

TD Life Insurance Company (Insurer)

320 Front Street West, 3

Floor, Toronto, ON M5V 3B6

Administration services are provided by:

Allianz Global Assistance (Administrator)

P.O. Box 277, Waterloo, ON N2J 4A4

Phone: 1-866-374-1129 or (416) 977-4425

The Certificate below applies to the TD Aeroplan Visa Infinite Card which

will be referred to as a “TD Credit Card” throughout the Certificate:

Certificate of Insurance

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

Certificate under Master Policy #TGV009 (the “Policy”) issued to

The Toronto-Dominion Bank. This Insurance is administered by Allianz

Global Assistance (“Allianz”) through the Operations Centre. Allianz

administers the insurance on behalf of TD Life, and provides claims

assistance, claims payment and administrative services under the Policy.

This Certificate contains a clause which may limit the

amount payable.

Words in italics in this Certificate are defined in section 1.

Section 1 – Definitions

ACCIDENTAL BODILY INJURY(IES) means bodily injury which is accidental,

is the direct source of a Loss, is independent of disease, illness or other

cause and occurs while this Policy is in force.

ACCOUNT means Your TD Credit Card Account accessed using Your

TDCredit Card or TD Visa Cheque.

ACCOUNT HOLDER means the Primary Cardholder to whom the monthly

Account statement is issued, and who is a resident of Canada and any

Additional Cardholder who is a resident of Canada. The Account Holder

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

ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has

been issued at the authorization of the Primary Cardholder.

CERTIFICATE means this certificate of insurance.

COMA means a profound state of unconsciousness from which the Insured

Person cannot be aroused to consciousness even by powerful stimulation,

as determined by a physician. (Note: Coma benefits are available only to

Dependent Children.)

COMMON CARRIER means any licensed land, water or air conveyance

operated by those whose occupation or business is transportation of

persons or things without discrimination for hire. Should a Common Carrier

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

alternate transportation for its passengers, the definition 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 flights and publishes timetables and fares consistent with

Scheduled Airline practices and provided the aircraft is limited to fixed-wing

turbo-prop or jet Aircraft. Rafts, amusement park rides, jet skis, balloons,

ski lifts and hang-gliders are not considered to be a Common Carrier.

COVERED TRIP means travel on a Common Carrier, the fare for which is

fully charged to Your Account, or paid for either in full or partially using

Your Aeroplan points. If Your Aeroplan points have only partially paid for

Your Common Carrier fare, the balance of that fare must be fully charged

to Your Account.

DEPENDENT CHILD(REN) means those children residing with the Account

Holder, under the age of twenty-one (21) and unmarried, who are

primarily dependent upon the Account Holder for maintenance and

support. Dependent Children also means children beyond the age of

twenty-one (21) and unmarried, who are permanently, mentally and

physically challenged and incapable of self-support. Also included in the

definition of Dependent Children are the Account Holder’s Dependent

Children under the age of twenty-five (25) and unmarried, who are

classified as full-time students at an institution of higher learning.

IMMEDIATE FAMILY MEMBER means the Spouse, parents, grandparents,

children age eighteen (18) and over, brother or sister of the Insured Person.

INSURED PERSON means the Account Holder, as well as the Account

Holder’s Spouse and Dependent Children whose name is on a ticket or a

rental agreement.

LOSS means the types of Accidental Bodily Injuries listed in section 4 and

for which this insurance provides coverage.

PRIMARY CARDHOLDER means a person who applied for a TD Credit Card,

whose name is on the Account and to whom a TD Credit Card has been

issued.

PERMANENT TOTAL DISABILITY means that the Accidental Bodily Injuries

sustained in a covered accident solely and directly:

1) prevent the Insured Person from performing all the substantial and

material duties of the Insured Person’s occupation; and

2) causes a condition which is medically determined, by a physician

approved by Allianz, to be of continuous and indefinite duration;

and

3) require the continuous care of a physician, unless the Insured

Person has reached his/her maximum point of recovery; and

4) prevent the Insured Person from engaging in any gainful

occupation for which the Insured Person is qualified, or could be

qualified, by reason of education, training, experience, or skill.

The Permanent Total Disability must have existed for twelve

(12)consecutive months.

(Note: Permanent Total Disability benefits are not available to

Dependent Children.)

RENTAL CAR means a four-wheel private passenger motor vehicle

designed for travel on public roads and rented from a licensed rental

company for no more than forty-eight (48) consecutive days. It does not

include trucks, trailers, campers, recreational vehicles or motor vehicles

propelling or towing a trailer or any other object, off-road vehicles

(meaning any vehicle used on roads that are not publicly maintained),

vans, or mini vans that are manufactured to seat more than eight

(8)occupants (including the driver) or when the vehicle is used to carry,

haul or transport any type of cargo or property or passengers for hire.

SPOUSE means either a person to whom the Account Holder is lawfully

married, or the common-law spouse of an Account Holder. Common-law

spouse shall mean a person (of the same or opposite sex) who has been

living with the Account Holder continuously for at least one year and is

publicly represented as the Account Holder’s partner.

Section 2 – Common Carrier Accident Coverage

Benefits will be paid as specified in the Schedule of Benefits below if an

Insured Person suffers a Loss arising from and occurring on a Covered Trip

while the Insured Person is:

1) riding as a passenger in or entering or exiting any Common

Carrier; or

2) at the airport, terminal or station, at the beginning or end of the

Covered Trip.

If the purchase of the Common Carrier passage fare is not made prior to

the Insured Person’s arrival at the airport, terminal or station, coverage

begins at the time the entire Common Carrier passage fare is charged to

the Insured Person’s Account.

Coverage includes circumstances arising from and occurring on a Covered

Trip while the Insured Person is riding as a passenger in, entering or

exiting any Common Carrier, while travelling directly to or from the

airport, terminal, or station;

1) immediately preceding the departure of the scheduled Common

Carrier conveyance on which the Insured Person has purchased

passage; and

2) immediately following the arrival of the scheduled Common Carrier

conveyance on which the Insured Person was a passenger.

Section 3 – Rental Car Accident Coverage

Benefits will be paid as specified in the Schedule of Benefits below if an

Insured Person suffers a Loss while operating or riding as a passenger in,

or boarding or alighting from any Rental Car provided that:

(a) the cost of the Rental Car was fully charged to Your Account; or paid

either in full or partially using Your Aeroplan points. If Your Aeroplan

points have only partially 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

influence of any narcotic unless prescribed by a licensed physician.

The maximum benefit payable for any one Rental Car Accident is

$2,000,000 in total.

Section 4 – Schedule of Benefits and Important Conditions

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

the single largest benefit amount applicable to the Loss suffered is payable.

The following benefits are provided if the Loss occurs as a result of an

accident within one year from the date of the accident:

A. Accidental Death or Dismemberment, Loss of Sight,

Speech or Hearing and Paralysis Benefits

Accidental Loss of Benefit Amount

Life $500,000

Speech and Heari ng $500,000

Both Hands or Both Feet or Si ght of Both Eyes or a

Combination of a Hand, a Foot or Si ght of One Eye $500,000

One Arm or One Leg $375,000

One Hand or One Foot or Si ght of One Eye $333,350

Speech or Heari ng $333,350

Thumb and Index Finger of the same Hand $166,650

Paralysis

Quadriplegia (complete paralysi s of both

upper and lower l imbs) $500,000

Paraplegia (complete paralysis of both lower l imbs) $500,000

Hemiplegia (complete paralysi s of upper and

lower limbs of one si de of body) $500,000

“Loss” with reference to hand or foot means complete severance through

or above the knuckle joint of at least four fingers of the same hand or

three fingers and a thumb of the same hand or the ankle joint; with

reference to arm or leg means complete severance through or above the

elbow or knee joint; with reference to sight of an eye means the

permanent loss of vision in one eye; and with reference to thumb and

index finger means complete severance through or above the knuckle

joints of the thumb and index finger.

“Loss” with reference to speech means the permanent and irrecoverable

loss of the capability of speech without the aid of mechanical devices;

with reference to hearing means the permanent and irrecoverable loss of

hearing in both ears.

“Paralysis” means complete and irreversible loss of all motion of all

practical use of an arm or leg provided the loss is continuous for twelve

(12) consecutive months.

B. Permanent Total Disability and Coma Benefits

Loss Benefit Amount

Permanent Total Disability $500,000

Coma $500,000

(i) Permanent Total Disability benefits are available only to you and your

Spouse. Benefit amount (less any amount paid under sections 4(A)

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

Disability within three hundred and sixty-five (365) days after the

date of the accident and the Permanent Total Disability continues for

twelve (12)consecutive months.

(ii) Coma benefits are available only to Your Dependent Child(ren). An

elimination period of thirty-one (31) days applies, which commences

on the date the Dependent Child(ren) enter into a Coma. Coma

benefits are not payable, nor do they accrue, during an elimination

period. The Coma benefit amount is payable monthly at a rate of 1%

of the benefit amount shown above until the earliest of: 1) the date

the Dependent Child dies; 2) the date the Dependent Child is no

longer in a Coma; or 3) total payments equal the Coma benefit

amount shown above. If the Dependent Child dies as a result of the

accident during the period for which this Coma benefit is payable, we

will pay a lump sum equal to the Dependent Child’s loss of life benefit

amount, less Coma benefit amounts already paid.

C. Exposure and Disappearance

(i) When by reason of an accident described in section 2, the Insured

Person is unavoidably exposed to the elements and as a result of

such exposure suffers a Loss, the amount set out in the Schedule

of Benefits shall be paid.

(ii) If the Insured Person has not been found within one (1) year of

the disappearance, stranding, sinking, wrecking or breakdown of a

Common Carrier in which the Insured Person was covered as an

occupant, it will be assumed that the Insured Person has suffered a

loss of life.

Section 5 – Special Benefits

A. Family Transportation Benefit

(i) When an Insured Person is confined as an in-patient in a hospital

due to Accidental Bodily Injuries that result in a Loss, TD Life will

pay for the expenses incurred to transport an Immediate Family

Member of the Insured Person to the hospital. Such personal

attendance must be recommended by an attending physician, and

such transportation must be via Common Carrier on the most direct

route available.

(ii) When an Insured Person’s loss of life results in a loss of life benefit

amount being payable, TD Life will pay for the expenses incurred

by an Immediate Family Member of the Insured Person for

transportation to the place where the Insured Person’s body is

located for the purpose of identifying the Insured Person’s body.

Such transportation must be via Common Carrier on the most

direct route available.

The maximum Family Transportation Benefit payable is $5,000 per

Insured Person who is hospitalized as described above.

B. Repatriation Benefit

When Accidental Bodily Injuries result in a loss of life benefit amount

being payable, and the loss of life occurs at least 100 kilometres from the

Insured Person’s permanent city of residence, TD Life will pay for the cost

of preparation and transportation of Insured Person’s body to such place

of residence. The maximum Repatriation Benefit payable is $10,000 per

loss of life.

C. Rehabilitation Benefit

When Accidental Bodily Injury results in a Loss, an additional amount will

be paid for covered Rehabilitation expenses. Covered expenses are the

reasonable and necessary expenses actually incurred up to a maximum of

$10,000 for treatment by a therapist or confinement in an institution of

an Insured Person provided:

(i) such treatment is required in order to retrain the Insured Person for

work in any gainful occupation, including the Insured Person’s

regular occupation; and

(ii) expenses are incurred within two (2) years from the date of the

accident. No payment will be made for ordinary living, travelling or

clothing expenses.

Section 6 – Payment of Benefits

The loss of life benefit of an Account Holder will be paid to the designated

beneficiary. This choice must be in writing and filed with Allianz. All other

benefit amounts for Losses suffered by the Account Holder are paid to the

Account Holder.

The loss of life benefit of a Spouse or Dependent Child will be paid to the

Account Holder, if living, otherwise to the designated beneficiary. This

choice must be in writing and filed with Allianz. All other benefit 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 beneficiary, or if there is no

beneficiary alive when the Insured Person dies, TD Life will pay the benefit

amount to the Account Holder’s estate.

Section 7 – Exclusions

This Policy does not cover Loss caused by or resulting from any of

the following:

a) Loss occurring while the employee is in, entering or exiting any

aircraft while acting or training as a pilot or crew member.

b) Loss resulting from suicide, attempted suicide or loss that is

intentionally self-inflicted.

c) Loss caused by or resulting from a declared or undeclared war, but

war does not include acts of terrorism.

d) Loss caused by bacterial infection except bacterial infection of an

Accidental Bodily Injury, or if death results from the accidental

ingestion of a substance contaminated by bacteria.

Section 8 – Making a Claim

Written Notice of Claim must be given to Allianz Global Assistance,

P.O. Box 277, Waterloo, Ontario, N2J 4A4 within thirty (30) days after

the occurrence or commencement of any Loss covered by this Policy or as

soon as reasonably possible. Notice must include enough information to

identify the Insured Person and Account. Failure to give Notice of Claim

within thirty (30) days will not invalidate or reduce any claim if notice is

given as soon as reasonably possible.

Written Proof of Loss must be given to Allianz within ninety (90) days

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

At the time of a claim, Allianz 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

conflict with the applicable statutes, laws or regulations of the province or

territory in which this Policy is issued are amended to conform to such

statutes.

PHYSICAL EXAMINATION AND AUTOPSY: Allianz has the right to have the

Insured Person examined by a physician approved by Allianz, as often as

reasonably necessary while a claim is pending. Allianz may also have an

autopsy done, unless prohibited by law. Any examinations or autopsies

that we require will be done at Allianz’s expense and by a physician.

MASTER POLICY: This Certificate is a description of coverage provided by

Policy #TGV009 issued to The Toronto-Dominion Bank. All terms and

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

certificates or TD Credit Cards entitle an Insured Person to benefits in

excess of those described herein for any Loss sustained.

DELAYED AND LOST BAGGAGE INSURANCE

Coverage under this Certificate is provided by:

TD Home and Auto Insurance Company (Insurer)

320 Front Street West, 3rd Floor, Toronto, ON M5V 3B6

Administration services are provided by:

Allianz Global Assistance (Administrator)

P.O. Box 277, Waterloo, ON N2J 4A4

Phone: 1-866-374-1129 or (416) 977-4425

The Certificate below applies to the TD Aeroplan Visa Infinite Card which

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

Certificate:

This Certificate contains a clause which may limit the

amount payable.

Certificate of Insurance

The terms of the Delayed and Lost Baggage Group Policy #TDVB112008

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

Company (“Insurer”) to The Toronto-Dominion Bank are described in

this Certificate.

Our Administrator administers the insurance on behalf of TD Home and

Auto Insurance Company, and provides claims assistance, claims payment

and administrative services under the Group Policy.

Words in italics in this Certificate are defined in section 1.

Section 1 – Definitions

ACCOUNT(S) means Your TD Credit Card Account accessed using Your

TDCredit Card or TD Visa Cheque.

ACCOUNT HOLDER means the Primary Cardholder to whom the monthly

Account statement is issued and who is a resident of Canada, and any

Additional Cardholder who is a resident of Canada. The Account Holder

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

ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has

been issued at the authorization of the Primary Cardholder.

ADMINISTRATOR means the service provider arranged by the Insurer to

provide claims payment and administrative services under the Policy.

BAGGAGE DELAY means a Covered Person’s Checked Baggage is delayed

by more than six (6) hours from the Covered Person’s time of arrival at

the Final Destination.

CERTIFICATE means this certificate of insurance.

CHECKED BAGGAGE means suitcases or other containers specifically

designated for carrying personal belongings, for which a baggage claim

check has been issued to the Covered Person by a Common Carrier.

COMMON CARRIER means any land, air, or water conveyance which is

licensed to carry passengers for compensation and which undertakes to

carry all persons indifferently who may apply for passage, so long as

there is room, and there is no legal excuse for refusal.

COVERED PERSON means the Account Holder, Spouse or Dependent

Children whose name is on the Ticket, or, if no name is on the Ticket, for

whom a Ticket has been purchased.

DEPENDENT CHILDREN means any natural child (legitimate or

illegitimate), any legally adopted child, any step-child or any child

dependent upon the Account Holder in a “parent-child” relationship for

maintenance and support who is:

(i) under the age of twenty-one (21) years and unmarried, or

(ii) under the age of twenty-five (25) years, unmarried and in full

time attendance at an institution of higher learning, or

(iii) by reason of mental or physical infirmity, incapable of self-

sustaining employment and totally dependent upon the Account

Holder for support within the terms of the Income Tax Act.

ESSENTIAL ITEMS means essential clothing and toiletries that the Covered

Person was carrying in the baggage, which the Covered Person must

replace during the period of Baggage Delay.

FINAL DESTINATION means the away-from-home ticketed destination for

any particular day of travel, as shown on Your Ticket.

PRIMARY CARDHOLDER means a person who applied for a TD Credit Card,

whose name is on the Account and to whom a TD Credit Card has been

issued.

SPOUSE means the person who is (i) lawfully married to the Account

Holder or (ii) the person who has been living with the Account Holder for

a continuous period of at least one year and who is publicly represented

as the Account Holder’s Spouse.

TICKET means evidence of the fare paid for travel on a Common Carrier

and at least 75% of the cost paid (1) by charge to Your Account, (2) by

redemption of Aeroplan points or (3) by a combination of (1) and (2).

Section 2 – Who is covered

The Account Holder, the Account Holder’s Spouse, and the Account Holder’s

Dependent Children whose name is on a Ticket, or if no name is on a

Ticket, for whom the Ticket has been purchased.

Section 3 – What are the Coverages

A. Delayed Baggage

In the event of Baggage Delay, You will be reimbursed for the cost to

replace Essential Items provided those purchases are made before the

baggage is returned to the Covered Person but in no event more than

ninety-six (96) hours after arriving at the Final Destination.

B. Lost Baggage

In the event the Common Carrier never locates the Covered Person’s

Checked Baggage, You will be reimbursed for the portion of the

replacement cost of lost personal property that is not paid by the Common

Carrier or other insurance.

The total benefits payable in respect of sub-sections A and B are subject

to a maximum of $1,000 per Covered Person per Trip.

To activate coverage, use Your Card to pay at least 75% of the Ticket cost.

Coverage will be in force while baggage is in the custody of the Common

Carrier.

Section 4 – Termination of Coverage

Coverage terminates on the earliest of the following:

1) When Your Account is closed;

2) When Your Account is ninety (90) or more days past due, but

coverage is automatically reinstated when the Account is returned

to good standing;

3) When the Policy is cancelled except that the Insurer will remain

liable for the claim if the event giving rise to the claim occurred

prior to the effective termination date and the claim is otherwise

valid.

Section 5 – Exclusion and Limitations

No coverage is provided for:

Losses occurring when the Checked Baggage is delayed on a Covered

Person’s return home to their province or residence; expenses incurred

more than ninety-six (96) hours after arriving at the Final Destination

shown on the Ticket; expenses incurred after the Checked Baggage is

returned to the Covered Person; losses caused by or resulting from any

criminal act by the Covered Person; baggage not checked; baggage held,

seized, quarantined or destroyed by customs or government agency;

money; securities; credit cards and other negotiable instruments; tickets

and documents.

Section 6 – Claims

The Account Holder must furnish the Insurer with proof of claim. This shall

include a signed loss report.

(A) Initial Notification

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

Plan, You must give notice by contacting the Administrator within

forty-five (45) days from the date of the occurrence of the delay.

Call toll-free between 8:00 a.m. and 8:00 p.m. Eastern Time, Monday to

Saturday: 1-866-374-1129 or (416) 977-4425

The Covered Person will be asked to provide or, if writing, should provide:

• name, address, and telephone number;

• Account number;

• the date, time and place of the occurrence of the delay or loss; and

• the amount of the claim.

(B) Written Proof

In the event of a claim covered under the Delayed/Lost Baggage Plan, a

loss report will be mailed by the Administrator to the Covered Person. You

should complete it in full and return it within ninety (90) days from the

date of occurrence of the delay or loss.

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

• a copy of the Ticket;

• a copy of the baggage claim ticket;

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

for the cost of the Ticket and/or proof of redemption;

• a copy of a statement from Your homeowner’s or tenant’s

insurance carrier indicating the extent to which You have been

reimbursed for any items permanently lost with Your baggage;

• itemized receipts for actual expenses incurred for essential clothing

and toiletries;

• written statement from the Common Carrier confirming all of the

following specifics:

• date and time of delay or loss;

• date and time that baggage was returned, or if not returned, a

statement of the amount of liability accepted by the Common

Carrier, if any;

• reason or circumstances surrounding the delay or loss; and

• any other information reasonably required by the Insurer.

Section 7 – General Conditions

Legal Action Limitation Period

No legal action may be brought to recover on the Policy until sixty

(60)days after the Insurer has been given written proof of loss. 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

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

recovery You have will pay first, and this insurance policy will be the last

to pay. The total benefits payable under all Your insurance, including this

Certificate, cannot be more than the actual expenses for a claim. If an

Insured Person is also insured under any other insurance certificate or

policy, We will coordinate payment of benefits with the other insurer.

Subrogation with Respect to Lost Baggage

As a condition to the payment of any claim to an Account Holder under the

Policy, the Account Holder and/or any Covered Person shall, upon request,

transfer or assign to the Insurer all legal rights against all other parties for

the loss. The Account Holder shall give the Insurer all such assistance as

the Insurer may reasonably require to secure its rights and remedies,

including the execution of all documents necessary to enable the Insurer

to bring suit in the name of the Account Holder and/or Covered Person.

Benefits Account Holder Only

This protection shall inure ONLY to the benefit of the Account Holder. No

other person or entity shall have any right, remedy or claim, either legal

or equitable to the benefits.

False Claim

If an Account Holder makes any claim knowing it to be false or fraudulent

in any respect, such Account Holder shall no longer be entitled to the benefits

of this protection nor to the payment of any claim made under the Policy.

Policy

This Certificate is not a policy of insurance. In the event of any conflict

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

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

multiple certificates or TD Credit Cards entitle a Covered Person to benefits

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

EMERGENCY TRAVEL ASSISTANCE SERVICES

Emergency Travel Assistance Services under

this Certificate is provided by:

Allianz Global Assistance (Administrator)

P.O. Box 277, Waterloo, ON N2J 4A4

Phone: 1-866-374-1129 or (416) 977-4425

Provided by our Administrator under a service agreement

with TD Life Insurance Company.

This is not an insurance benefit but assistance services only.

The Coverage Certificate below applies to the TD Aeroplan Visa Infinite

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

Certificate:

Important Note

The following describes assistance services only, not insurance benefits.

Any payments made by our Administrator will be charged to your

TDCredit Card, subject to credit availability, unless you make other

arrangements to reimburse our Administrator.

Multilingual Assistance Coordinators are on call 24 hours a day.

Our Administrator Assistance Coordinators are supported by a network of

medical professionals including physicians experienced in emergency

medical assistance.

For Emergency Assistance 24 Hours A Day:

In Canada and U.S.A., Call 1-866-374-1129

In Other Countries, Call Collect (416) 977-4425

1 – Medical Assistance Services

Medical Referrals

If a medical emergency arises while travelling, you can contact our

Administrator Emergency Assistance Centre and you will be referred to the

nearest designated physician or medical facility.

Medical Consultation and Monitoring

Our Administrator’s network of medical professionals is available 24 hours

a day, 365 days a year, to consult with your attending physician to ensure

that your medical needs are being met. Our Administrator’s network of

medical professionals is experienced in working with physicians outside of

Canada to determine the adequacy of care being received and the need

for further assistance.

Medical Transportation

When our Administrator, in consultation with its network of medical

professionals and in conjunction with your attending physician, determine

that transfer to another medical facility is necessary, our Administrator

will coordinate all aspects of the transport to and from the hospital and

airport, at the point of departure and arrival. Our Administrator Assistance

Coordinators will arrange for qualified medical accompaniment, if necessary.

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

other insurer, nor our Administrator is responsible for the availability,

quality or results of any medical treatment you receive or fail to receive

for any reason.

2 – Payment Assistance

Our Administrator can assist you in arranging or coordinating payment

(over $200) to emergency medical or hospital service providers.

Full liability for payment of these services will, however, rest with you.

3 – Travel Assistance Services

Legal Assistance

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

Emergency Cash Transfer

In the event of theft, loss or emergency, our Administrator can assist you

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

Lost Document and Ticket Replacement

In the event of theft or loss, our Administrator can assist you to replace

the necessary travel documents or tickets.

Lost Luggage Assistance

In the event of theft or loss, our Administrator can assist you to locate or

replace luggage and personal effects.

TD Aeroplan Visa Infinite Cardholders are also eligible for Delayed and

Lost Baggage Insurance; however, this coverage is entirely separate (see

your Coverage Certificate in this Document for details).

Translation Services

Our Administrator can provide immediate translation services in an

emergency situation.

Our Administrator will make a good faith effort to provide these services,

however, it has no liability to you if local laws, insurrection, epidemic,

unavailability of health care providers, strikes, severe weather, geographic

inaccessibility or other factors beyond their control delay, interfere or

prevent the provision of these services.

AUTO RENTAL COLLISION/LOSS DAMAGE

INSURANCE

Coverage under this Certificate is provided by:

TD Home and Auto Insurance Company (Insurer)

320 Front Street West, 3rd Floor, Toronto, ON M5V 3B6

Administration services are provided by:

Allianz Global Assistance (Administrator)

P.O. Box 277, Waterloo, ON N2J 4A4

Phone: 1-866-374-1129 or (416) 977-4425

The Certificate below applies to the TD Aeroplan Visa Infinite Card which

will be referred to as a “TD Credit Card” throughout the Certificate.

This Certificate contains a clause which may limit the

amount payable.

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.

Certificate of Insurance

Please read this Certificate carefully. It outlines what Collision/

Loss Damage Insurance is and what is covered along with the conditions

under which a payment will be made when You rent and operate a rental

vehicle but do not accept the Collision Damage Waiver (CDW) or its

equivalent offered by the Rental Agency. It also provides instructions on

how to make a claim. This Certificate should be kept in a safe place and

carried with You when You travel.

TD Home and Auto Insurance Company (referred to in this Certificate as

the “Company”) provides the insurance for this Certificate under

PolicyTDV092010 (referred to in this Certificate as the “Policy”).

Our Administrator administers the insurance on behalf of TD Home and

Auto Insurance Company, and provides claims assistance, claims payment

and administrative services under the Group Policy.

This Certificate is not a contract of insurance. It contains only a

summary of the principal provisions of the Policy.

All benefits are subject in every respect to the Policy which alone

constitutes the Agreement under which payments are made.

This coverage may be cancelled, changed or modified at the option of the

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

Primary Cardholder.

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

defined below:

ACCOUNT means Your TD Credit Card Account accessed using Your

TDCredit Card or TD Visa Cheque.

ACCOUNT HOLDER means the Primary Cardholder to whom the monthly

Account statement is issued and who is a resident of Canada, and any

Additional Cardholder who is a resident of Canada. The Account Holder

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

ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has

been issued at the authorization of the Primary Cardholder.

ADMINISTRATOR means the service provider arranged by the Company to

provide claims payment and administrative services under the Policy.

CAR SHARING means a car rental club which gives its members 24 hour

access to a fleet of cars parked in a convenient location.

CARDHOLDER means the Primary Cardholder and any Additional

Cardholder in accordance with the Cardholder Agreement.

CERTIFICATE means this certificate of insurance.

INSURED PERSON means (1) You the Cardholder, who presents himself

(herself) in person at the Rental Agency, signs the rental contract,

declines the Rental Agency’s CDW or its equivalent and takes possession

of the rental vehicle and who complies with the terms of this Policy.

(2) Any other person who drives the same rental vehicle with Your

permission whether or not such person has been listed on the rental

vehicle contract or has been identified to 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 means a person who has applied for a TD Credit

Card, whose name is on the Account and to whom a TD Credit Card has

been issued.

RENTAL AGENCY means an auto Rental Agency licensed to rent vehicles

and which provides a rental agreement. For greater certainty, throughout

this Certificate of Insurance the terms ‘rental company’ and ‘rental agency’

refer to both traditional auto rental agencies and Car Sharing Programs.

RENTAL AGENCY’S CDW means an optional Collision Damage Waiver

(CDW) or similar coverage offered by car rental companies that relieves

renters of financial responsibility if the car is damaged or stolen while

under rental contract. Rental Agency’s CDW is not insurance.

TAX-FREE CAR means a tax-free car package that provides tourists with a

short-term (17 days to 6 months), tax-free vehicle lease agreement with

a guaranteed buyback. The Collision/Loss Damage Insurance program will

not provide coverage for Tax-free cars.

YOU/YOUR means a TD Credit Cardholder whose name is embossed on

the TD Credit Card or who is authorized to use the TD Credit Card in

accordance with the Cardholder Agreement.

A. Collision/Loss Damage Insurance at a Glance

• Only the Cardholder may rent a vehicle and decline the Rental

Agency’s collision damage waiver (CDW) or an equivalent

coverage offering. This coverage applies only to the Insured

Person’s personal and business use of the rental vehicle.

• Your TD Credit Card must be in good standing.

• You must initiate and complete the entire rental transaction with

the same TD Credit Card.

• The full cost of the rental must be charged to Your TD Credit Card

to activate coverage.

• Coverage is limited to one rental vehicle at a time, i.e., if during

the same period there is more than one vehicle rented by the

Cardholder, only the first rental will be eligible for these benefits.

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

exceed forty-eight (48) consecutive days, which follow one

immediately after the other. In order to break the consecutive day

cycle, a full calendar day must exist between rental periods. If the

rental period exceeds forty-eight (48) consecutive days, coverage

will not be provided from the first day onwards, i.e. coverage will

not be provided for either the first 48 consecutive days or any

subsequent days. Coverage may not be extended for more than

forty-eight (48) days by renewing or taking out a new rental

agreement with the same or another Rental Agency for the same

vehicle or another vehicle.

• Coverage is limited to loss/damage to, or theft of a rental vehicle

only up to the rental vehicle’s actual cash value plus valid Loss of

Use charges.

• The Cardholder must decline on the rental contract the CDW option

or its equivalent offered by the Rental Agency. (The Collision/Loss

Damage Insurance coverage does not pay for the premium charged

by the Rental Agency for the CDW offered by the Rental Agency.)

• Most vehicles are covered by the Policy. (A list of vehicles excluded

from this coverage is outlined in the section “Types of

Vehicles Covered”.)

• The Collision/Loss Damage Insurance Program will provide

coverage to Cardholders when the full cost of each rental of a

vehicle (per use and mileage charges) is paid for using Your

TDCredit Card and the Car Sharing Program’s Collision/Loss

Damage Insurance is declined.

• Coverage is available except where prohibited by law.

• Claims must be reported within forty-eight (48) hours of the

damage/loss occurring by calling 1-866-374-1129 (when in

Canada or the United States) or, call collect (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

forty-eight (48) consecutive days. If You rent the same vehicle or vehicles

for more than forty-eight (48) consecutive days, no coverage is provided

for any part of your rental period.

This coverage does NOT include loss arising directly or indirectly from:

1. a replacement vehicle for which Your personal automobile

insurance is covering all or part of the cost of the rental;

2. third party liability;

3. personal injury or damage to property, except the rental vehicle

itself or its equipment;

4. the operation of the rental vehicle at any time during which any

Insured Person is driving while intoxicated or under the influence of

any narcotic;

5. any dishonest, fraudulent or criminal act committed by any Insured

Person;

6. wear and tear, gradual deterioration, or mechanical or electrical

breakdown or failure, inherent vice or damage, insects or vermin;

7. operation of the rental vehicle in violation of the terms of the

rental agreement except:

(a) Insured Persons as defined, may operate the rental vehicle;

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

gravel roads;

boundaries in Canada and the U.S. and between Canada

and the U.S.

N.B. It must be noted that loss/damage arising while the

vehicle is being operated under (a), (b) or (c) above is

covered by this insurance. However, the Rental Agency’s third

party insurance will not be in force and, as such, You must

ensure that You are adequately insured privately for third

party liability.

8. seizure or destruction under a quarantine or customs regulations

or confiscated by order of any government or public authority;

9. transportation of contraband or illegal trade;

10. war, hostile or warlike action, insurrection, rebellion, revolution,

civil war, usurped power, or action taken by government or public

authority in hindering, combatting or defending against such action;

11. transportation of property or passengers for hire;

12. nuclear reaction, nuclear radiation, or radioactive contamination;

13. intentional damage to the rental vehicle by an Insured Person.

C. Who is Eligible for Coverage?

Insured Persons as defined provided that:

1. Your Card Account privileges have not been terminated or

suspended, and/or

2. Your Card Account is not more than ninety (90) days past due.

D. Coverage Activation

For coverage to be in effect, You must:

1. Use Your TD Credit Card to pay for the entire rental from a

Rental Agency.

2. Decline the Rental Agency’s CDW option or similar coverage

offered by the Rental Agency on the rental contract. If there is no

space on the vehicle rental contract for You to indicate that You

have declined the coverage, then indicate in writing on the

contract “I decline CDW provided by this merchant”.

• Rental vehicles which are part of prepaid travel packages are

also covered if the total package was paid by Your TD Credit

Card.

• You are covered if You receive a “free rental” as a result of a

promotion where You have had to make previous vehicle

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 the Aeroplan program for the number of days of free

rental (or similar TD Credit Card program). 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 Aeroplan points are used to obtain the

rental. However, if only a partial payment is paid using Your

Aeroplan points, the entire balance of that rental must be paid

using Your TD Credit Card in order to be covered.

E. Coverage Termination

There is NO Coverage when:

1. The Rental Agency reassumes control of the rental vehicle.

2. This Policy is cancelled.

3. Your rental period is more than forty-eight (48) consecutive days,

or Your rental period is extended for more than forty-eight (48)

consecutive days by renewing or taking out a new rental

agreement with the same or another Rental Agency for the same

vehicle or other vehicles.

4. Your TD Credit Card is cancelled or Card privileges are otherwise

terminated.

F. Where Coverage is Available

This coverage is available on a 24-hour basis unless precluded by law or

the coverage is in violation of the terms of the rental contract in the

jurisdiction in which it was formed (other than under section B, Part 7 (a)

(b) or (c) above).

(See the section on “Helpful Hints” for tips on locations where use of

this coverage may be challenged and what to do when a Rental Agency

makes the rental or return of a vehicle difficult.)

G. Types of Vehicles Covered

The types of rental vehicles covered include:

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

automobile manufacturer and classified by the manufacturer or a

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

(8) people including the driver and which are used exclusively for the

transportation of passengers and their luggage) except those excluded below.

The following vehicles are NOT covered:

1. vans, cargo vans or mini cargo vans (other than Mini-Vans as

described above);

2. trucks, pick-up trucks or any vehicle that can be spontaneously

reconfigured into a pick-up truck;

3. limousines;

4. off-road vehicles – meaning any vehicle used on roads that are

not publicly maintained roads unless used to ingress and egress

private property;

5. motorcycles, mopeds or motor bikes;

6. trailers, campers, recreational vehicles or vehicles not licensed for

road use;

7. vehicles towing or propelling trailers or any other object;

8. mini-buses or buses;

9. any vehicle with a Manufacturer’s Suggested Retail Price (MSRP)

excluding all taxes, over sixty-five thousand dollars ($65,000)

Canadian, at the time and place of loss.

10.exotic vehicles, meaning vehicles such as Aston Martin, Bentley,

Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen,

Lamborghini, Lotus, Maserati, Porsche, Rolls Royce;

11. any vehicle which is either wholly or in part hand made, hand

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

12.antique vehicles, meaning a vehicle over twenty (20) years old or

which has not been manufactured for ten (10) years or more.

13. Tax-free cars.

Luxury vehicles such as BMW, Cadillac, Lincoln and Mercedes Benz are

covered as long as they meet the above requirements.

IN THE EVENT OF AN ACCIDENT/THEFT

• Within forty-eight (48) hours, call the Administrator toll-free

1-866-374-1129 if You are in Canada or the United States or

call collect (416) 977-4425. 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

1-519-742-9471. Original documentation may also be required

in some instances. (If You have any questions, are having any

difficulties, or would like the claims Administrator to be involved

immediately, call the number provided above).

• If You will be making the claim, You must call the claims

Administrator within forty-eight (48) hours of the damage/theft

having occurred. Your claim must be submitted with as much

documentation, requested below, as possible within forty-five

(45)days of discovering the loss/damage. You will need to

provide all documentation within ninety (90) days of the date of

damage or theft to the claims Administrator.

• 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 and/or proof of redemption;

– the original copy of the vehicle rental agreement

– accident or damage report, if available

– the itemized repair bill, or if not available, a copy of the

estimate

– receipt for paid repairs

– police report, when available

– copy of Your billing or pre-billing statement if any repair

charges were billed to Your account

Under normal circumstances, the claim will be paid within fifteen

(15)days after the claims Administrator has received all necessary

documentation. If the claim cannot be assessed on the basis of the

information that has been provided, it will be closed.

After the Company has paid Your claim, Your rights and recoveries will be

transferred to the Company to the extent of the Company’s payment for

the loss/damage incurred when the rental vehicle was Your responsibility.

This means the Company will then be entitled, at its own expense, to sue

in Your name. If the Company chooses to sue another party in Your name,

You must give the Company all the assistance the Company may

reasonably require to secure its rights and remedies. This may include

providing Your signature on all necessary documents that enable the

Company to sue in Your name.

Once You report damage, loss or theft, a claim file will be opened and will

remain open for six (6) months from the date of the damage or theft.

Payment will only be made on a claim or any part of a claim that is

completely substantiated as required by the claims Administrator within

six (6) months of the date of loss/damage.

You should use due diligence and do all things necessary to avoid or

reduce any loss or damage to property protected by this Collision/Loss

Damage Insurance.

If You make a claim knowing it to be false or fraudulent in any respect,

You will not be entitled to the benefits of this protection, nor to the

payment of any claim made under this Policy.

H. Legal Action Limitation Period