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

TD First Class Travel®

Visa Infinite*

Cardholder

Agreement and

Benefit Coverages

Guide

The

TD First Class Travel

Visa Infinite

Cardholder Agreement

and Benefit Coverages Guide

This document contains important

and useful information about your

TD First Class Travel Visa Infinite Card.

Please keep this document in a

secure place for future reference.

A copy of this document

is also available online at

tdcanadatrust.com

for future reference.

This document includes:

• TD First Class Travel

Visa Inﬁnite* Cardholder Agreement

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

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• Using the Account 2

• Unauthorized Transactions 3

• Credit Limit and Overlimit 4

• Minimum Payment 4

• Payment Due Date 4

• Grace Period and Interest 4

• Foreign Currency Transactions 6

• Statements 6

• How We Communicate with You 7

• Lost or Stolen Cards 7

• Making Payments 7

• How We Apply Payments 7

• Our Rights if you do not Follow this Agreement 8

• Payments and Credits 9

• Ownership of Card 9

• Responsibility for Services 9

• Electronic Services; Use and Protection of a Card,

PIN or Password 9

• Limits on our Damages 10

• Pre-Authorized Payments 11

• Cancelling Additional Cardholder Cards 11

• Changes to this Agreement and the Account 11

• Transfer of Rights 12

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

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• Liability 12

• Headings 12

• Enforceability 12

• What Law Applies 12

• Language (For Quebec Only) 12

• Privacy Agreement 12

• If You Have a Problem or Concern 17

• Travel Rewards Program Terms and Conditions 17

• Travel Medical Insurance 25

• Trip Cancellation/Trip Interruption Insurance Certiﬁcate 39

• Common Carrier Travel Accident Insurance Certiﬁcate 54

• Delayed and Lost Baggage Insurance Certiﬁcate 60

• Emergency Travel Assistance Services 65

• Auto Rental Collision/Loss Damage Insurance Certiﬁcate 66

• Purchase Security and Extended Warranty Protection 74

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

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

including when you use the Card or Account.

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

have received and read both this Cardholder Agreement and the

Disclosure Statement that together form the Agreement between

you and the Bank.

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

to time. This Agreement replaces any previous Agreement between you

and the Bank.

1. DEFINITIONS

What these key words mean in this Agreement:

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

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

request of the Primary Cardholder.

Agreement means this Cardholder Agreement and the Disclosure

Statement for the Account.

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

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

Limit and the Balance that is owed on the Account.

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

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

payments or other credits posted to your Account.

Balance Transfer means a Transaction where you request us to transfer

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

The other credit card account cannot be an account with the Bank. A

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

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

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

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

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

any additional terms we set out in the promotional offer will also apply to

that Balance Transfer.

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

renewal or replacement of that credit card.

Cardholder means the Primary Cardholder and any Additional Cardholder.

Cash Advance means a Transaction where you withdraw cash from the

Account including through:

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

online or mobile device;

• our branches and at other ﬁnancial institutions;

• a Balance Transfer;

• a TD Visa Cheque; or

• a Cash-Like Transaction.

Cash-Like Transaction means a Transaction to purchase items that are

similar to and can be converted into cash.

Cash-Like Transactions include casino gaming chips, money orders, wire

transfers, travellers cheques and gaming transactions (including betting,

off-track betting and race track wagers).

Disclosure Statement means the document that we provide to you

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

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

and fees.

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

shown on the statement for the Account.

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

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

Purchase means any Transaction other than a Cash Advance.

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

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

Card; or (ii) transfer any balance on another credit card account to this

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

We may offer you a promotional interest rate on your TD Visa Cheque, but

if we do not, then the annual interest rate that applies on the Account for

Cash Advances applies to your TD Visa Cheque. If you accept a promotional

offer on a TD Visa Cheque, this Agreement will continue to apply to that

TD Visa Cheque and any additional terms we set out in the promotional

offer will also apply to that TD Visa Cheque.

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

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

or Cash Advance.

You or your means each Cardholder or an Additional Cardholder.

2. USING THE ACCOUNT

You may use the Account for:

• Purchases;

• Cash Advances;

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

• Any other purpose that we agree to.

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

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

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

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

Cardholder or other person.

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

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

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

Cardholder wanted to limit that use.

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

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

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

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

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

Internet banking, mobile banking or to make

electronic bill payments - the Bank’s Financial Services Terms

applies if the Cardholder has signed a Financial Services Agreement,

or the Cardholder and Electronic Financial Services Agreement

applies if the Cardholder has not signed a Financial Services Agreement.

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;

• 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.

31. IF YOU HAVE A PROBLEM OR CONCERN

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

1-866-222-3456, email us at ** [email protected], or visit us at

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

at www.td.com.

Financial Consumer Agency of Canada – If you have a complaint

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

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

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

Building, 427 Laurier Ave. West, Ottawa, Ontario K1R 1B9. The FCAC can

also be contacted by telephone at 1-866-461-3222 (en français

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

will determine whether we are in compliance. It will not, however, resolve

individual consumer complaints.

**For your protection, do not send conﬁdential or personal information

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

of communication. If your request is urgent or requires disclosure of

conﬁdential information for resolution, please phone us.

TRAVEL REWARDS PROGRAM

TERMS AND CONDITIONS

In this section, the words “we”, “us” and “our” mean: (1) the Bank;

and (2) the Expedia For TD online and phone channels

(“Expedia For TD”) that are operated by Expedia, Inc. (“Expedia”).

“Program” means the TD Travel Rewards Program associated with the

Account and includes all Program privileges and travel reward beneﬁts,

including TD Points. “Travel Purchases” means all Purchases of travel

and related services (including bookings) under the Program charged to the

Account. All Travel Purchases made through Expedia For TD are provided by

Expedia or its agents or suppliers. All Travel Purchases made under the

Program, but not using Expedia For TD, are provided by third party

agencies, suppliers or other travel providers, including any online sites or

phone channels operated by Expedia (except for Expedia For TD) and any

other online travel agencies, suppliers or providers (the “Other Travel

Providers”). Applicable terms of the TD First Class Travel Visa Inﬁnite

Cardholder Agreement apply to the Program, as do the following additional

terms and conditions, which together are referred to as this Agreement.

TD Points

TD Points are earned for Purchases charged to the Account as follows:

1) Three (3) TD Points are earned for each one (1) dollar in

Purchases;

2) Nine (9) TD Points are earned for each one (1) dollar in Travel

Purchases made online through Expedia For TD; and

3) Six (6) TD Points are earned for each one (1) dollar in Travel

Purchases made by phone through Expedia For TD.

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

interest charges, optional services, refunds, rebates or other similar credits

do not earn TD Points unless there is a special promotion. Credits for

refunds, returned items, rebates and other similar credits will reduce or

cancel the TD Points earned by the full or partial amount originally charged

to the Account.

When you redeem TD Points towards a Travel Purchase charged to your

Account: 1) The dollar value of the redeemed TD Points is applied as a

credit to the original amount of the Travel Purchase charged to your

Account, leaving you with a net Travel Purchase amount, if any, that is

charged to your Account (the “Net Amount”); and 2) You will earn

TD Points only on the Net Amount. For more details, refer below to

“TD Points Redemption”.

We will provide you with the TD Points balance (the “TD Points Balance”)

within the monthly statement for the Account. You must promptly and

carefully examine the TD Points Balance and tell us in writing of any errors

in the TD Points Balance. In the event of an error, our only responsibility is

to correct the error. If you do not tell us about an error within thirty (30)

days of the statement date of the monthly statement for the Account, the

TD Points Balance will be considered correct and you may not afterwards

make any claim against the Bank relating to your TD Points Balance.

However, we can adjust the TD Points Balance on the Account at any time.

TD Points from the Account cannot be combined or pooled with TD Points

from another TD Credit Card Account unless you are the Primary Cardholder

on each TD Credit Card Account.

TD Points cannot be transferred upon the death of the Primary Cardholder,

except to an Additional Cardholder who applies, qualiﬁes and becomes a

Primary Cardholder.

We may let you redeem TD Points towards items other than Travel

Purchases such as merchandise and gift cards. If we do, you will agree to

the additional terms and conditions that will apply to that redemption

option in addition to these TD Travel Rewards Program Terms and Conditions.

TD Points have no cash value and cannot be redeemed for cash or credit

except as we may permit.

TD Points are void if sold, bartered or assigned. TD Points cannot be divided

or transferred in the event of separation or divorce.

TD Points Expiry

TD Points will not expire as long as the Account remains open and in good

standing, and this Agreement has not ended. In the event that we end the

Agreement for any reason, all TD Points will expire immediately. If the

Account is in good standing and the Primary Cardholder ends this

Agreement and/or transfers to another TD Credit Card Account, any

accumulated TD Points from the Account can only be transferred to another

TD Credit Card Account that earns TD Points provided that the Primary

Cardholder is the Primary Cardholder of that other TD Credit Card Account.

Otherwise, TD Points from the Account must be redeemed within ninety

(90) days of the date of the transfer to another TD Credit Card Account or

when this Agreement ends. We can delay the expiry of TD Points and that

delay will not set a precedent for any future TD Points expiry.

Making Travel Purchases

1) Through Expedia For TD

The Cardholder can make Travel Purchases through Expedia For TD by:

1) Redeeming TD Points to cover the full cost of the Travel Purchase;

2) Combining the redemption of TD Points and a charge to the Account to

cover the full cost of the Travel Purchase; or 3) Charging the full cost of the

Travel Purchase to the Account.

Travel Purchases can only be made through Expedia For TD by using

TD Points alone, by using the Account alone or by a combination of

TD Points and the Account.

2) Through Other Travel Providers

A Cardholder may also make a Travel Purchase through Other Travel

Providers by charging the full cost (or any portion) of the Travel Purchase

to the Account. To redeem TD Points towards any amount of a Travel

Purchase made at Other Travel Providers, refer below to “TD Points

Redemption”.

Who Can Make Travel Purchases

All Cardholders are entitled to make Travel Purchases under the Program,

using their Card at Expedia For TD or at Other Travel Providers, whether or

not TD Points are or will be redeemed for that Travel Purchase.

Travel Arrangements

1) Through Expedia For TD

Every effort will be made to ensure that all your travel requirements are

met. However, your travel is based on travel supplier-available space and

seating and is subject to terms and conditions of the travel supplier, such as

pre-payment requirements. Travel space and prices are not conﬁrmed until

Expedia For TD conﬁrms the reservation with the travel supplier. It is the

Cardholder’s responsibility to instruct Expedia For TD to conﬁrm the

reservation with the travel supplier. A reservation, which merely holds your

space, does not guarantee the price.

Once your travel arrangement has been conﬁrmed, the treatment of any

routing changes, changes to travel dates, cancellations, “no-shows”,

additional charges such as any taxes and any other changes will be solely

at the discretion of the travel supplier or other third party and are not our

responsibility. Travel supplier policies may vary from time to time and may

differ among travel suppliers. It is the Cardholder’s responsibility to know

the relevant policies, terms and conditions of the travel supplier.

Expedia For TD will make every reasonable effort to provide travel

information upon your request. However, we accept no responsibility

or liability in the event that failure to provide you with information results

in travel arrangements that have a higher cost or differ in any way from

arrangements that may be available through other travel suppliers.

2) Through Other Travel Providers

You are responsible for conﬁrming the details and terms and conditions of

Travel Purchases made through Other Travel Providers, including all travel

supplier restrictions and reservations that apply to those Travel Purchases,

even if you redeem TD Points under the Program towards those Travel

Purchases.

Travel Documents

1) From Expedia For TD

All correspondence and travel documents provided by Expedia For TD will

be sent to the Primary Cardholder’s address appearing in our records at

Expedia For TD or by following the instructions we receive from the Primary

Cardholder. However, Expedia For TD does not offer facilities to pick up

travel documents in person.

We are not responsible for any failure to receive correspondence and travel

documents if we send them to the address or other contact information for

the Account, appearing in our records at Expedia For TD, or by following the

instructions we receive from the Primary Cardholder.

You and your travel companions are responsible to ensure that you have

in your possession, on departure and as otherwise required, all necessary

travel documents as required by law. If you do not have the necessary

travel documents, you may be denied boarding by the travel supplier. We

are not responsible if you do not have the necessary travel documents and

you will not be entitled to any compensation from us. It is your

responsibility to check with the airlines and other travel suppliers for all

estimated departure times, arrival times, and check-in times.

Some travel suppliers will not board passengers unless the passengers have

checked in within an appropriate amount of time prior to departure. The

appropriate amount of time is determined by the airline or other travel

supplier in advance of departure.

2) From Other Travel Providers

You are responsible for conﬁrming the details and terms and conditions of

Travel Purchases made through Other Travel Providers, including all travel

documents and correspondence required and arrangements for obtaining

them from the Other Travel Providers, even if you redeem TD Points

towards those Travel Purchases.

TD Points Redemption

TD Points can be immediately redeemed for Travel Purchases made through

Expedia For TD at the time you make the Travel Purchase, as explained below.

For Travel Purchases made through Other Travel Providers, TD Points must

be redeemed after the Travel Purchase has been made as explained in

“Redeeming TD Points after a Travel Purchase has been

made through Other Travel Providers” section 2 below.

To redeem TD Points, the Account must be open, in good standing, and not

in default under the terms and conditions of this Agreement. TD Points can

only be redeemed by the Primary Cardholder or an Additional Cardholder.

TD Points that have not been recorded in your TD Points Balance cannot be

redeemed. TD Points are not earned on any Purchases that are not posted

to the Account, including any Travel Purchases made through Other Travel

Providers. This means that until the Purchase is posted to the Account and

the TD Points earned on that Purchase have been recorded in your

TD Points Balance, you cannot redeem any TD Points that you may earn

on that Purchase.

You can redeem TD Points under the Program for any amount of a Travel

Purchase as follows: 1) You can redeem the required number of TD Points

to cover the full amount of the Travel Purchase. If the dollar value of the

TD Points redeemed exceeds the full amount of any Travel Purchase, your

Account will not be credited for more than the full amount of the Travel

Purchase; or 2) You can redeem the required number of TD Points for any

portion of the Travel Purchase. Your Account will be credited with an

amount equal to the dollar value of the TD Points redeemed.

The Net Amount of any Travel Purchase will remain on the Account and the

Primary Cardholder is responsible for payment of the Net Amount.

Whether a Travel Purchase is made through Expedia For TD, or through

Other Travel Providers, if any TD Points are redeemed towards that Travel

Purchase, TD will provide a credit for those redeemed TD Points in an

amount equal to the dollar value of those TD Points.

1) Redeeming TD Points for Travel Purchases made through

Expedia For TD

Every 10,000 TD Points redeemed are worth $50 in travel savings off the

cost of Travel Purchases made through Expedia For TD. Redemptions can

only be made in 10,000 TD Point increments. We can decrease the

required minimum TD Point redemption increment at any time.

When you make a Travel Purchase through Expedia For TD, you can only

redeem those TD Points that are recorded in your TD Points Balance at the

time you are making that Travel Purchase, even if the Travel Purchase

requires only a deposit at that time. As a reminder, when you redeem

TD Points towards a Travel Purchase that you are making through Expedia

For TD, any credit that is applied to your Travel Purchase for the TD Points

you are redeeming will reduce or cancel the TD Points to be earned for that

Travel Purchase. When you redeem TD Points towards only a portion of

your Travel Purchase: 1) The dollar value of the TD Points you have

redeemed will be applied as a credit to the full amount of that Travel

Purchase charged to your Account and only the Net Amount of that Travel

Purchase will be charged to your Account; and 2) You will only earn

TD Points on the Net Amount of that Travel Purchase.

2) Redeeming TD Points after a Travel Purchase has been

made through Other Travel Providers

For each Travel Purchase made through an Other Travel Provider, a

Cardholder can redeem TD Points towards the amount of that Travel

Purchase as follows:

1. For the ﬁrst $1,200 of that Travel Purchase (equal to 300,000 TD Points):

• Every 250 TD Points redeemed equals $1 in travel savings for that

Travel Purchase amount.

2. For each $1 over the ﬁrst $1,200 of that Travel Purchase:

• Every 200 TD Points redeemed are worth $1 in travel savings for

that Travel Purchase amount that is over the ﬁrst $1,200.

This means that when you redeem TD Points towards a Travel Purchase

made at an Other Travel Provider:

• 250 TD Points = $1 in travel savings for up to the ﬁrst

300,000 TD Points you redeem for that Travel Purchase; and

• 200 TD Points = $1 in travel savings for any TD Points over the

ﬁrst 300,000 TD Points that you redeem for that Travel Purchase.

Redemptions can only be made in 250 or 200 TD Point increments, as

applicable.

For example:

A. Travel Purchase of $1,200 and Under

Cost of Travel Purchase at

Other Travel Provider:

$1,175

TD Points redeemed to cover

cost in full:

293,750 TD Points

Calculation:

($1,175 x 250 TD Points =

293,750 TD Points)

B. Travel Purchases of $1,201 or More

Cost of Travel Purchase at

Other Travel Provider:

$2,275

TD Points redeemed to cover

cost in full:

515,000 TD Points

Calculation:

($1,200 x 250 TD Points =

300,000 TD Points)

($1,075 x 200 TD Points =

215,000 TD Points)

In summary:

• Every 250 TD Points (up to the ﬁrst 300,000 TD Points redeemed

for a Travel Purchase of $1,200 or under) are worth $1 in travel

savings for that Travel Purchase.

• After the ﬁrst 300,000 TD Points are redeemed for a Travel

Purchase of more than $1,200, every

200 TD Points are worth $1 in travel savings for the amount of

that Travel Purchase that is over $1,200.

For Travel Purchases made through Other Travel Providers, TD Points must

be redeemed within ninety (90) days after the Travel Purchase has been

posted to the Account. You cannot redeem TD Points through Other Travel

Providers. To determine when a Travel Purchase has been posted to your

Account, you can view your transactional history for the Account online

through our EasyWeb

Internet banking or allow the Travel Purchase to

appear on your next monthly statement after the transaction date of that

Travel Purchase. As a reminder, when you redeem TD Points towards a

Travel Purchase that you made through Other Travel Providers, any credit

for the TD Points to be redeemed and applied to your Account for your

original Travel Purchase amount will reduce or cancel the TD Points that

were earned for that Travel Purchase. This means that when you redeem

TD Points towards only a portion of your original Travel Purchase: 1) The

dollar value of the TD Points you have redeemed will be applied as a credit

to your Account to reduce the full amount of your original Travel Purchase;

and 2) You will only earn TD Points on the Net Amount of your original

Travel Purchase.

Other Rewards Programs

Although Travel Purchases made through Expedia For TD or through Other

Travel Providers may earn frequent ﬂyer miles, points or other beneﬁts

from other travel rewards programs (“Other Beneﬁts”), you cannot

redeem Other Beneﬁts under the Program. We will not book all or any

portion of your Travel Purchase for which you are using Other Beneﬁts. If

you are using Other Beneﬁts (in whole or in part) for your Travel Purchase,

you must make such Travel Purchase directly with the originating issuer of

your Other Beneﬁts. We are not responsible for the issue or redemption of

Other Beneﬁts.

Taxes

The payment of all applicable taxes related to travel reward beneﬁts under

the Program, including Travel Purchases made through Expedia For TD or

through Other Travel Providers, is your sole responsibility. Some of the

applicable taxes may be charged to the Account and/or paid by redeeming

TD Points at the time you make the Travel Purchase through Expedia For

TD, while other taxes may be otherwise collected from the Cardholder such

as upon arrival at, or departure from, the Cardholder’s destination.

The credit provided by the Bank for the amount of any TD Points redeemed

by the Cardholder towards a Travel Purchase or towards taxes payable on

that Travel Purchase, whether purchased through Expedia For TD or through

Other Travel Suppliers, will not result in the Bank being responsible for the

payment of any applicable taxes relating to Travel Purchases made through

Expedia For TD or through any Other Travel Provider.

The amount of any taxes or other charges associated with your Travel

Purchase that are imposed by travel suppliers or other third parties

(including any Other Travel Provider) is your sole responsibility and may

change at any time without notice, even after the date that the Travel

Purchase arrangements have been conﬁrmed. Any personal income tax

liability that may arise from the receipt or redemption of TD Points is your

sole responsibility.

Liability for Travel Suppliers

We accept no responsibility or liability for the failure of any travel supplier,

including any OtherTravel Provider, to perform travel arrangements for any

reason or for any other actions, errors or omissions by a travel supplier or

Other Travel Provider. We will not, under any circumstances, assume any

liability for any loss or damage caused by goods or services supplied or

requested in connection with the Program. We accept no responsibility or

liability if travel arrangements are voluntarily or involuntarily rerouted,

downgraded or upgraded from your original paid itinerary and class of

service by a travel supplier or Other Travel Provider or for any other

changes or substitutions that a travel supplier or Other Travel Provider may

make. It is the Primary Cardholder’s responsibility to know the relevant

policies, terms and conditions of the travel supplier, including those of any

Other Travel Provider.

Changes and Termination

We reserve the right to change any of the rules, regulations, terms,

conditions, restrictions, beneﬁts, procedures and suppliers of services in

respect of the Program and the Account, in whole or in part, with or

without prior notice. However, when no prior notice is provided, we will

make every effort to inform you of such changes as soon as possible after

they are made. We are not responsible for market changes beyond our control.

We may terminate the Program at any time. If the Program is terminated,

TD Points may only be redeemed within ninety (90) days from the date of

our notice of Program termination. We reserve the right to cancel or make

changes to the Account, TD Points, or travel reward beneﬁts related to the

Program, with or without notice, for any reason, including if you abuse the

Program privileges, do not comply with this Agreement, misrepresent any

information provided to us or if you conduct yourself in a manner

detrimental to us or the interests of the Program.

Interpretation and Limitation of Liability

We will be the ﬁnal authority on the interpretation of all rules, regulations,

procedures, terms, conditions, restrictions and beneﬁts of the Program as

outlined in this Agreement.

We are not responsible or liable for any loss suffered by Cardholders or

third parties relating to the Program, TD Points, any travel suppliers,

including Other Travel Providers, travel reward beneﬁts, terms and

conditions of the Program or as a result of changes to, or termination of,

the Program, Card(s) or the Account.

We will not be liable for any damages relating to the Program, TD Points,

any travel suppliers, including Other Travel Providers, or travel reward

beneﬁts. As well, the Bank accepts no liability or responsibility for any

Travel Purchases made under the Program through Expedia For TD.

Any Cardholder may be subject to claims and may lose Program privileges

if they do not comply with this Agreement.

Every effort has been made to ensure that the information in materials

provided to Cardholders from time to time, including by Expedia For TD, is

accurate. However, we will not be liable for any information provided to

you that contains mistakes or is incomplete, or for any loss to, or damages

suffered by, Cardholders arising from such missing or incomplete

information. We do not review any materials or information that are/is

provided to you by or through any travel suppliers, including Other Travel

Providers, and we are not liable for any errors or omissions that may be

contained in that information or materials.

TRAVEL MEDICAL INSURANCE

For Covered Trips of 21 days or less for people

under 65 years of age, and

For Covered Trips of 4 days or less for people

65 years of age or older.

Insured by:

TD Life Insurance Company

320 Front Street West, 3rd Floor

Toronto, ON M5V 3B6

Certiﬁcate of Insurance

This Certiﬁcate applies to the TD First Class Travel Visa Inﬁnite Account.

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

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

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

provides medical and claims assistance, claims payment and administrative

services under the Group Policy.

This Certiﬁcate contains important information. Please read it carefully and

take it with You on Your trip.

Important Note:

What to do in an emergency: All medical emergencies must be

reported to Our Administrator immediately. If You, or if applicable, an

Insured Person, do not contact Our Administrator promptly, beneﬁts

may be limited or excluded. Please see section 8 for details.

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

to Emergency Medical Beneﬁts for all Insured Persons. Please see

Limitations and Exclusions under sections 6 and 7 for details. If You

have any questions regarding Pre-Existing Conditions and/or want to

conﬁrm coverage, please contact Our Administrator at

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

This policy contains a provision removing or restricting

the right of the group life insured to designate persons

to whom or for whose beneﬁt insurance money is to

be payable.

Beneﬁt Maximum Beneﬁt Payable

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

per Covered Trip.

SECTION 1 – SUMMARY OF BENEFITS

Note: If a Medical Emergency occurs, You, or if applicable, an

Insured Person, must phone Our Administrator immediately, or as

soon as is reasonably possible, or the Maximum Beneﬁt Payable will

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

Emergency Expenses will be covered. You can call Our Administrator

24 hours a day, seven days a week at 1-866-374-1129 from

Canada or the USA, or from other countries by calling collect at

(416) 977-4425.

SECTION 2 – DEFINITIONS

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

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

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

Your coverage, limitations and exclusions.

Account means the Primary Cardholder’s TD First Class Travel Visa Inﬁnite

Card account that the Bank maintains.

Additional Cardholder means a person to whom a TD First Class Travel

Visa Inﬁnite Card has been issued at the authorization of the Primary

Cardholder.

Administrator means the company We select to provide medical and

claims assistance, claims payment, administrative and adjudication services

under the Group Policy.

Bank means The Toronto-Dominion Bank.

Certiﬁcate means this certiﬁcate of insurance.

Coverage Period means the period of time during which a Medical

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

in section 5.

Covered Trip means a trip:

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

or territory of residence;

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

including the departure date; and

• that does not extend to or past:

• the date the Insured Person no longer meets the eligibility

requirements set out in section 3; or

• the date coverage terminates as described in section 4.

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

to submit proof of the departure. Only a Medical Emergency occurring

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

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

Exclusions:

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

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

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

Emergency occurs within the Maximum Number of Covered Days

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

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

a full day for this purpose.

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

of Covered Days, the Insured Person may want to purchase separate

insurance under a different TD Life Group Policy for the number of days

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

Different terms and conditions will apply and, depending on the Insured

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

required to provide information about their health. Call TD Life prior to

Your departure date at 1-800-293-4941 for more information or

if You would like to obtain a quote.

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

who are:

• unmarried;

• dependent on You for ﬁnancial maintenance and support; and

• under 22 years of age; or

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

learning, full-time, in Canada; or

• mentally or physically handicapped.

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

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

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

Dollars and $ mean Canadian dollars.

Effective Date means the date this Certiﬁcate takes effect with respect

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

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

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

Eligible Medical Emergency Expenses are deﬁned in section 6.

Emergency Medical Beneﬁt is deﬁned in section 6.

Government Health Insurance Plan (GHIP) means a Canadian

provincial or territorial government health insurance plan.

Good Standing: An Account is in Good Standing if:

• the Primary Cardholder has applied for the Account;

• the Bank has approved and opened the Account;

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

Account; and

• the Bank has not suspended or revoked credit privileges or

otherwise closed the Account.

Hospital means

• an institution that has been accredited and licensed by the

appropriate authority as a hospital to treat patients on an

in-patient, outpatient and emergency basis; or

• the nearest appropriate medical facility that has been approved

in advance by Our Administrator.

Exclusion: Hospital does not include chronic care, convalescent

or nursing home facilities.

Hospitalized or Hospitalization means conﬁned as an in-patient in

a Hospital.

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

Certiﬁcate as described in section 3.

Maximum Number of Covered Days means 21 consecutive days

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

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

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

for this purpose.

Medical Condition means an irregularity in the health of an Insured

Person which required or requires medical advice, consultation,

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

Medical Emergency means any unforeseen illness or accidental bodily

injury occurring during a Covered Trip that requires immediate emergency

medical Treatment by a Physician.

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

practice medicine in the jurisdiction where he or she provides medical

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

Insured Person under this Certiﬁcate.

Pre-Existing Condition means a Medical Condition:

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

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

Condition Period, where Treatment includes medication; or

• for which further investigation was recommended or prescribed, or

for which a change in Treatment was recommended (including a

change in medication or dosage) during the Pre-Existing Condition

Period.

Pre-Existing Condition Period with respect to any beneﬁt under this

Certiﬁcate is as follows:

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

before the beginning of the Coverage Period; and

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

before the beginning of the Coverage Period.

Primary Cardholder means a person who applied for a

TD First Class Travel Visa Inﬁnite Card, whose name is on the Account and

to whom a TD First Class Travel Visa Inﬁnite Card has been issued. A

Primary Cardholder does not include an Additional Cardholder.

Spouse means:

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

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

year and publicly represented as his or her domestic partner.

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

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

• no new or change in medication or dosage;

• no new or change in Treatment;

• 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 the Primary Cardholder is not travelling;

and

• the Additional Cardholder:

• is a resident of Canada;

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

• continues to meet the deﬁnition 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 1-800-293-4941 for

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

SECTION 4 – WHEN COVERAGE TERMINATES

Coverage for the Primary Cardholder under this Certiﬁcate will terminate

on the earliest of the following dates:

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

be in Good Standing;

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

• the date the Group Policy terminates.

Coverage for an Insured Person other than the Primary Cardholder under

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

• the date coverage terminates for the Primary Cardholder; and

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

No beneﬁts will be paid under 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 annInsured Person’s departure date from their province or

territory of residence.

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

example, that no beneﬁt will be paid with respect to 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 abuse

• abuse of medication or alcohol or use of illicit drugs;

f. Crime

• participation in a criminal offence;

g. Professional Sports or Racing

• participation in professional sports or any organized racing

or speed contests;

h. War

• any act of war, whether declared or not, hostile or warlike

action in time of peace or war, insurrection, rebellion,

revolution, civil war, or hijacking;

i. 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 First Class Travel Visa Inﬁnite – Travel Medical Insurance

P.O. Box 277

Waterloo Ontario

N2J 4A4

Fax: (519) 742-9471.

SECTION 11 – GENERAL CONDITIONS

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

conditions apply to Your coverage:

Proof of Loss

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

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

year from the date on which the loss occurred.

Review and Medical Examination

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

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

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

as may be reasonably required.

Subrogation

There may be circumstances where another person or entity should have

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

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

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

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

other person or entity;

• permitting Us to bring a lawsuit in Your name;

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

it in trust for Us;

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

from the other person or entity.

We will pay the costs for the actions We take.

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

Insured by:

TD Life Insurance Company and

TD Home and Auto Insurance Company

320 Front Street West, 3rd Floor

Toronto, ON M5V 3B6

Certiﬁcate of Insurance

This Certiﬁcate applies to the TD First Class Travel Visa Inﬁnite Account.

Effective March 17, 2008, TD Life Insurance Company (“TD Life”)

provides the insurance for the Medical Covered Causes for Cancellation and

the Medical Covered Causes for Interruption under this Certiﬁcate under

Group Policy No. TGV003.

Effective September 1, 2010, TD Home and Auto Insurance Company

(“TDH&A”) provides the insurance for the Non-Medical Covered Causes

for Cancellation and the Non-Medical Covered Causes for Interruption under

this Certiﬁcate under Group Policy TGV006.

Together, these policies are referred to as the “Group Policies”.

Our Administrator administers the insurance on behalf of TD Life and

TDH&A and provides claims payment and administrative services under

the Group Policies.

This Certiﬁcate contains important information. Please read it carefully

and take it with You on Your trip.

This Certiﬁcate contains a clause which may limit the

amount payable.

Important Notes:

Pre-Existing Conditions: A Pre-Existing Condition exclusion

applies to the Trip Cancellation and Trip Interruption beneﬁts. Please

see Limitations and Exclusions under sections 6 through 8 for details.

If You have any questions regarding Pre-Existing Conditions and/or

want to conﬁrm coverage, please 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 First Class Travel Visa Inﬁnite

Card account that the Bank maintains.

Additional Cardholder means a person to whom a TD First Class Travel

Visa Inﬁnite Card has been issued at the authorization of the Primary

Cardholder.

Administrator means the service provider arranged by TD Life and

TDH&A to provide claims payment and administrative services under the

Group Policies.

Bank means The Toronto-Dominion Bank.

Certiﬁcate means this certiﬁcate of insurance.

Common Carrier means any land, air or water conveyance which is

licensed to carry passengers without discrimination and for hire, excluding

courtesy transportation provided without a speciﬁc charge.

Coverage Period means the period of time during which a covered

event must occur for a beneﬁt to be payable. Coverage Period means the

Trip Cancellation Coverage Period or the Trip Interruption Coverage Period,

as applicable. These terms are deﬁned in section 5.

Covered Trip means a trip:

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

territory of residence;

• that does not extend to or past:

• the date the Insured Person no longer meets the eligibility

requirements set out in section 3;

• the date coverage terminates as described in section 4;

• that was booked or reserved prior to departure from the Insured

Person’s province or territory of residence; and

• for which the full cost has been charged:

• to Your Account and/or

• using Your TD Points.

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

who are:

• unmarried;

• dependent on You for ﬁnancial maintenance and support; and

• under 22 years of age; or

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

learning, full-time, in Canada; or

• mentally or physically handicapped.

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

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

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

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 First Class

Travel Visa Inﬁnite Card, whose name is on the Account and to whom a

TD First Class Travel Visa Inﬁnite Card has been issued. A Primary Cardholder

does not include an Additional Cardholder.

Spouse means:

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

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

year and publicly represented as his or her domestic partner.

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

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

• no new or change in medication or dosage;

• no new or change in Treatment;

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

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

• no pending test results or testing; or

• no pending surgery or other Treatment.

TD Points means the rewards units earned for goods and services

charged to the Account through the TD Travel Rewards Program associated

with the Account.

Travelling Companion means someone who shares trip arrangements

and accommodations with You.

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

be considered travel companions on any one trip.

Treated or Treatment means any medical, therapeutic or diagnostic

procedure prescribed, performed or recommended by a Physician, including

but not limited to prescribed or unprescribed medication, investigative

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

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

We, Us and Our mean TD Life Insurance Company with respect to the

Medical Covered Causes for Cancellation and Medical Covered Causes for

Interruption. We, Us and Our mean TD Home and Auto Insurance

Company with respect to the Non-Medical Covered Causes for Cancellation

and Non-Medical Covered Causes for Interruption. These terms are deﬁned

in sections 6 and 7.

You and Your means the Primary Cardholder.

SECTION 3 – ELIGIBILITY

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

throughout the Covered Trip, the Primary Cardholder:

• is a resident of Canada; and

• has an Account in Good Standing.

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

Certiﬁcate if, throughout the Covered Trip:

• You are eligible to be insured under this Certiﬁcate as described

above, even if You are not travelling; and

• the Spouse:

• 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 the full cost of the Covered Trip has been

charged to Your Account using a TD First Class Travel Visa Inﬁnite Card

and/or Your TD Points.

• Dependent Children are only covered if travelling with You or Your

Spouse. Therefore, for each Insured Person who is a Dependent

Child the Trip Cancellation Coverage Period begins on the date set

out above only if You or Your Spouse will be travelling with the

Dependent Child on the Covered Trip.

The Trip Cancellation Coverage Period ends on the earlier of:

• the date the Insured Person departs or plans to depart on the

Covered Trip; and

• the date this Certiﬁcate terminates.

Trip Interruption Coverage Period (when the Covered Causes for

Interruption occurs during Your trip)

• The Trip Interruption Coverage Period begins on the date the

Insured Person completes a portion of the Covered Trip as shown on

his or her invoice or ticket provided the Covered Trip is booked or

reserved with the Insured Person’s travel agent or other travel

supplier and the full cost of the Covered Trip has been charged to

Your Account using a TD First Class Travel Visa Inﬁnite Card and/or

Your TD Points.

• Dependent Children are only covered while travelling with You or

Your Spouse. Therefore, for each Insured Person who is a

Dependent Child the Trip Interruption Coverage Period begins on the

date set out above only if You or Your Spouse are travelling with

the Dependent Child on the Covered Trip.

The Trip Interruption Coverage Period ends on the earlier of:

• the date the Insured Person is scheduled to return from the Covered

Trip; and

• the date this Certiﬁcate terminates.

SECTION 6 – WHAT YOUR INSURANCE COVERS – TRIP

CANCELLATION INSURANCE

We will pay a Trip Cancellation Beneﬁt with respect to 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 the full cost was charged to Your

Account and/or using Your TD Points;

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

and

• 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 the costs of Eligible Expenses were charged in full to

Your Account and/or using Your TD Points;

• proof that cancellation or interruption resulted from a Covered

Cause for Cancellation or from Covered Cause for Interruption, as

applicable. This may include a medical 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

Provided by:

TD Life Insurance Company

320 Front Street West, 3

Floor

Toronto, ON M5V 3B6

The coverage Certiﬁcate below applies to the TD First Class Travel Visa

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

throughout the Certiﬁcate:

Coverage Certiﬁcate

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

Certiﬁcate under Master Policy #TGV009 (the “Policy”) issued to

The Toronto-Dominion Bank. This Insurance is administered by Allianz

Global Assistance through the Operations Centre (“Allianz”). Allianz

administers the insurance on behalf of TD Life, and provides claims

assistance, claims payment and administrative services under the Policy.

This Certiﬁcate contains a clause which may limit the

amount payable.

Words in italics in this Certiﬁcate are deﬁned in Section 1.

Section 1 – Deﬁnitions

ACCIDENTAL BODILY INJURY(IES) means bodily injury which is accidental,

is the direct source of a Loss, is independent of disease, illness or other

cause and occurs while this Policy is in force.

ACCOUNT means Your TD Credit Card Account accessed using Your

TD Credit Card or TD Visa Cheque.

ACCOUNT HOLDER means the Primary Cardholder to whom the monthly

Account statement is sent, and who is a resident of Canada and any

Additional Cardholder who is a resident of Canada. The Account Holder may

be referred to herein using “you” and “your”.

ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has

been issued at the authorization of the Primary Cardholder.

COMA means a profound state of unconsciousness from which the Insured

Person cannot be aroused to consciousness even by powerful stimulation,

as determined by a physician. (Note: Coma beneﬁts are available only

to Dependent Children.)

COMMON CARRIER means any licensed land, water or air conveyance

operated by those whose occupation or business is transportation of

persons or things without discrimination for hire. Should a Common Carrier

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 by

TD Points earned on your TD Travel Rewards Program. If your TD Points

have only partially paid for your Common Carrier fare, the balance of that

fare must be fully charged to your Account.

DEPENDENT CHILD(REN) means those children residing with the Account

Holder, under the age of twenty-one (21) and unmarried, who are

primarily dependent upon the Account Holder for maintenance and support.

Dependent Children also means children beyond the age of twenty-one

(21) and unmarried, who are permanently, mentally and physically

challenged and incapable of self-support. Also included in the 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;

2) at the airport, terminal or station, at the beginning or end of the

Covered Trip.

If the purchase of the Common Carrier passage fare is not made prior to

the Insured Person’s arrival at the airport, terminal or station, coverage

begins at the time the entire Common Carrier passage fare is charged to

the Insured Person’s Account.

Coverage includes circumstances arising from and occurring on a Covered

Trip while the Insured Person is riding as a passenger in, entering or exiting

any Common Carrier, while travelling directly to or from the airport,

terminal, or station;

1) immediately preceding the departure of the scheduled Common

Carrier conveyance on which the Insured Person has purchased

passage; and

2 immediately following the arrival of the scheduled Common Carrier

conveyance on which the Insured Person was a passenger.

Section 3 – Rental Car Accident Coverage

Beneﬁts will be paid as speciﬁed in the Schedule of Beneﬁts below if an

Insured Person suffers a Loss while operating or riding as a passenger in, or

boarding or alighting from any Rental Car provided that:

(a) the cost of the Rental Car was fully charged to your Account; or paid

either in full or partially by TD Points earned under your TD Points program.

If your TD Points have only partially paid for the cost of your Rental Car,

the balance of that cost must be fully charged to your TD Credit Card; and

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

Holder; and

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 Hearing $500,000

Both Hands or Both Feet or Sight of

Both Eyes or a Combination of a Hand,

a Foot or Sight of One Eye $500,000

One Arm or One Leg $375,000

One Hand or One Foot or Sight of One Eye $333,350

Speech or Hearing $333,350

Thumb and Index Finger of the same Hand $166,650

Paralysis

Quadriplegia (complete paralysis

of both upper and lower limbs) $500,000

Paraplegia (complete paralysis of both lower limbs) $500,000

Hemiplegia (complete paralysis of upper and

lower limbs of one side of body) $500,000

“Loss” with reference to hand or foot means complete severance through

or above the knuckle joint of at least four ﬁngers of the same hand or three

ﬁngers and a thumb of the same hand or the ankle joint; with reference to

arm or leg means complete severance through or above the elbow or knee

joint; with reference to sight of an eye means the permanent loss of vision

in one eye; and with reference to thumb and index ﬁnger means complete

severance through or above the knuckle joints of the thumb and index ﬁnger.

“Loss” with reference to speech means the permanent and irrecoverable

loss of the capability of speech without the aid of mechanical devices; with

reference to hearing means the permanent and irrecoverable loss of

hearing in both ears.

“Paralysis” means complete and irreversible loss of all motion of all

practical use of an arm or leg provided the loss is continuous for twelve

(12) consecutive months.

B. Permanent Total Disability and Coma Beneﬁts

Loss Beneﬁt Amount

Permanent Total Disability $500,000

Coma $500,000

(i) Permanent Total Disability beneﬁts are available only to you and your

Spouse. Beneﬁt amount (less any amount paid under Sections 4(A) and

(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 kilometers from the

Insured Person’s permanent city of residence, TD Life will pay for the cost

of preparation and transportation of Insured Person’s body to such place of

residence. The maximum Repatriation Beneﬁt payable is $10,000 per loss

of life.

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 Global

Assistance. 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 Global Assistance. 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 Global Assistance within

ninety (90) days after the date of Loss, or as soon as reasonably possible.

At the time of a claim, Allianz Global Assistance is available to assist you or

your representative in obtaining and completing the necessary claim forms.

Call 1-855-987-2895.

Section 9 – Individual Termination of Insurance

The insurance coverage of any Insured Person shall terminate on the

earliest of the following:

a) the date the Policy is terminated

b) the expiration of the Policy term for which premium has been paid

c) the date the Account Holder’s Account is cancelled or his or her

Account privileges are terminated.

Section 10 – General Conditions

LEGAL ACTION LIMITATION PERIOD: Every action or proceeding against the

insurer for the recovery of insurance money payable under the contract is

absolutely barred unless commenced within the time set out in the

Insurance Act (for actions or proceedings governed by the laws of Alberta

or British Columbia), The Insurance Act (for actions or proceedings

governed by the laws of Manitoba), the Limitations Act, 2002 (for actions

or proceedings governed by the laws of Ontario), the Civil Code of Quebec

(for actions or proceedings governed by the laws of Quebec), or other

applicable legislation.

CONFORMANCE WITH STATUTES: Any terms of this Policy which are in conﬂict

with the applicable statutes, laws or regulations of the province or territory

in which this Policy is issued are amended to conform to such statutes.

PHYSICAL EXAMINATION AND AUTOPSY: Allianz has the right to have the

Insured Person examined by a physician approved by Allianz, as often as

reasonably necessary while a claim is pending. Allianz may also have an

autopsy done, unless prohibited by law. Any examinations or autopsies that

we require will be done at Allianz’s expense and by a physician.

MASTER POLICY: This Certiﬁcate is a description of coverage provided by

Policy #TGV009 issued to The Toronto-Dominion Bank. All terms and

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

certiﬁcates or TD Credit Card Accounts entitle an Insured Person to beneﬁts

in excess of those described herein for any Loss sustained.

DELAYED AND LOST BAGGAGE INSURANCE

Provided by:

TD Home and Auto Insurance Company

320 Front Street West, 3

Floor

Toronto, ON M5V 3B6

The coverage Certiﬁcate below applies to the TD First Class Travel Visa

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

throughout the Certiﬁcate:

This Certiﬁcate contains a clause which may limit the

amount payable.

Coverage Certiﬁcate

The terms of the Delayed and Lost Baggage Group Policy #TDVB112008

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

(Insurer) to The Toronto-Dominion Bank are described in this Certiﬁcate

and are effective December 1, 2008.

Words in italics in this Certiﬁcate are deﬁned in Section 1.

Section 1 – Deﬁnitions

ACCOUNT(S) means Your TD Credit Card Account accessed using Your

TD Credit Card.

ACCOUNT HOLDER means the Primary Cardholder to whom the monthly

Account statement is issued and who is a resident of Canada, and any

Additional Cardholder who is a resident of Canada. The Account Holder may

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

ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has

been issued at the authorization of the Primary Cardholder.

ADMINISTRATOR means the service provider arranged by the Insurer to

provide claims payment and administrative services under the Policy.

BAGGAGE DELAY means a Covered Person’s Checked Baggage is delayed

by more than six (6) hours from the Covered Person’s time of arrival at the

Final Destination.

CHECKED BAGGAGE means suitcases or other containers speciﬁcally

designated for carrying personal belongings, for which a baggage claim

check has been issued to the Covered Person by a Common Carrier.

COMMON CARRIER means any land, air, or water conveyance which is

licensed to carry passengers for compensation and which undertakes to

carry all persons indifferently who may apply for passage, so long as there

is room, and there is no legal excuse for refusal.

COVERED PERSON means the Account Holder, Spouse or Dependent

Children whose name is on the Ticket, or, if no name is on the Ticket, for

whom a Ticket has been purchased.

DEPENDENT CHILDREN means any natural child (legitimate or illegitimate),

any legally adopted child, any step-child or any child dependent upon the

Account Holder in a “parent-child” relationship for maintenance and support

who is:

(i.) under the age of twenty-one (21) years and unmarried, or

(ii.) under the age of twenty-ﬁve (25) years, unmarried and in full

time attendance at an institution of higher learning, or

(iii.) by reason of mental or physical inﬁrmity, incapable of

self-sustaining employment and totally dependent upon the

Account Holder for support within the terms of the Income Tax Act.

ESSENTIAL ITEMS means essential clothing and toiletries that the Covered

Person was carrying in the baggage, which the Covered Person must

replace during the period of Baggage Delay.

FINAL DESTINATION means the away-from-home ticketed destination for

any particular day of travel, as shown on Your Ticket.

PRIMARY CARDHOLDER means a person who applied for a TD Credit Card,

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

issued.

SPOUSE means the person who is (i) lawfully married to the Account

Holder or (ii) the person who has been living with the Account Holder for

a continuous period of at least one year and who is publicly represented

as the Account Holder’s Spouse.

TICKET means evidence of the fare paid for travel on a Common Carrier and

paid in full on or after December 1, 2008 (1) by charge to Your Account,

(2) by redemption of TD Points earned under Your TD Travel Rewards

Program or (3) by a combination of (1) and (2).

Section 2 – Who is covered

The Account Holder, the Account Holder’s Spouse, and the Account Holder’s

Dependent Children whose name is on a Ticket, or if no name is on a

Ticket, for whom the Ticket has been purchased.

Section 3 – What are the Coverages

A. Delayed Baggage

In the event of Baggage Delay, You will be reimbursed for the cost to

replace Essential Items provided those purchases are made before the

baggage is returned to the Covered Person but in no event more than

ninety-six (96) hours after arriving at the Final Destination.

B. Lost Baggage

In the event the Common Carrier never locates the Covered Person’s

Checked Baggage, You will be reimbursed for the portion of the

replacement cost of lost personal property that is not paid by the Common

Carrier or other insurance.

The total beneﬁts payable in respect of sub-sections A and B are subject

to a maximum of $1,000 per Covered Person per Trip.

To activate coverage, use Your Card to pay for the Ticket in full. Coverage

will be in force while baggage is in the custody of the Common Carrier.

Section 4 – Termination of Coverage

Coverage terminates on the earliest of the following:

1) When Your Account is closed;

2) When Your Account is ninety (90) or more days past due, but

coverage is automatically reinstated when the Account is returned

to good standing;

3) When the Policy is cancelled except that the Insurer will remain

liable for the claim if the event giving rise to the claim occurred prior

to the effective termination date and the claim is otherwise valid.

Section 5 – Exclusion and Limitations

No coverage is provided for:

Losses occurring when the Checked Baggage is delayed on a Covered

Person’s return home to their province or residence; expenses incurred

more than ninety-six (96) hours after arriving at the Final Destination

shown on the Ticket; expenses incurred after the Checked Baggage is

returned to the Covered Person; losses caused by or resulting from any

criminal act by the Covered Person; baggage not checked; baggage held,

seized, quarantined or destroyed by customs or government agency;

money; securities; credit cards and other negotiable instruments; tickets

and documents.

Section 6 – Claims

The Account Holder must furnish the Insurer with proof of claim. This shall

include a signed loss report.

(A) Initial Notiﬁcation

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

Plan, You must give notice by contacting the Administrator within

forty-ﬁve (45) days from the date of the occurrence of the delay.

Call toll-free between 8:00 a.m. and 8:00 p.m. Eastern Time Monday

to Friday: 1-800-667-8031 or (416) 977-0283

The Covered Person will be asked to provide or, if writing, should provide:

• name, address, and telephone number;

• Account number used to purchase the Ticket;

• the date, time and place of the occurrence of the delay or loss; and

• the amount of the claim.

(B) Written Proof

In the event of a claim covered under the Delayed/Lost Baggage Plan,

a loss report will be mailed by the Administrator to the Covered Person.

You should complete it in full and return it within ninety (90) days from

the date of occurrence of the delay or loss.

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

• a copy of the Ticket;

• a copy of the baggage claim ticket;

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

for the cost of the Ticket;

• a copy of a statement from Your homeowner’s or tenant’s

insurance carrier indicating the extent to which You have been

reimbursed for any items permanently lost with Your baggage;

• itemized receipts for actual expenses incurred for essential clothing

and toiletries;

• written statement from the Common Carrier conﬁrming all of the

following speciﬁcs:

• date and time of delay or loss;

• date and time that baggage was returned, or if not returned,

a statement of the amount of liability accepted by the Common

Carrier, if any;

• reason or circumstances surrounding the delay or loss; and

• any other information reasonably required by the Insurer.

Section 7 – General Conditions

Legal Action Limitation Period

Every action or proceeding against the insurer for the recovery of insurance

money payable under the contract is absolutely barred unless commenced

within the time set out in the Insurance Act (for actions or proceedings

governed by the laws of Alberta or British Columbia), The Insurance Act

(for actions or proceedings governed by the laws of Manitoba), the

Limitations Act, 2002 (for actions or proceedings governed by the laws of

Ontario), the Civil Code of Quebec (for actions or proceedings governed by

the laws of Quebec), or other applicable legislation.

Other Insurance

The coverage provided by the Insurer is issued strictly as excess coverage and

does not apply as contributing insurance; it will reimburse the Account Holder

only to the extent a permitted claim exceeds coverage and payment under

Other Insurance, regardless of whether the Other Insurance contains provisions

purporting to make its coverage non-contributory or excess. The Policy also

provides coverage for the amount of the deductible of Other Insurance.

Subrogation with Respect to Lost Baggage

As a condition to the payment of any claim to an Account Holder under the

Policy, the Account Holder and/or any Covered Person shall, upon request,

transfer or assign to the Insurer all legal rights against all other parties for

the loss. The Account Holder shall give the Insurer all such assistance as the

Insurer may reasonably require to secure its rights and remedies, including

the execution of all documents necessary to enable the Insurer to bring suit

in the name of the Account Holder and/or Covered Person.

Beneﬁts Account Holder Only

This protection shall inure ONLY to the beneﬁt of 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 Card Accounts entitle a Covered Person to beneﬁts

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

EMERGENCY TRAVEL ASSISTANCE SERVICES

Provided by our Administrator under a service agreement with

TD Life Insurance Company.

This is not an insurance beneﬁt but assistance services only.

Our Administrator:

Allianz Global Assistance

P.O. Box 277

Waterloo, Ontario

N2J 4A4

The Coverage Certiﬁcate below applies to the

TD First Class Travel Visa Inﬁnite Card which will be referred to as a

“TD Credit Card” throughout the Certiﬁcate:

Important Note

The following describes assistance services only, not insurance beneﬁts.

Any payments made by our Administrator will be charged to your

TD Credit Card, subject to credit availability, unless you make other

arrangements to reimburse our Administrator.

Multilingual Assistance Coordinators are on call 24 hours a day.

Our Administrator Assistance Coordinators are supported by a network

of medical professionals including physicians experienced in emergency

medical assistance.

For Emergency Assistance 24 Hours A Day:

In Canada and U.S.A. Call 1-866-374-1129

In Other Countries Call Collect (416) 977-4425

1 – Medical Assistance Services

Medical Referrals

If a medical emergency arises while travelling, you can contact our

Administrator Emergency Assistance Centre and you will be referred to

the nearest designated physician or medical facility.

Medical Consultation and Monitoring

Our Administrator’s network of medical professionals is available 24 hours

a day, 365 days a year, to consult with your attending physician to ensure

that your medical needs are being met. Our Administrator’s network of

medical professionals is experienced in working with physicians outside

of Canada to determine the adequacy of care being received and the need

for further assistance.

Medical Transportation

When our Administrator, in consultation with its network of medical

professionals and in conjunction with your attending physician, determine

that transfer to another medical facility is necessary, our Administrator will

coordinate all aspects of the transport to and from the hospital and airport,

at the point of departure and arrival. Our Administrator Assistance

Coordinators will arrange for qualiﬁed medical accompaniment, if necessary.

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

insurer, nor our Administrator is responsible for the availability, quality or

results of any medical treatment you receive or fail to receive for any reason.

2 – Payment Assistance

Our Administrator can assist you in arranging or coordinating payment

(over $200) to emergency medical or hospital service providers.

Full liability for payment of these services will, however, rest with you.

3 – Travel Assistance Services

Legal Assistance

Our Administrator can assist you to post bail and pay legal fees,

if necessary.

Emergency Cash Transfer

In the event of theft, loss or emergency, our Administrator can assist you

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

Lost Document and Ticket Replacement

In the event of theft or loss, our Administrator can assist you to replace

the necessary travel documents or tickets.

Lost Luggage Assistance

In the event of theft or loss, our Administrator can assist you to locate

or replace luggage and personal effects.

TD First Class Travel Visa Inﬁnite Cardholders are also eligible for Delayed

and Lost Baggage Insurance; however, this coverage is entirely separate

(see your Coverage Certiﬁcate in this Document for details).

Translation Services

Our Administrator can provide immediate translation services in an

emergency situation.

Our Administrator will make a good faith effort to provide these services,

however, it has no liability to you if local laws, insurrection, epidemic,

unavailability of health care providers, strikes, severe weather, geographic

inaccessibility or other factors beyond their control delay, interfere or

prevent the provision of these services.

AUTO RENTAL COLLISION/LOSS DAMAGE

INSURANCE

Provided by:

TD Home and Auto Insurance Company

TD Life Insurance Company

320 Front Street West, 3

Floor

Toronto, ON M5V 3B6

The coverage Certiﬁcate below applies to the

TD First Class Travel Visa Inﬁnite Card which will be referred to as a

“TD Credit Card” throughout the Certiﬁcate.

This Certiﬁcate contains a clause which may limit the

amount payable.

Please note that in Alberta and British Columbia, Statutory Conditions are

deemed to be part of every contract that include insurance against loss or

damage to property and said Statutory Conditions are included in the Policy.

Coverage Certiﬁcate

Please read this Certiﬁcate carefully. It outlines what Collision/

Loss Damage Insurance is and what is covered along with the conditions

under which a payment will be made when You rent and operate a rental

vehicle but do not accept the Collision Damage Waiver (CDW) or its

equivalent offered by the Rental Agency. It also provides instructions on

how to make a claim. This certiﬁcate should be kept in a safe place and

carried with You when You travel.

Effective September 1, 2010 TD Home and Auto Insurance Company

(referred to in this Certiﬁcate as the “Company”) provides the insurance

for this certiﬁcate under Policy TDV092010 (referred to in this Certiﬁcate

as the “Policy”).

This Certiﬁcate is not a contract of insurance. It contains only

a summary of the principal provisions of the Policy.

All beneﬁts are subject in every respect to the Policy which alone

constitutes the Agreement under which payments are made.

This coverage may be cancelled, changed or modiﬁed at the option of the

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

Primary Cardholder.

To help You understand this document, some key words have been deﬁned

below:

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

ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has

been issued at the authorization of the Primary Cardholder.

ADMINISTRATOR means the service provider arranged by the Company

to provide claims payment and administrative services under the Policy.

CAR SHARING means a car rental club which gives its members 24 hour

access to a ﬂeet of cars parked in a convenient location.

CARDHOLDER means the Primary Cardholder and any Additional Cardholder

in accordance with the Cardholder Agreement.

INSURED PERSON means (1) You the Cardholder, who presents himself

(herself) in person at the Rental Agency, signs the rental contract, declines

the Rental Agency’s CDW or its equivalent and takes possession of the

rental vehicle and who complies with the terms of this Policy. (2) Any

other person who drives the same rental vehicle with Your permission

whether or not such person has been listed on the rental vehicle contract

or has been identiﬁed to 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 1-800-880-6497 (when in

Canada or the United States) or, call collect (416) 977-3772.

PLEASE READ THE FOLLOWING COVERAGE DESCRIPTION

CAREFULLY FOR MORE DETAILED INFORMATION ON

CONDITIONS AND EXCLUSIONS.

Collision/Loss Damage (CLD) Insurance provides coverage when You use

Your TD Credit Card to pay for a rental vehicle and decline the CDW (or an

equivalent coverage) offered by the Rental Agency. There is no additional

charge for the CLD Insurance. The coverage compensates You or a Rental

Agency for loss/damages up to the actual cash value of the rented vehicle

and valid Rental Agency Loss of Use charges when the conditions described

below are met.

B. Collision/Loss Damage Covers

CLD Insurance is primary insurance (except for losses that may be waived

or assumed by the Rental Agency or their insurer, and in such circumstances

where local government insurance legislation states otherwise) which pays

the amount for which You are liable to the Rental Agency up to the actual

cash value of the damaged or stolen rental vehicle as well as valid Loss of

Use charges resulting from damage or theft occurring while You are the

renter of the rental vehicle.

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

forty-eight (48) consecutive days. If You rent the same vehicle or vehicles

for more than forty-eight (48) consecutive days, no coverage is provided

for any part of your rental period.

This coverage does NOT include loss arising directly or indirectly from:

1. a replacement vehicle for which Your personal automobile insurance

is covering all or part of the cost of the rental;

2. third party liability;

3. personal injury or damage to property, except the rental vehicle

itself or its equipment;

4. the operation of the rental vehicle at any time during which any

Insured Person is driving while intoxicated or under the inﬂuence

of any narcotic;

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 TD Travel Rewards Program (or similar TD Credit Card

program) for the number of days of free rental. If the free

rental day(s) are combined with rental days for which You pay

the negotiated rate, this entire balance must be paid by Your

TD Credit Card.

• You are covered if points earned under Your TD Travel Rewards

Program are used to pay for the rental. However, if only a

partial payment is paid using the TD Travel Rewards Program,

the entire balance of that rental must be paid using Your

TD Credit Card in order to be covered.

E. Coverage Termination

There is NO Coverage when:

1. The Rental Agency reassumes control of the rental vehicle.

2. This Policy is cancelled.

3. Your rental period is more than forty-eight (48) consecutive days,

or Your rental period is extended for more than forty-eight (48)

consecutive days by renewing or taking out a new rental agreement

with the same or another Rental Agency for the same vehicle or

other vehicles.

4. Your TD Credit Card is cancelled or card privileges are otherwise

terminated.

F. Where Coverage is Available

This coverage is available on a 24-hour basis unless precluded by law

or the coverage is in violation of the terms of the rental contract in the

jurisdiction in which it was formed (other than under Section B, Part 7

(a) (b) or (c) above).

(See the section on “Helpful Hints” for tips on locations where use

of this coverage may be challenged and what to do when a Rental Agency

makes the rental or return of a vehicle difﬁcult.)

G. Types of Vehicles Covered

The types of rental vehicles covered include:

All cars, sport utility vehicles, and Mini-Vans (deﬁned as vans made by

an automobile manufacturer and classiﬁed by the manufacturer or a

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

(8) people including the driver and which are used exclusively for the

transportation of passengers and their luggage) except those excluded below.

The following vehicles are NOT covered:

1. vans, cargo vans or mini cargo vans (other than Mini-Vans as

described above);

2. trucks, pick-up trucks or any vehicle that can be spontaneously

reconﬁgured into a pick-up truck;

3. limousines;

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

publicly maintained roads unless used to ingress and egress private

property;

5. motorcycles, mopeds or motor bikes;

6. trailers, campers, recreational vehicles or vehicles not licensed for

road use;

7. vehicles towing or propelling trailers or any other object;

8. mini-buses or buses;

9. any vehicle with a Manufacturer’s Suggested Retail Price (MSRP)

excluding all taxes, over sixty-ﬁve thousand dollars ($65,000)

Canadian, at the time and place of loss.

10.exotic vehicles, meaning vehicles such as Aston Martin, Bentley,

Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini,

Lotus, Maserati, Porsche, Rolls Royce;

11.any vehicle which is either wholly or in part hand made, hand

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

year;

12.antique vehicles, meaning a vehicle over twenty (20) years old

or which has not been manufactured for ten (10) years or more.

13. Tax-free cars.

Luxury vehicles such as BMW, Cadillac, Lincoln and Mercedes Benz are

covered as long as they meet the above requirements.

IN THE EVENT OF AN ACCIDENT/THEFT

• Within forty-eight (48) hours, call the Administrator toll-free

1-800-880-6497 if You are in Canada or the United States or

call collect (416) 977-3772. The Administrator’s representative

will answer Your questions and send You a claim form.

• Decide with the rental agent which one of You will make the claim.

• If the rental agent decides to settle the claim directly,

complete the accident report claim form and assign the right for the

Rental Agency to make the claim on Your behalf on the claim form

or other authorized forms. It is important to note that You remain

responsible for the damage/loss and that You may be contacted

in the future to answer inquiries resulting from the claims process.

The rental agent may fax the required documentation toll-free if

they are in Canada or the United States to 1-877-661-3566.

When elsewhere the fax number is (519) 742-9471. Original

documentation may also be required in some instances. (If You

have any questions, are having any difﬁculties, or would like the

claims Administrator to be involved immediately, call the number

provided above).

• If You will be making the claim, You must call the claims

Administrator within forty-eight (48) hours of the damage/theft

having occurred. Your claim must be submitted with as much

documentation, requested below, as possible within forty-ﬁve (45)

days of discovering the loss/damage. You will need to provide all

documentation within ninety (90) days of the date of damage or

theft to the claims Administrator.

• The following claim documentation is required:

– the claim form, completed and signed

– Your sales draft showing that the rental was paid in full with the

TD Credit Card

– the original copy of the vehicle rental agreement

– accident or damage report, if available

– the itemized repair bill, or if not available, a copy of the estimate

– receipt for paid repairs

– police report, when available

– copy of Your billing or pre-billing statement if any repair charges

were billed to Your account

Under normal circumstances, the claim will be paid within ﬁfteen (15) days

after the claims Administrator has received all necessary documentation.

If the claim cannot be assessed on the basis of the information that has

been provided, it will be closed.

After the Company has paid Your claim, Your rights and recoveries will be

transferred to the Company to the extent of the Company’s payment for

the loss/damage incurred when the rental vehicle was Your responsibility.

This means the Company will then be entitled, at its own expense, to sue

in Your name. If the Company chooses to sue another party in Your name,

You must give the Company all the assistance the Company may

reasonably require to secure its rights and remedies. This may include

providing Your signature on all necessary documents that enable the

Company to sue in Your name.

Once You report damage, loss or theft, a claim ﬁle will be opened and

will remain open for six (6) months from the date of the damage or theft.

Payment will only be made on a claim or any part of a claim that is

completely substantiated as required by the claims Administrator within

six (6) months of the date of loss/damage.

You should use due diligence and do all things necessary to avoid or reduce

any loss or damage to property protected by this Collision/Loss Damage

Insurance.

If You make a claim knowing it to be false or fraudulent in any respect,

You will not be entitled to the beneﬁts of this protection, nor to the

payment of any claim made under this Policy.

H. LEGAL ACTION LIMITATION PERIOD

Every action or proceeding against the insurer for the recovery of insurance

money payable under the contract is absolutely barred unless commenced

within the time set out in the Insurance Act (for actions or proceedings

governed by the laws of Alberta or British Columbia), The Insurance Act

(for actions or proceedings governed by the laws of Manitoba), the

Limitations Act, 2002 (for actions or proceedings governed by the laws of

Ontario), the Civil Code of Quebec (for actions or proceedings governed by

the laws of Quebec), or other applicable legislation.

Helpful Hints

Before You rent a vehicle, ﬁnd out if You are required to provide a deposit

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

Agency which provides an excellent rate AND allows You to decline the

CDW without having to make a deposit.

Rental Agencies in some countries may resist Your declining their CDW

coverage. These Rental Agencies may try to encourage You to take their

coverage or to provide a deposit. If You experience difﬁculty using Your

CLD Insurance coverage, please call toll-free 1-800-880-6497 if You

are in Canada or the United States or, call collect (416) 977-3772

and provide:

• the name of the Rental Agency involved,

• the Rental Agency’s address,

• the date of the rental,

• the name of the Rental Agency representative with whom

You spoke, and Your rental contract number.

The Rental Agency will then be contacted and acquainted with the

CLD Insurance coverage.

In certain locations, the law requires that Rental Agencies provide Collision

Damage Coverage in the price of the vehicle rental. In these locations (and

in Costa Rica or elsewhere where Cardholders may be required to accept

CDW), the CLD Insurance will provide coverage for any required deductible

provided that all the procedures outlined in the certiﬁcate are followed and

the Rental Agency’s Deductible Waiver has been declined on the rental

contract.

You will not be compensated for any payment You may have made

to obtain the Rental Agency’s CDW.

Check the rental vehicle carefully for scratches or dents before and after

You drive the vehicle. Be sure to point out where the scratches or dents

are located to a Rental Agency representative.

If the vehicle has sustained damage of any kind, immediately phone one

of the numbers provided and do not sign a blank sales draft to cover the

damage and Loss of Use charges or, a sales draft with an estimated cost

of repair and Loss of Use charges. The rental agent may make a claim

on Your behalf to recover repair and Loss of Use charges by following the

procedures outlined in the section “In the Event of an Accident/Theft”.

PURCHASE SECURITY AND EXTENDED

WARRANTY PROTECTION

Provided by:

TD Home and Auto Insurance Company

320 Front Street West, 3

Floor

Toronto, ON M5V 3B6

The coverage Certiﬁcate below applies to the TD First Class Travel Visa

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

the Certiﬁcate:

This Certiﬁcate contains a clause which may limit the

amount payable.

Coverage Certiﬁcate

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

Protection Group Policy #TDVP112008 (the Master Policy) issued by

TD Home and Auto Insurance Company (Insurer) to The Toronto-Dominion Bank

are described in this Certiﬁcate and are effective December 1, 2008.

Please note that in Alberta, Statutory Conditions are deemed to be part

of every contract that include insurance against loss or damage to property

and said Statutory Conditions are included in the Group Policy.

Words in italics in this Certiﬁcate are deﬁned in Section 1.

Section 1 – Deﬁnitions

ACCOUNT(S) means Your TD Credit Card Account accessed using Your

TD Credit Card or TD Visa Cheque.

ACCOUNT HOLDER means the Primary Cardholder to whom the monthly

Account statement is issued and who is a resident of Canada, and any

Additional Cardholder who is a resident of Canada. The Account Holder may

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

ADDITIONAL CARDHOLDER means a person to whom a TD Credit Card has

been issued at the authorization of the Primary Cardholder.

ADMINISTRATOR means the service provider arranged by the Insurer to

provide claims payment and administrative services under the Policy.

INSURED ITEM means a new item of personal property (a pair or set being

one item) for personal use for which the full Purchase Price has been

charged to the Account of the Account Holder.

MANUFACTURER’S WARRANTY means an express written warranty issued

by or on behalf of the manufacturer of the Insured Item at the point of sale

at the time of purchase of an Insured Item. The Manufacturer’s Warranty

must be valid in Canada.

PRIMARY CARDHOLDER means a person who applied for a TD Credit Card,

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

issued.

PURCHASE PRICE means the actual cost to the Account Holder of the

Insured Item, including any applicable sales tax.

SPOUSE means:

i) a person to whom the Account Holder is lawfully married; or

ii) the designated partner where such partner has been domiciled with

the Account Holder for at least one year and is publicly represented

as the Account Holder’s Spouse.

Section 2 – What are the Insurance Beneﬁts

(a) Purchase Security

The Purchase Security Plan automatically protects most Insured Items

purchased with the TD Credit Card for ninety (90)

days from purchase for all risk of direct physical loss or damage, except as

herein provided, anywhere in the world, in excess of other applicable

insurance. If the item is lost, stolen or damaged, it will be replaced or

repaired, or the Account Holder will be reimbursed for the Purchase Price.

This protection is provided at no additional cost and is in effect for

purchases made on or after December 1, 2008.

(b) Extended Warranty Protection

(i) The Extended Warranty Protection Plan automatically provides extended

warranty coverage for Insured Items such coverage to commence

immediately following the expiry of the applicable Manufacturer’s

Warranty for a period equal to the period of the Manufacturer’s

Warranty coverage or one year, whichever is the lesser on most items

purchased with the TD Credit Card as long as there is a Manufacturer’s

Warranty valid in Canada (automatic coverage is limited to warranties

ﬁve years or less.) Manufacturer’s Warranties greater than ﬁve years

are covered if registered with the Administrator within the ﬁrst year

after purchase of the item.

(ii) To register an Insured Item with a warranty greater than ﬁve (5) years

for Extended Warranty Protection, the Account Holder must contact the

Administrator and provide:

• a copy of the sales receipt;

• Credit Card record of charge or Credit Card statement;

• serial number of the item, if available;

• original Manufacturer’s Warranty valid in Canada; and

• description of the product.

This protection is provided at no additional cost and is in effect for

purchases made on or after December 1, 2008.

Section 3 – Policy Limits

There is a maximum aggregate lifetime beneﬁt per Account Holder of

$60,000 for all TD Credit Cards of the Account Holder. The Account Holder

will be entitled to receive no more than the full Purchase Price of the

Insured Item as recorded on the Account receipt or Account statement.

Claims for items belonging to a pair or set will be paid for at the Purchase

Price of the pair or set provided the parts of the pair or set are unusable

individually and cannot be replaced individually. The Administrator, at its

sole option, may elect to:

(a) Repair, rebuild or replace the item lost or damaged (whether wholly or

in part), upon notifying the Account Holder of its intention to do so

within forty-ﬁve (45) days following receipt of the required Loss

Report; or

(b) Pay cash for said item, not exceeding the full Purchase Price thereof

paid using the Account and subject to the exclusions, terms and limits

of liability as stated in this Certiﬁcate.

Section 4 – Exclusions

Any loss or damage of any aspect of any product, device, or equipment to

function properly as caused by any change in date will be excluded. This

exclusion applies to Purchase Security and to Extended Warranty Protection.

Purchase Security

(a) Coverage is not extended to loss or damage to the following:

(i) cash or its equivalent, traveller’s cheques, tickets and any

negotiable instruments;

(ii) art objects, bullion, rare or precious coins;

(iii) perishables, animals or living plants;

(iv) jewellery and watches in baggage unless carried by hand and under

the personal supervision of the Account Holder or Account Holder’s

travelling companion previously known to the Account Holder;

(v) automobiles, motorboats, aircrafts, drones, motorcycles, motor

scooters and other motorized vehicles, parts and accessories

thereof;

(vi) ancillary costs incurred in respect of an Insured Item and not

forming part of the Purchase Price;

(vii) parts and/or labour required as a result of mechanical breakdown;

(viii) used and pre-owned items including antiques and demos;

(ix) any item purchased by and/or used for a business or commercial

purpose;

(x) items consumed in use; and

(xi) services.

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

coverage:

(i) abuse or fraud;

(ii) ﬂood or earthquake;

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

conﬁscation by authorities, contraband or illegal activity;

(iv) normal wear and tear;

(v) mysterious disappearance (used herein to mean disappearance in

an unexplained manner marked by an absence of evidence of the

wrongful act of another);

(vi) radioactive contamination;

(vii) inherent product defects;

(viii) normal course of play; or

(ix) willful acts or omissions; and

(x) indirect, incidental or consequential damages, including bodily

injury, property damage, economic loss, punitive or exemplary

damages and legal costs are not covered.

Extended Warranty Protection

In addition to any exclusions which may be set out in the Manufacturer’s

Warranty, this certiﬁcate does not cover:

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

negligence, misuse and abuse;

(ii) automobiles, motor boats, aircrafts, drones, motorcycles, motor

scooters and other motorized vehicles and parts and accessories

thereof;

(iii) willful acts or omissions and improper installation or alteration;

(iv) ancillary costs;

(v) used or pre-owned items including demos;

(vi) any item purchased by and/or used for a business or commercial

purpose; and

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

economic loss, punitive or exemplary damages and legal costs are

not covered;

(viii)inherent product defects.

Section 5 – Claims

The Account Holder must furnish the Administrator with proof of loss. This

shall include a signed Loss Report.

(a) Initial Notiﬁcation

If You have incurred a loss covered under the Purchase Security or

Extended Warranty Protection Plans, You must give notice by contacting

the Administrator within forty-ﬁve (45) days from the date of loss or damage.

Call toll-free between 8:00 a.m. and 8:00 p.m. Eastern Time Monday to

Friday: 1-800-667-8031 or (416) 977-0283

The Account Holder will be asked to provide or, if writing, should provide:

• name, address and telephone number

• Account number used to purchase the Insured Item

• description of the Insured Item and

• date, place, amount and cause of the loss or damage.

(b) Written Proof

(i) Purchase Security

In the event of a claim covered under the Purchase Security Plan, a

Loss Report will be mailed by the Administrator. Complete in full

and return within ninety (90) days from the date of loss or damage.

The Loss Report shall include but may not be limited to:

• copy of the Account charge receipt and/or Account statement

• a copy of the store receipt

• serial number of the Insured Item (where applicable) and

• any other information reasonably required by the Administrator

such as a police or insurance claim report.

(ii) Extended Warranty Protection

You must report the claim information as detailed above prior to

proceeding with the repair or replacement. The Administrator will:

1. Authorize the repair, if appropriate; and

2. Ask the Account Holder to:

• return the Insured Item to the manufacturer’s service

dealer as speciﬁed on the Manufacturer’s Warranty;

• have the authorized dealer contact the Insurer; and if

repairable

• pay for the repair and submit:

– a copy of the Account charge receipt and/or Account

statement;

– a copy of the paid repair invoice;

– a copy of the store receipt;

– serial number of the Insured Item; and

– a copy of the Manufacturer’s Warranty.

In the event that the damaged Insured Item is not repairable, submit all

applicable information to the Administrator as outlined above. The

Administrator may require the Account Holder, at the Account Holder’s

expense, to send the damaged Insured Item to an address designated by

the Administrator.

If the claim is made in respect of an Insured Item which is a gift, the claim

may be made by the Account Holder or the recipient of the gift subject to

compliance with the terms and conditions of the Certiﬁcate.

Section 6 – Termination of Insurance

This coverage terminates on the earliest of the following:

a) When Your Account is closed;

b) When Your Account is ninety (90) or more days past due but

coverage is automatically reinstated when the Account is returned

to good standing; and

c) When the Master Policy is cancelled except that the Insurer will

remain liable for the claim if the event giving rise to the claim

occurred prior to the effective termination date and the claim is

otherwise valid.

Section 7 – General Conditions

OTHER INSURANCE. The Purchase Security coverage is in excess of the

Account Holder’s other applicable valid and collectible insurance or indemnity.

The Insurer will be liable only for the excess of the amount of the loss or

damage over the amount covered under other insurance or indemnity and

for the amount of any applicable deductible, only if all other insurance has

been exhausted and subject to the exclusions, terms and limits of liability

of the Master Policy. This coverage will not apply as contributing insurance

and this “non-contribution” shall control despite any “non-contribution”

provision in other insurance or indemnity policies or contracts.

SUBROGATION. Following the Insurer’s payment of an Account Holder’s

claim or loss or damage the Insurer shall be subrogated to the extent of the

cost of such payment, to all rights and remedies of the Account Holder

against any party in respect of such loss or damage, and shall be entitled

at its own expense to sue in the name of the Account Holder. The Account

Holder shall give the Insurer all such assistance as the Insurer may

reasonably require to secure its rights and remedies, including the

execution of all documents necessary to enable the Insurer to bring suit in

the name of the Account Holder.

BENEFITS ACCOUNT HOLDER ONLY. This protection provided by the

Purchase Security and Extended Warranty Protection Plans shall inure to

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

right, remedy or claim, legal or equitable, to the beneﬁts.

DUE DILIGENCE. The Account Holder shall use due diligence and do all

things reasonable to avoid or diminish any loss of or damage to property

protected by the Master Policy. Where damage or loss is due to a malicious

act, burglary, robbery, theft or attempt thereat, or is suspected to be so

due, the Account Holder shall give immediate notice to the police or other

authorities having jurisdiction. The Insurer will require evidence of such

notice with the Loss Report prior to settlement of a claim.

FALSE CLAIM. If an Account Holder makes any claim knowing it to be false

or fraudulent in any respect, such Account Holder shall no longer be entitled

to the beneﬁts of this protection or to the payment of any claim made

under the Master Policy.

LEGAL ACTION LIMITATION PERIOD. Every action or proceeding against the

insurer for the recovery of insurance money payable under the contract is

absolutely barred unless commenced within the time set out in the

Insurance Act (for actions or proceedings governed by the laws of Alberta

or British Columbia), The Insurance Act (for actions or proceedings

governed by the laws of Manitoba), the Limitations Act, 2002 (for actions

or proceedings governed by the laws of Ontario), the Civil Code of Quebec

(for actions or proceedings governed by the laws of Quebec), or other

applicable legislation.

MASTER POLICY. This certiﬁcate is not a Policy of Insurance. In the event of

any conﬂict between this description of coverage and the Master Policy, the

terms and conditions of the Master Policy will govern. In no event does

possession of multiple certiﬁcates or TD Credit Card Accounts entitle an Insured

Person to beneﬁts in excess of those stated herein for any one loss sustained.

All trademarks are the property of their respective owners.

* Trademark of Visa International Service Association and used under

license.

The TD logo and other trade-marks are the property of

The Toronto-Dominion Bank.

528190(0720)

50320511