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Current as of April 1, 2013 unless otherwise indicated and are subject to change.

¹ To redeem TD Points for travel purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the Centre after the travel purchase has been posted to the Account and within 90 days from the transaction date of the travel purchase. The required TD Points will be redeemed from the TD Points balance available on the date TD Points are redeemed for the travel purchase, not the transaction date of the travel purchase. The amount that will be credited toward the travel purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel purchase not covered by the TD Points redeemed will remain on the Account for payment. TD Points must be redeemed in 10,000 -point increments.

² Applies to new TD First Class Travel Visa Infinite Accounts (Accounts) only. The Welcome Bonus of 20,000 TD Points (Bonus) will be awarded to the new Account upon approval. Limit of one (1) Bonus per Account. We reserve the right to limit the number of new Accounts opened by any one person to one. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

³ Applies to new TD Platinum Travel Visa Infinite Accounts (Accounts) only. The Welcome Bonus of 15,000 TD Points (Bonus) will be awarded to the new Account upon approval. Limit of one (1) Bonus per Account. We reserve the right to limit the number of new Accounts opened by any one person to one. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

⁴ Applies to new TD Classic Travel Visa Infinite Accounts (Accounts) only. The Welcome Bonus of 2,000 TD Points (Bonus) will be awarded to the new Account upon approval. Limit of one (1) Bonus per Account. We reserve the right to limit the number of new Accounts opened by any one person to one. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

⁵ Cash back rewards are earned on Purchases charged to the Account. Credit for refunds, returned items, rebates or other similar credits will reduce or cancel the cash back rewards earned by the full or partial amount originally charged to the Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and Access Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn cash back rewards.

⁶ Redemptions of cash back rewards at any time on request must be for a minimum amount of $25. Where the Primary Cardholder opts to redeem the cash back rewards on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash back rewards will continue to accrue until instructions are provided to redeem. There is no maximum annual amount of cash back rewards that can be earned. For complete details on how to redeem cash back rewards, please see the “TD Cash Back Rewards Program Terms and Conditions” section of the TD Cash Back MasterCard Cardholder Agreement available.

⁷ Preferred variable annual interest rate is one of the following: TD Prime + 2.0%, TD Prime + 4.0%, TD Prime + 7.0%, TD Prime +10.0%, TD Prime + 12.0% and TD Prime + 15.0%. The standard rate of 21% applies if your Minimum Payment is not received within 30 days from your Payment Due Date. The fixed percentage rate of interest (the Fixed Rate) that is added to TD Prime is assigned by us and may be re-assigned by us annually based on an assessment of your credit record in our absolute discretion. TD Prime is disclosed on the Internet at www.tdcanadatrust.com, or please call us at 1-888-388-9666. If you would like to find out what your individual interest rate would be, please call us toll-free at 1-877-247-2265. Upon approval, your initial rate will also be provided to you with the Disclosure Statement that we send to you. “TD Prime” means the annual interest rate established and reported by us to the Bank of Canada from time to time as a reference rate of interest for the determination of interest rates that we charge to customers of varying degrees of creditworthiness in Canada for Canadian Dollar loans.

⁸ Welcome Bonus applies only to the new TD Business Travel Visa Account opened for the Card with the Annual Fee of $149 issued in the name of the business (the “Account”). Welcome Bonus will be awarded to the Account upon approval. Limit of one (1) Welcome Bonus for the Account. TD reserves the right to limit the number of Accounts opened by any one person or business. Welcome Bonus does not apply to additional Cards issued in the name of the same business. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice.

⁹ Preferred variable annual interest rate is one of the following: TD Prime + 2.0%, TD Prime + 4.0%, TD Prime + 7.0%, TD Prime +10.0%, TD Prime + 12.0% and TD Prime + 15.0%. The standard rate of 21% applies if your Minimum Payment is not received within 30 days from your Payment Due Date. The fixed percentage rate of interest (the Fixed Rate) that is added to TD Prime is assigned by us and may be re-assigned by us annually based on an assessment of the Business Borrower and Individual Borrower(s) credit record in our absolute discretion.
Interest is charged daily on the amount of each charge to the Account from and including the transaction date. There is no interest-free grace period.

^® All Trade-marks are the property of their respective owners. ^® / The TD logo and other trade-marks are the property of the Toronto-Dominion Bank or a wholly-owned subsidiary in Canada and/or other countries.