Credit Cards

• Common Carrier Travel Accident Insurance⁹ — provides up to $500,000 coverage for you, your spouse and dependent children
• CardAssist Card Registry Service — protects you against fraudulent charges, and provides many other helpful services at no extra charge
• Purchase Security and Extended Warranty Protection¹⁰ — lets you enjoy worry-free shopping
• Emergency Cash Advances (up to your available credit limit)
• Emergency Travel Assistance Services¹¹ — provides help in a personal emergency when you are travelling
• Auto Rental Collision/Loss Damage Insurance¹² — save up to $20 a day when you use your Card to rent a car
• Delayed and Lost Baggage Insurance¹⁰ — provides up to $1,000 coverage
• Get Avis and Budget Rent A Car Partner Rates can save you up to 25% worldwide
• Get No-Fee American Express Travellers Cheques — at TD Canada Trust branches

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1. Free Travel — by redeeming the required number of TD Points for your travel
2. Discount Travel — by using a combination of TD Points plus a charge to your Card. Earn 6 TD Points for every $1 of the travel charged to your Card
3. Other Travel — you can charge the full cost of your travel to your Card and earn 6 TD Points for every $1 charged to the Card. When you charge the full cost of your travel to your Card, a booking fee¹³ will be applied to your Card unless travel is booked online at www.tdtravelrewards.com

When you book your travel through any other travel agency or online website:

Cardholders can call to redeem their TD Points for travel purchases charged to their Card within the previous 90 days. (For example, if the transaction date of your purchases is April 1, the last day you can redeem TD Points is 90 days later - July 1.)

To book travel or to redeem your TD Points, call toll-free 1-800-983-1043. In the Toronto area, call 416-236-1043. Or visit the Expedia for TD today at www.tdtravelrewards.com

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• Travel Medical Insurance¹⁷ — 24-hour-a-day emergency medical coverage anywhere in the world. Choose between Annual Plan coverage (the best value for frequent travelers) which includes Trip Interruption and Trip Cancellation insurance, or Per Trip coverage for occasional travelers.
• Balance Protection Insurance¹⁸ — get the security of knowing that your Card payments can be made for you if you can't make them
• TD Standard or Deluxe Auto Club — be prepared for road emergencies anywhere in Canada and the continental U.S.

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• Worldwide Acceptance — your Card is welcomed at over 27 million merchants and more than 1 million automated banking machines
• Emergency Assistance from the Credits Cards Service Centre — get toll-free emergency Card replacement, cash advances and more
• Guaranteed Hotel Reservations — peace of mind, even if you arrive late
• Wallet Card — features worldwide customer service numbers and TD Credit Cards Fraud Prevention measures

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• 24-hour Instant Cash Access — cash advances at over 1 million automated banking machines worldwide and TD Canada Trust branches
• 24-hour Account Access — to your Account and Account information
• Every Branch Banking and Cheque Cashing Privileges — at TD Canada Trust branches
• TD Visa Cheques — to use wherever credit cards aren't accepted or to transfer non-TD Credit Card balances to your Account
• Pre-Authorized Payment Service — convenient, automatic payments from any bank account at any Canadian financial institution

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¹Applies to new TD Platinum Travel Visa Accounts only. Bonus TD Points will be awarded to the new Account upon approval. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.
² TD Points are awarded for purchases charged to the Card. Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned by the amount originally charged to the Card. 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.
³ TD Points must be redeemed in 10,000 point increments.
⁴ The Expedia for TD is operated by Carlson Marketing Canada Ltd.
⁵ Benefits, features and coverages are subject to conditions, exclusions, limitations, changes and cancellation. Some benefits and coverages are only offered to the Primary Cardholder. Interest rate, fees and features are effective as of March 17, 2008 and are subject to change.
⁶ To redeem TD Points for travel purchases charged to your Card that are not booked through the 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 towards 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.
⁷ Subject to carrier/space availability.
⁸ TD Points will not expire so long as your TD Credit Cards Account remains open. If not redeemed, TD Points will expire within 90 days of the Account closure date.
⁹ Underwritten by Chubb Insurance Company of Canada.
¹⁰ Underwritten by Elite Insurance Company.
¹¹ Provided by World Travel Protection Canada Inc. This is not an insurance benefit but assistance services only. Details of benefits, conditions, limitations and exclusions are outlined in the Cardholder Agreement and Benefit Coverages Document provided with your credit cards.
¹² Underwritten by Primmum Insurance Company. Car rentals must be charged in full to the card, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver must be declined by the cardholder.
¹³ A $40 booking fee (plus applicable taxes) applies and will be charged to your Card unless travel is booked online through www.tdtravelrewards.com. Current as of March 17, 2008 and subject to change. Visit www.tdtravelrewards.com or call the Expedia for TD for further details.
¹⁵ Fee applies per year per Card.
¹⁶ Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User.
¹⁷ All TD Canada Trust customers including TD Credit Card cardholders are eligible to apply for optional Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and claims assistance, claims payment and administrative services are provided by World Travel Protection Canada Inc. This insurance is subject to exclusions and limitations that are fully described in the certificate of insurance included which is issued if accepted for enrollment. Branch enrollments are not available outside Ontario. Note that this optional insurance offers different benefits, on different terms and conditions, than the Travel Medical Insurance that is automatically included with the TD First Class Travel Visa Infinite Card.
¹⁸ Life and Critical Illness coverages are underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and Involuntary Unemployment and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida (ABIC). TD Life Insurance Company acts as administrator for ABIC/ABLAC. TD Canada Trust does not act as an agent for ABIC/ABLAC. Neither TD Canada Trust and ABIC nor TD Canada Trust and ABLAC have an equity interest in each other. Dismemberment Insurance is underwritten by TD Life Insurance Company. TD Canada Trust does not act as an agent for its wholly-owned subsidiary. TD Canada Trust receives a fee from each insurer with respect to premium collection. Complete terms of coverage are on the Certificate of Insurance you will receive upon enrollment. Limitations and exclusions apply, and vary by benefit.