Credit Cards

TD Business Card Features

TD Business Card Features1

Tools for Managing Business Expenses

Optional Monthly Management Reports are available at no additional cost to you. With monthly management reports, your business can receive monthly, comprehensive management reports that detail the business expenses charged2 to all Cards associated with your company's TD Business Visa Account.

These reports detail individual and company expenses, so it's easy to tell at a glance what was spent, where, when and by whom. Reports are categorized by:

You will be able to use the reports to help identify where costs are running high or to track how employees are using their monthly budgets. It's an effective system that helps keep you informed and in control.

To learn more about these reports see below:
Optional Monthly Management Reports

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Protection Benefits

Travel Protection

• Common Carrier Travel Accident Insurance³ — provides up to $500,000 coverage for you, your spouse and dependent children
• Auto Rental Collision/Loss Damage Insurance⁴ — save up to $20 a day when you use your Card to rent a car
• Delayed and Lost Baggage Insurance⁵ — provides up to $1,000 coverage

Emergency Assistance Services

• Emergency Travel Assistance Services6 - provides help in a personal emergency when you are travelling

Peace of Mind Features

• Purchase Security and Extended Warranty Protection5
• Optional Travel Medical Insurance7 - 24-hour-a-day emergency medical coverage anywhere in the world. Choose between Annual Plan coverage (the best value for frequent travellers) which includes Trip Interruption and Trip Cancellation insurance, or Per Trip coverage for occasional travellers

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Travel Benefits

• Get Budget Rent A Car Preferred Rates - in Canada, the U.S. and other international locations
• Get No-Fee American Express Travellers Cheques - at TD Canada Trust branches
• Guaranteed Hotel Reservations - peace of mind, even if you arrive late
• Optional Business Auto Club8 - be prepared for road emergencies anywhere in Canada and the continental U.S.

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Visa Benefits

• Worldwide Acceptance - your Card is welcomed at over 27 million merchants and more than 1 million automated banking machines
• Emergency Assistance from the Visa Service Centre - get toll-free emergency Card replacement, cash advances and more
• Guaranteed Hotel Reservations - peace of mind, even if you arrive late
• TD Visa Fraud Protection (24-hour) - Our enhanced protection measures are part of an industry-wide effort to protect you from the inconvenience of credit card fraud
• Wallet Card - features worldwide customer service numbers and TD Visa Fraud Prevention measures

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Business Banking Services

• EasyWeb Internet Banking - manage your Account online with EasyWeb Internet banking, 24 hours a day, seven days a week
• Pre-Authorized Payment Service - convenient, automatic payments from any bank account at any Canadian financial institution
• 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

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Turn your Business Expenses into Travel Rewards

With your TD Business Travel Visa Card, you'll be able to manage your business expenses effectively and enjoy exclusive travel features and the freedom to book your trip through any travel agency or website - as well as take advantage of any deal you see advertised in the newspaper or online - and still use your TD Points.

For an annual fee of only $1499, you can earn TD Points on purchases charged to your Card by applying for the TD Business Travel Visa Card. PLUS, get 30,000 Bonus TD Points10 upon approval. Call 1-800-983-8472 and speak to a TD Visa Customer Service Representative today.

Your TD Points will accumulate quickly because you'll earn 3 TD Points for every $1 you spend on purchases on your Card,11 and you can begin redeeming with as few as 10,000 TD Points.12 You'll also earn triple rewards (9 TD Points for every $1 you spend on travel purchases) when you book travel on your Card through the exclusive travel agency, the TD Visa Travel Rewards Centre13.

See how quickly your TD Points can add up!^*

* This chart is for illustrative purposes only
** One-time Enrollment Bonus applies only in the first year

Apply for a TD Business Travel Visa Card and start enjoying all the great benefits and travel features included with your Card.1

Book your travel any way you want

• Unlike most travel cards, you don't have to book your travel at a particular travel agency in order to use your TD Points. The TD Business Travel Visa Card gives you the freedom to book your trip through any travel agency or travel provider you choose
• When you book your trip at a travel provider other than the TD Visa Travel Rewards Centre, simply charge it to your Card, and then call the TD Visa Travel Rewards Centre at 1-800-983-1043 once the charge for your travel is posted to your Account, and within 90 days of the transaction date of your travel purchase (for example, if you book your travel on April 1, you must redeem TD Points through the TD Visa Travel Rewards Centre by July 1)
• The required number of TD Points will be redeemed from your TD Points balance on the date you call to redeem and your TD Visa Account will be credited by the amount of TD Points redeemed14
• Book your travel through the exclusive travel agency - the TD Visa Travel Rewards Centre - or the exclusive website at www.tdtravelrewards.com, where your TD Points will be redeemed automatically upon booking. Earn triple rewards for travel purchases charged to your Card at the TD Travel Rewards Centre
• Book your travel in any class (including business class and first class)

Great flexibility when redeeming your TD Points

• Redeem your TD Points for whatever type of travel you prefer, including air, package, hotel, cruise, car rental, train
• Unlike other travel reward cards, you are not limited to "reward" seats and you don't have to book in advance in order to use your TD Points. There are no seat restrictions, blackout periods or advance booking requirements. With TD Points, you can travel any time of year, including peak periods, and even during seat sales15 - and still use TD Points
• Use your TD Points for taxes that apply to your travel purchases, such as GST or provincial taxes, as well as any other charges or fees you may incur at the time of booking, such as port charges or airport improvement fees
• Your TD Points do not expire16

Receive the TD Business Visa Card for only $50 per year¹¹ for each card issued.

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What is a TD Point worth?

30,000 TD Points are worth $150 off the cost of travel. You can begin redeeming your TD Points with a minimum of 10,000 TD Points.

$10,000 in purchases on your Card = 30,000 TD Points = $150 off the cost of travel

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Redeeming your TD Points is Simple

It's easy to redeem your TD Points through the exclusive travel agency, the TD Visa Travel Rewards Centre, or through any other travel agency or website you choose.

When you book through the TD Visa Travel Rewards Centre, there are three ways to book your travel:

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 9 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 9 TD Points for every $1 charged to the Card. When you charge the full cost of your travel to your Card, a booking fee¹⁵ 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:¹²

Step 1 — Simply book your travel on your Card through the travel provider of your choice

Step 2 — Allow for the travel purchase to be posted to your TD Visa Account and appear on the TD Visa Travel Rewards Centre's records. To determine when a travel purchase has been posted to your Account, 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.

Step 3 — Call the TD Visa Travel Rewards Centre at 1-800-983-1043 and state the number of TD Points you wish to redeem and they will be deducted from your TD Points balance available that day and the value of those TD Points will be credited to your TD Visa Account. You can choose to redeem all or a portion of the TD Points available in your TD Points balance towards the cost of your travel purchase.

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 TD Visa Travel Rewards Centre today at www.tdtravelrewards.com

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Convert your TD Points to American Airlines AAdvantage^® miles¹⁶

• TD Business Visa with Travel Rewards Cardholders can redeem and convert TD Points to American Airlines AAdvantage^® miles
• 4 TD Points = 1 AAdvantage® mile
• A minimum of 50,000 TD Points is required to redeem and convert your TD Points into AAdvantage^® miles. Thereafter, conversion takes place in increments of 10,000 TD Points
• TD Points must be redeemed and converted through the TD Visa Travel Rewards Centre
• Redemptions are subject to the Cardholders' TD Points balance

See the chart below to find out how your TD Points will convert to AAdvantage® miles.

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¹ 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 January 19, 2009 and are subject to change.
² Detailed management reports are provided only for months in which there is account activity. Reports are optional and available at no additional charge.
³ Underwritten by Chubb Insurance Company of Canada.
⁴ 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.
⁵ Underwritten by TD Home and Auto Insurance Company.
⁶ 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 TD Visa Card. .
⁷ All TD Canada Trust customers, including TD Visa 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.
⁸ Auto Club Membership provided by Sykes Assistance Services Corporation, an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services.
⁹ Annual fee applies per Card. Annual interest rate that applies to the TD Business Travel Visa Account is 19.75%. All interest rates, fees and features are current as of January 19, 2009 and subject to change.
¹⁰ Applies to new TD Business Travel Visa Card 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.
¹¹ Three TD Points are awarded for every $1 in purchases charged to the Account. 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 Account. 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.
¹² TD Points must be redeemed in 10,000 point increments.
¹³ TD Visa Travel Rewards Centre is operated by Carlson Marketing Canada Ltd.
¹⁴ To redeem TD Points for travel purchases charged to your Card that are not booked through the TD Visa Travel Rewards Centre (the "Centre"), 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. 15 Subject to carrier/space availability.
¹⁵ Subject to carrier/space availability.
¹⁶ TD Points will not expire so long as your TD Visa Account remains open. If not redeemed, TD Points will expire within 90 days of the Account closure date.
¹⁷ A $40 booking fee (plus applicable taxes) applies and will be charged to your Card unless travel is booked online through www.tdtravelrewards.com or if you redeem TD Points toward a travel purchase. Current as of January 19, 2009 and subject to change. Visit www.tdtravelrewards.com or call the TD Visa Travel Rewards Centre for further details.
¹⁸ The Toronto-Dominion Bank is not responsible for the products or services offered by American Airlines, Inc. (including AAdvantage® miles) through the AAdvantage® program or the products or services of companies participating in the AAdvantage® program. American Airlines reserves the right to change the AAdvantage® program rules and regulations any time without notice and to end the AAdvantage® program upon six months notice. American Airlines is not responsible for products or services offered by other participating programs. For full details and conditions about the AAdvantage® program, visit www.aa.com
^® Used under license from American Express Company.