Credit Cards

TD Classic Travel Visa Card

Protection Features included with your new Card⁴

• Emergency Cash Advances (up to your available credit limit)

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What is a TD Point worth?

10,000 TD Points are worth $50 off the cost of travel. You can begin redeeming your TD Points with a minimum of 10,000 TD Points.

$5,000 in purchases on your Card = 10,000 TD Points = $50 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 2 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 2 TD Points for every $1 charged to the Card.

A booking fee will be applied to your Card unless travel is booked online through www.tdtravelrewards.com⁹

When you book your travel through any other travel agency or online website:⁶

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® miles¹⁰

• TD Classic Travel Visa Cardholders can redeem and convert TD Points to American Airlines AAdvantage® miles
• 4 TD Points = 1 AAdvantage® mile
• A minimum of 150,000 TD Points is required to redeem and convert your TD Points into AAdvantage® miles. Thereafter, conversion takes place in increments of 30,000 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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Credit Card Information⁴

• Annual Fee: $19¹¹
• Annual Interest Rate: 19.75%

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Authorized User Cards

• You will earn TD Points on eligible purchases made on Authorized User Cards, as well as on your own Card¹². You can add up to three TD Classic Travel Visa Authorized User Cards to your account at no additional charge!

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Optional Services

• Travel Medical Insurance¹³ — 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 Insurance¹⁴ — 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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  The Power of Visa

• 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
• Wallet Card — features worldwide customer service numbers and TD Visa Fraud Prevention measures

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Personal Banking Services

• 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 Visa 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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Verified by Visa

Create your own personal, private password and shop online with confidence. Learn more

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¹Applies to new TD Classic 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 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.
⁵ The TD Visa Travel Rewards Centre is operated by Carlson Marketing Canada Ltd.
⁶ 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 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 Visa Account remains open. If not redeemed, TD Points will expire within 90 days of the Account closure date.
⁹ 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 TD Visa Travel Rewards Centre for further details.
¹⁰ 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
¹¹ Fee applies per year per Card.
¹² Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User.
¹³ 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. 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.
¹⁴ 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.
^® AmericanAirlines and AAdvantage are registered trademarks of American Airlines, Inc.