TD Cash Back

Visa Infinite* Card

Welcome
Guide
Earn 3% Cash
Back Dollars
on eligible
Purchases.

Discover your
TD Cash Back Visa Infinite* Card

1 Getting Started 3
2 Cash Back Dollars 4
3 Benefits 7
4 Insurance 10
5 Convenience 13

6 Card Security 17

7 Contact and Support 19

2
 1 Getting Started
Welcome to your new
TD Cash Back Visa Infinite*
Card
Quick steps for getting started
and making the most of your Card
• Register for EasyWeb® Online banking
at [Link] to access and
manage your Account online and sign
up for online statements or, if you
prefer to bank by phone, call EasyLine®
telephone banking at 1-866-222-3456.
• Visit My TD Rewards in the TD app or in
EasyWeb to manage your Cash Back
Dollars and discover loyalty perks.
• Learn how to set up your Card on your
phone at [Link]/waystopay to pay for
purchases at participating retailers
through Apple Pay1, Google Pay1 and
Samsung Pay1.
• Update your Card as the Primary
Card on your favourite retail apps like
auto-reloads, food delivery and
transportation to earn Cash Back
Dollars on these Purchases.

• Set up regularly recurring bill

payments on your Account through
participating merchants to save time
and avoid late fees with bills paid
automatically on their due dates. Plus,
earn 3% in Cash Back Dollars for every
$1 in regularly recurring bill payments
set up on your Account2.
• Download the TD app to view your
Credit Card Account almost anywhere.
Plus, you can bank at home, or on the
go. Learn more at [Link]/app

3
 2 Cash Back Dollars
Your Cash Back Dollars
With your TD Cash Back Visa Infinite*
Card, you earn Cash Back Dollars with
every Purchase and you can redeem them
how and when you want.
• Earn 3% in Cash Back Dollars on
Grocery Purchases and Gas Purchases3
and on regularly recurring bill
payments2 set up on your Account
• Earn 1% in Cash Back Dollars on all other
Purchases made with your Card4
• Redeem5 your Cash Back Dollars
annually or at any time – the choice is
yours!
• Your Cash Back Dollars never expire as
long as your Account is open and in
good standing

How to redeem your

Cash Back Dollars
Redeem5 your Cash Back Dollars to pay
down your Account Balance. You can do
this at any time during the year (min. $25)
or set up your Account to do this annually
each January with no minimum required.
You can manage your redemption
preference at [Link]

4
Ways to manage your
Cash Back Dollars

[Link]

Redeem, view your balance, earn history

and set up your redemption preference.
Register at [Link]

EasyWeb
View and redeem your Cash Back Dollars
to pay down your Account balance.
Log in at [Link]

TD app
On the go? Redeem and view your
balance through the TD app.
Learn more at [Link]/app

Over the phone

Call us and speak with our customer
service team to redeem.
1-800-983-1043

Earn more Cash Back Dollars

Add Additional Cardholders
Add up to three Additional Cardholders
and earn Cash Back Dollars every time
they use their Cards to make Purchases.
Add Additional Cardholders with no credit
approval required6.
w Learn more at
[Link]/additionalcardholder

5
Explore [Link]
Register today at [Link] to take
advantage of what your Cash Back Dollars
have to offer you! At [Link], you
can:
• check your Cash Back Dollars balance;
• manage how and when you redeem
your Cash Back Dollars;
• track the Cash Back Dollars you have
earned;
• sign up to receive special
communication emails.

• Starbucks® Rewards
Earn 50% more Stars at participating
Starbucks® stores. Conditions apply.
w Learn more at [Link]/starbucksoffer

6
 3 Benefits
Your TD Cash Back
Visa Infinite* Card comes
with perks
From Deluxe TD Auto Club membership to all
the advantages of being a Visa Infinite
Cardholder, your Card gives you access to
the best.
Enjoy Deluxe TD Auto Club Membership7
Deluxe TD Auto Club membership is
included at no additional charge with the
TD Cash Back Visa Infinite* Card.
You’ll be covered 24 hours a day with
Emergency Road Services in case
something goes wrong when you are out
on the road.
w Find out more at [Link]/autoclub

Take advantage of being

a Visa Infinite* Cardholder8
Complimentary Visa Infinite*
Concierge Service9
Complimentary Visa Infinite* Concierge
service is on call, 24 hours a day, seven
days a week, to help you whenever you
travel, shop and use your Card. Consider
the Concierge your own personal assistant,
able to offer expert insights and advice on
everything from travel bookings to
restaurant recommendations, and much
more.

Visa Infinite Luxury Hotel Collection8

Experience some of the world’s most
intriguing and prestigious properties – the
Visa Infinite Luxury Hotel Collection. A
distinctive and unique collection of

7
benefits, such as food and beverage
vouchers, and complimentary late
checkout, with hotel stays booked through
the Visa Infinite Luxury Hotel Collection.

Visa Infinite Food and Wine Experiences9

Enjoy access to dining events hosted at
top restaurants across the country, with
food prepared by some of the nation’s
most renowned and respected chefs
through the Visa Infinite Dining Series.
You will not only experience the finest of
foods, but will also meet the culinary artists
who create it. Enjoy on-site benefits, such as
complimentary wine tastings, at over 40
participating wineries in B.C. and Ontario
with the Visa Infinite Wine Country Program.
The Visa Infinite website is your portal for
accessing benefit information. Visit
[Link] to start exploring the benefits
available to you as well as opt-in to receive
the latest news and offers from Visa Infinite.
w Visit [Link] or call Visa toll-free
1-888-853-4458 (from Canada and
the U.S.) or 1-630-350-4545 (from
outside of Canada and the U.S.)

8
Save with Avis Rent a Car
and Budget Rent a Car
Save a minimum of 10% on the lowest
available base rates10,11 in Canada and the
U.S., and a minimum of 5% on the lowest
available base rates10,11 internationally, on
qualifying car rentals at participating Avis
and Budget locations.

Avis Reserve at [Link]/tdcreditcards.

Quote Avis Worldwide Discount
(AWD) #C078400 at time of
reservation and charge the full rental
to your TD Cash Back Visa Infinite*
Card

Budget Reserve at [Link]/

tdcreditcards. Quote Budget
Customer Discount (BCD)
#A331700 at time of reservation and
charge the full rental to your TD Cash
Back Visa Infinite* Card

9
 4 Insurance
Explore the insurance
coverages included
with your TD Cash Back
Visa Infinite* Card
Discover the travel insurance benefits of
your credit card when you’re ready to
travel. Learn about what travel insurance
benefits are available on your TD Cash
Back Visa Infinite* Card with our Credit
Card Travel Insurance Verification Tool at
[Link]/creditcardtravelinsurancetool
Travel Medical Insurance12 – You have
coverage without even having to charge the
trip to your Card! Leaving home for a day,
a week or an extended vacation is a great
way to leave your worries behind. To help
you with the consequences of unforeseen
events, your TD Cash Back Visa Infinite* Card
features Travel Medical Insurance, which
includes:
• up to $2 million comprehensive
emergency medical coverage for when
you are travelling outside of your
province or territory, whether
internationally or within Canada;
• no out-of-pocket costs for eligible
emergency medical expenses;
• 24/7 emergency medical assistance;
• coverage for the first 10 days of your
trip if you are under 65 years of age. If
you or your spouse is aged 65 or older,
you are covered for the first 4 days of
your trip. For longer trips, top-up
coverage is available for purchase by
calling 1-800-293-4941.

10
Delayed and Lost Baggage Insurance13 –
If your baggage is delayed more than
6 hours, each covered person has coverage
for emergency purchases of essentials
such as clothing and toiletries. Coverage is
also provided if your baggage is lost by a
Common Carrier. The total benefits payable
in respect of both delayed and lost
baggage are subject to a maximum of
$1,000 per covered person per trip.
Auto Rental Collision/Loss Damage
Insurance14 – Simply use your Card to pay
for the full cost of a car rental, and get
the Collision Damage Waiver (CDW)
coverage at no additional cost for up to
48 consecutive days. Please note, some
rental agencies may require you to buy the
CDW coverage from them. It is important
to contact the rental agency before
reserving a car to verify their policies.
Purchase Security and Extended
Warranty Protection15 – You automatically
have access to Purchase Security and
Extended Warranty Protection, which
includes coverage for most eligible new
items you’ve purchased with your Card:
• Repair, replacement or reimbursement
should items be lost, stolen or
damaged within 90 days of purchase
• Double your warranty, up to 12
additional months, if the eligible item
came with a manufacturer’s warranty
valid in Canada

Mobile Device Insurance16 – Get mobile

device protection of up to $1,000 in the
event of loss, theft, accidental damage or
mechanical breakdown for eligible mobile
devices when you use your Card to pay all

11
of your monthly mobile bill payments and
any upfront costs, or charge a minimum of
75% of the purchase price when paying the
full cost of your new mobile device up front.

Enhance your
TD Cash Back Visa Infinite* Card
with optional benefits
Optional Trip Cancellation and
Trip Interruption Insurance17
With Trip Cancellation and Trip
Interruption Insurance, if due to a covered
cause such as an illness, injury, and more:
• You need to cancel your trip, we’ll help
you recover your trip expense
• You need to return home early, we’ll
cover the cost of your eligible return
transportation
w For more information about Trip
Cancellation and Trip Interruption
Insurance, and to enroll, visit
[Link]/travelmedicalinsurance
or call 1-800-293-4941.

Be prepared with optional TD Credit

Card Payment Protection Plan18
Optional Payment Protection Plan is
designed to help pay down the
outstanding balance on your TD Cash
Back Visa Infinite Card in the event of your
Job Loss, Total Disability, or Loss of Life.
w To learn more about optional
Payment Protection Plan or to enroll,
call 1-800-294-8602 or visit
[Link]/BP

12
 5 Convenience
Enjoy the convenience
of your TD Cash Back
Visa Infinite* Card
Discover all the features that make using
your Card more convenient every day,
from simplifying making purchases to
assistance if you lose your Card.

Help and assistance

• If your TD Credit Card is damaged or
not working, you can request a
replacement Card online through
EasyWeb, through the TD app using
your mobile device, or by phone at
1-800-983-8472.
• If your TD Credit Card has been
lost or stolen, you must immediately
report this to us by phone at:
1-800-983-8472.
• Fast, reliable access to cash.
You can ask for an emergency Cash
Advance of up to $5,000 in emergency
funds (subject to your available credit
limit), at over one million ATMs
worldwide, at all TD Canada Trust
branches and at select financial
institutions around the world.
• Getting information when you need it.
The TD Credit Card Contact Centre
can help you with important
information, such as the location of the
nearest Visa member office for Cash
Advances or contact numbers for
embassies and consulates.

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Ways to Pay
Save time with Apple Pay1, Google Pay1
and Samsung Pay1
These Digital Wallets are accepted in a
growing number of shops, restaurants and
other retailers, making it convenient and
easy to use for your everyday purchases.
w To learn more: [Link]/waystopay

Tap to pay with Visa

Contactless payments are a secure way to
pay for small-dollar purchases at
participating retailers. It’s faster and more
convenient than cash – and your Card
never leaves your hand.

Pay online easily and securely

Online buying is evolving so you can pay
with fewer clicks. Paying online with your
TD Visa Card is easy, smart and secure.
Just click to pay with your TD Visa when
you see the Click to Pay icon where Visa is
accepted.
w Enroll now at [Link]

Manage your Account, your way

TD Green Machine® ATMs
Access and manage your Card Account at
any of our ATMs.
w Find an ATM at [Link]/branchlocator

EasyWeb® Online banking

Manage your Card Account easily online.
w Log in to EasyWeb at [Link]

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Easyline® telephone banking
Give us a call to access or manage your
Card Account.
w Call 1-866-222-3456

TD app
Get secure access to TD’s mobile banking
service anywhere you are.
w Learn more at [Link]/app

Balance Transfers
Consider consolidating any higher-rate
non-TD credit card balances you may have
to your TD Cash Back Visa Infinite* Card
Account through a Balance Transfer19. By
transferring your balances you can more
easily keep track of your expenses with one
monthly payment. Talk to us about the
convenience and potential interest savings
of consolidating your balances to your
TD Cash Back Visa Infinite* Account.
w For more information, visit us at your
nearest TD Canada Trust branch or
call 1-800-983-8472.

Payment Plans
Turn credit card purchases into manageable
monthly payments. This convenient feature
gives you more control over your budget
knowing when these purchases are paid off
in full. This can come in handy if you’re
planning to buy a new laptop, go on a trip or
start a home renovation project. (Conditions
apply. Visit [Link]/paymentplans for
details.)

15
Emergency Travel
Assistance Services
Help is just a call away. Toll-free access to
help in the event of a personal emergency
while travelling. Emergency Travel
Assistance Services20 can help you with:
• Translation services in the event of an
emergency situation
• Lost document and ticket replacement
• Emergency Cash Transfer in the event
of a theft, loss or emergency. Our
Administrator can assist you to obtain a
Cash Advance, which will be charged
to your Account.
• In Canada and the U.S. call
1-866-374-1129. In other countries, call
collect 416-977-4425.

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 6 Card Security
Explore your TD Cash Back
Visa Infinite* Card security
features and protection
Protecting the security of your Card
should always be a priority. That’s why
your TD Cash Back Visa Infinite* Card
comes with features that help protect you
when you shop online and in person.

Security Features
• Shop online and in person securely
with Visa Zero Liability and be
protected in the event that
unauthorized transactions are made on
your Card. See your Cardholder
Agreement for complete information
on unauthorized transactions and your
responsibilities, including your
responsibility to protect your PIN.
• Shop with confidence with Chip & PIN
technology. Chip and PIN technology
provides an added level of security
through the use of a Personal
Identification Number (PIN).
• Lock or unlock your Card. Feel more
confident if you misplace your credit
card by locking your Card in the
TD app. When locked, pre-authorized
payments and ATM transactions will
still go through, credit card payments
will still be accepted, and you can
make transfers. If you find your Card,
it’s just as easy to unlock it.

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Personal Identification Number (PIN)
Security Tips
• Choose a PIN you can remember that’s
difficult to guess. Don’t use a phone
number or birthday.
• Never write down your PIN.
• Protect your PIN and use your hand or
body to shield the keypad when you
enter your PIN.
• Never let anyone else know or use your
PIN or use your Card.
• Make transactions only when and
where you feel secure. If in doubt, don’t
use your Card.
w Reset your PIN easily and
conveniently at a TD Canada Trust
Branch or 24/7 at any TD Canada
Trust Green Machine (ATM).

Fraud Protection (24-hours)

Our protection measures help protect
you from credit card fraud. In the event
that we detect unusual activity relating
to your Account:
• you may receive a phone call from
a TD Credit Card Customer Service
Representative asking you to confirm
that you, or an Additional Cardholder,
performed a transaction on your
TD Cash Back Visa Infinite* Card
or Account.
• during a transaction, a merchant may
receive an electronic message
requesting that they contact the
TD Credit Card Contact Centre and
allow you to speak with one of our
Customer Service Representatives.

18
• your Card may be temporarily blocked
until we can contact you for verification.
• You can now automatically receive
TD Fraud Alerts on your mobile phone
any time we suspect suspicious activity
on your TD Cash Back Visa Infinite*
Card, or on any Additional Cardholder’s
Card on your Account.
w Learn more at [Link]/fraudalerts

7 Contact and
Support
Important Numbers

For more information about your Card:

TD Credit Card Contact Centre (7 a.m. to
midnight ET, seven days a week):

Within Canada and the U.S., call:

1-800-983-8472

Outside Canada and the U.S.,

call collect: 416-307-7722

TTY (text telephone): 1-866-704-3194

19
 To report a lost or stolen Card and
arrange a replacement Card:
Loss Prevention Centre (24 hours):

Within Canada and the U.S., call:

1-888-347-3261

Outside Canada and the U.S.,

call collect: 416-308-3763

For information on travel protection or

to make a claim: Travel Insurance

Within Canada and the U.S., call:

1-866-374-1129

Outside Canada and the U.S.,

call collect: 416-977-4425

For more information about the

TD Cash Back Program, including your
Cash Back Dollars balance:

TD Rewards: 1-800-983-1043

Concierge Service (24 hours)

Within Canada and the U.S., call:

1-888-853-4458

Outside Canada and the U.S.,

call collect: 630-350-4545

More about your

TD Cash Back Visa Infinite* Card
Cardholder Agreement
For full details and conditions about your
Card, refer to [Link]/agreements for your
Account documents.

20
Interest rates, fees and features are effective as of
October 30, 2022, unless otherwise indicated, and
are subject to change.
1 Subject to current $250 limit for point-of-sale
transactions. Certain transactions may not be
completed outside of Canada and in-app
availability may be limited. Certain merchants may
set their limit under $250. Please check with the
merchant about the limit before using Apple Pay,
Google Pay or Samsung Pay.
Please visit [Link]
for a complete list of Apple Pay-compatible
devices, [Link]
for a complete list of Google Pay compatible
devices, and [Link]
samsung-pay/ for a complete list of Samsung Pay
compatible devices.
2 Earn 3% in Cash Back Dollars (“PAP Rebate”) on
each $1.00 in payments made on a monthly or
other regularly recurring basis for merchant bills,
including insurance premiums, magazine/
newspaper/online streaming subscriptions,
membership fees and telecommunication fees,
that are set up by the merchant with your consent
to be automatically charged to your TD Cash Back
Credit Card Account (“Account”) and that are
classified through the Visa network as “recurring
payments” (“Pre-Authorized Payments”). You must
confirm with your merchant if they can accept
Pre-Authorized Payments. Any returned items,
refunds, rebates or other similar credits will reduce
or cancel the Cash Back Dollars earned on the
original Pre-Authorized Payment. $15,000 Cap:
The PAP Rebate is only available to a $15,000
maximum net annual spend (“$15,000 Cap”).
Once the $15,000 Cap has been reached, then
any further Pre-Authorized Payments made on the
Account will only earn Cash Back Dollars at the
standard rebate of 1% that applies to all other
Purchases on the Account as set out in your
Cardholder Agreement (“Standard Rebate”).
Applicability of PAP Rebate: The PAP Rebate is in
place of, and not in addition to, the Standard
Rebate. First Year Reduction of $15,000 Cap:
During the first year that the Account is open, the
$15,000 Cap for Pre-Authorized Payments will be
reduced by the actual corresponding amount of
Pre-Authorized Payments made in the first 3
months of Account opening (“First 3 Months”) that
are subject to the Welcome Bonus in Cash Back
Dollars. For example, if you set up $2,000 in
Pre-Authorized Payments in the First 3 Months, the
$15,000 Cap for Pre-Authorized Payments will be
reduced by $2,000 to $13,000 for the remaining 9
months of the first year the Account is open. Other
Conditions: Offer may be changed, withdrawn or
extended at any time and cannot be combined
with any other offer.
3 Earn 3% in Cash Back Dollars (“Gas Rebate”) for

21
 each $1.00 in Purchases of gas or gas station
services or products (“Gas Purchases”) charged to
your TD Cash Back Credit Card Account
(“Account”) and earn 3% in Cash Back Dollars
(“Grocery Rebate”) for each $1.00 in Purchases of
groceries or grocery items (“Grocery Purchases”)
charged to your Account. Any returned items,
refunds, rebates or other similar credits will reduce
or cancel the Cash Back Dollars earned on the
original Gas Purchase or Grocery Purchase, as
applicable. $15,000 Cap: Each of the Gas Rebate
and the Grocery Rebate is only available to a
$15,000 maximum net annual spend (“$15,000
Cap”). Once the $15,000 Cap has been reached
for either Gas Purchases or Grocery Purchases,
then any further Gas Purchases and Grocery
Purchases made on the Account will only earn
Cash Back Dollars at the standard rebate of 1%
that applies to all other Purchases on the Account
as set out in your Cardholder Agreement
(“Standard Rebate”). Applicability of Gas Rebate
and Grocery Rebate: Each of the Gas Rebate and
the Grocery Rebate is in place of, and not in
addition to, the Standard Rebate. First Year
Reduction of $15,000 Cap: During the first year
that the Account is open, the $15,000 Cap for
each of Gas Purchases and Grocery Purchases will
be reduced by the actual corresponding amount of
Gas Purchases and Grocery Purchases made in
the first 3 months of Account opening
(“First 3 Months”) that are subject to the Welcome
Bonus in Cash Back Dollars. For example, if you
spend $2,000 in Gas Purchases in the
First 3 Months, the $15,000 Cap for Gas Purchases
will be reduced by $2,000 to $13,000 for the
remaining 9 months of the first year the Account is
open. Merchant Category Codes: To earn the Gas
Rebate and/or Grocery Rebate, the Gas Purchases
and/or Grocery Purchases must be made at
merchants classified through the Visa network with
a Merchant Category Code (“MCC”) that identifies
them in the “gas” or “grocery” category. Some
merchants may sell gas or gas station services or
products, or groceries or grocery items, or have
separate merchants located on their premises that
also sell gas or gas station services or products, or
groceries or grocery items, but may not be
classified with a gas or grocery MCC and such
Purchases will not earn the Gas Rebate or Grocery
Rebate, as applicable. If you have questions about
the MCC that applies to a Purchase, contact TD at
1-800-983-8472. Other Conditions: Offer may be
changed, withdrawn or extended at any time and
cannot be combined with any other offer.
4 Earn 1% in Cash Back Dollars (“Standard Rebate”)
on each $1.00 for all other Purchases (“Other
Purchases”) charged to your TD Cash Back Credit
Card Account (“Account”). Any returned items,
refunds, rebates or other similar credits will reduce
or cancel the Cash Back Dollars earned on the
original Other Purchase. Other Conditions: Offer

22
 may be changed, withdrawn or extended at any
time and cannot be combined with any other offer.
5 Account must be open and in good standing to
earn and redeem Cash Back Dollars.
Redemptions of Cash Back Dollars at any time on
request must be for a minimum amount of $25.
Where Cash Back Dollars are redeemed 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
Dollars will continue to accrue until redemption
instructions are provided. There is no maximum
annual amount of Cash Back Dollars that can be
earned. For complete details on how to redeem
Cash Back Dollars, please see the “TD Cash Back
Program Terms and Conditions” section of the
TD Cash Back Visa Cardholder Agreement
available at [Link]/agreements
6 Primary Cardholder remains liable for all charges
to the Account, including those made by any
Additional Cardholders. To add an Additional
Cardholder, your Account must be open and in
good standing.
7 Deluxe TD Auto Club is provided by Dominion
Automobile Association (2004) Limited, an
independent third-party service provider. The
Toronto-Dominion Bank and its affiliates accept no
responsibility in respect of these services.
8 You must be an eligible Visa Infinite Cardholder with
a valid Canadian issued Visa Infinite Card to take
advantage of the Visa Infinite benefits and services.
Certain benefits and services require enrollment.
Offers and benefits are non-transferable and
discounts cannot be combined with any other offer
or discount. Neither Visa nor the Issuer of the Card
is responsible for any claims or damages arising
from use of any benefits or services provided by a
third party. Visa reserves the right to modify or
cancel offers or benefits at any time and without
notice. All offers, benefits and services made
available through Visa are subject to complete
terms and conditions, including third party
suppliers’ terms and conditions, available online at
[Link]/infinite/[Link] The Visa Infinite
privacy policy (available online at [Link]/
infinite/[Link]) applies to all benefits and
services that require enrollment through, or are
otherwise provided by, the Visa Infinite Concierge or
the Visa Infinite website. The collection, use and
disclosure of Cardholders’ personal information by
third party suppliers of services and benefits to
Visa Infinite Cardholders are subject to such third
parties’ own privacy policies.
9 The goods and services Cardholders request or
otherwise choose to obtain through the
Visa Infinite Concierge Service are provided by
various third-party service providers unrelated to

23
 Visa. Visa does not endorse, review or qualify these
service providers. Visa makes no representations
or warranties (either express or implied) about and
assumes, no responsibility or liability for these
service providers or the goods and services that
may be obtained through the Visa Infinite
Concierge. Neither Visa nor the Issuer is
responsible for any claims or damages arising
from use of any benefits or services provided by a
third party. Visa cannot guarantee the successful
fulfillment of Cardholders’ requests in all instances.
There is no fee for the Concierge’s services;
however, Cardholders are responsible for the cost
of any goods or services (including any related
fees or costs) authorized by the Cardholder and
purchased by the Visa Infinite Concierge on the
Cardholder’s behalf. All costs will be charged
directly to the Cardholder’s Visa Infinite Card.
10 Provided by Avis Rent A Car System ULC. Minimum
discount offer subject to terms and conditions
which may change without notice. Blackout dates
may apply. Base rate refers to time and kilometre/
mile charges only. Taxes, fees and surcharges are
extra. The Toronto-Dominion Bank is not
responsible for any vehicles, services, discounts or
other offers made available by Avis Rent A Car
System ULC.
11 Provided by Budget Rent A Car System, Inc.
Minimum discount offer subject to terms and
conditions which may change without notice.
Blackout dates may apply. Base rate refers to time
and kilometre/mile charges only. Taxes, fees and
surcharges are extra. The Toronto-Dominion Bank
is not responsible for any vehicles, services,
discounts or other offers made available by Budget
Rent A Car System, Inc.
12 Underwritten by TD Life Insurance Company.
Medical and claims assistance, claims payment
and administrative services are provided by our
Administrator. Benefits, features and coverages are
subject to conditions, limitations and exclusions,
including a pre-existing condition exclusion, that
are fully described in the Certificate of Insurance
included with your TD Credit Cardholder
Agreement. Note that this insurance offers different
benefits, with different terms and conditions, than
the optional Travel Medical Insurance that may be
medically underwritten and is available for
purchase to all TD customers, which you may be
eligible to top up with. The day of departure from
and the day of return to your province or territory
of residence each count as one full day. 10-day
coverage if you’re under 65 and 4-day coverage if
you’re 65 or older.
13 Underwritten by TD Home and Auto Insurance
Company. To be eligible for this coverage, your trip
must be paid for in full using your TD Credit Card.
Benefits, features and coverages are subject to
conditions, limitations and exclusions that are fully
described in the Certificate of Insurance included
with your TD Credit Cardholder Agreement.

24
14 Underwritten by TD Home and Auto 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 coverage
must be declined by the Cardholder. Refer to the
Auto Rental Collision/Loss Damage Insurance
section of your TD Credit Cardholder Agreement for
rental exclusions and further details.
15 Underwritten by TD Home and Auto Insurance
Company. To be eligible for this coverage, the item
must be paid for in full using your TD Credit Card.
Benefits, features and coverages are subject to
conditions, limitations and exclusions that are fully
described in the Certificate of Insurance included
with your TD Credit Cardholder Agreement.
16 Insurance coverage is underwritten by American
Bankers Insurance Company of Florida (ABIC)
under Group Policy TD102022. Get mobile device
protection when you use your Card to pay all of
your monthly mobile bill payments and any upfront
costs or charge at least 75% of the purchase price
when paying the full cost of your new mobile
device up front. Benefits, features and coverages
are subject to conditions, limitations and
exclusions that are fully described in the Certificate
of Insurance included with your TD Credit
Cardholder Agreement. ABIC, its subsidiaries, and
affiliates carry on business in Canada under the
trade name of Assurant®.
17 All TD Canada Trust customers including TD Credit
Cardholders are eligible to apply for optional Trip
Cancellation and Trip Interruption Insurance,
underwritten by TD Life Insurance Company
(medical covered causes) and TD Home and Auto
Insurance Company (non-medical covered
causes). Claims assistance, claims payment and
administrative services are provided by our
Administrator. Benefits, features and coverages are
subject to conditions, limitations and exclusions,
including a pre-existing condition exclusion, that
are fully described in the Certificate of Insurance.
Trip Cancellation and Trip Interruption Insurance
can be purchased by calling 1-800-293-4941 or by
visiting [Link]. Note that this optional
insurance offers different benefits, on different
terms and conditions, than the Trip Cancellation/
Trip Interruption Insurance that is automatically
included with other TD Credit Cards.
18 Life coverage is underwritten by American Bankers
Life Assurance Company of Florida and Total
Disability and Job Loss coverages are underwritten
by American Bankers Insurance Company of
Florida under Group Master Policy numbers
0220PPPL and 0220PPP. The Toronto-Dominion
Bank receives a fee from each insurer with respect
to premium collection. Complete terms of
coverage are in the Certificate of Insurance you
will receive upon enrollment. Eligibility
requirements, limitations and exclusions apply, and
vary by benefit.

25
19 Subject to available credit. Balance Transfers are
treated as Cash Advances and accrue interest at
the Cash Advance rate that applies to your Account
from the date the Cash Advance is made. See your
Cardholder Agreement for complete information on
Cash Advances including how we apply your
payments and interest to Cash Advances.
20 Provided by our Administrator under a service
agreement with TD Life Insurance Company. This
is not an insurance benefit but assistance
services only.

All trade-marks are the property of their

respective owners.
* Trademark of Visa Int.; Licensed user.
Apple, the Apple logo, iPhone and iPad are trademarks
of Apple Inc., registered in the U.S. and other countries.
Apple Pay and Touch ID are trademarks of Apple Inc.
Google Pay is a trademark of Google LLC.
Samsung and Samsung Pay are registered trademarks
of Samsung Electronics Co., Ltd.
Trademark The EMV® SRC payment icon, consisting
of a pentagon design oriented on its side with a
stylized depiction of a fast forward symbol on the
right, formed by a continuous line, is a trademark
owned by and used with permission of EMVCo, LLC.
Starbucks, the Starbucks logo, and other Starbucks
trademarks, service marks, graphics, and logos used
in connection with the Offer are trade names,
trademarks or registered trademarks of Starbucks
Corporation (collectively “Starbucks Marks”).
® Assurant is a registered trademark of Assurant, Inc.
® The TD logo and other TD trademarks are the
property of The Toronto-Dominion Bank or
its subsidiaries.

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