Annual interest rates, fees and features are current as of August 16, 2015 unless otherwise indicated and subject to change.

¹ TD^® Aeroplan^® Visa Infinite^* Card

Welcome Bonus of 15,000 Aeroplan Miles will be awarded to the Aeroplan member account associated with the TD Aeroplan Visa Infinite Card Account (“Account”) only after the first Purchase is made on the Account. If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person. Your Account must be in good standing at the time bonus miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan member account. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. These miles are not eligible for Aeroplan status.

TD^® Aeroplan^® Visa Platinum^* Card

Welcome Bonus of 10,000 Aeroplan Miles will be awarded to the Aeroplan member account associated with the TD Aeroplan Visa Platinum Card Account (“Account”) only after the first Purchase is made on the Account. If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person. Your Account must be in good standing at the time bonus miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan member account. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. These miles are not eligible for Aeroplan status.

TD^® Aeroplan^® Visa Infinite Privilege^TM Card

Welcome Bonus of 25,000 Aeroplan Miles (“Welcome Bonus Miles”) will be awarded to the Aeroplan member account associated with the TD Aeroplan Visa Infinite Privilege Card Account (“Account”) only after the first Purchase is made on the Account. If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan member account. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. These miles are not eligible for Aeroplan status.

TD^® Aeroplan^® Visa Business^* Card

Welcome Bonus of 20,000 Aeroplan Miles ("Welcome Bonus Miles") will be awarded only after the first Purchase ("First Purchase") is made on the TD Aeroplan Visa Business Card Account with the $149 Annual Fee ("$149 Account"). To receive the additional 10,000 Aeroplan Miles, you must: (a) apply for a $149 Account between March 6 and June 14, 2017; and (b) have $1,000 in Purchases on your Account, including your First Purchase, within 90 days of Account approval.
Bonus miles will appear in the Aeroplan Member account associated with the $149 Account (the "Designated Aeroplan Member Account"). Please allow up to 12-15 weeks after you fulfill the conditions for the offers, for the miles to be credited to the Designated Aeroplan Member Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. These miles are not eligible for Aeroplan status. You are not eligible for this offer if you (a) already have a TD Aeroplan Visa Business Account or (b) if you opened and then closed a TD Aeroplan Visa Business Account on or after September 1, 2016. To receive the 5,000 Aeroplan Miles bonus for adding your first Additional Cardholder (the "Additional Cardholder Bonus"):
As a NEW TD Aeroplan Visa Business Cardholder with the Annual fee of $149 ("$149 Account"): (a) you must apply for the $149 Account between March 6 and June 14, 2017; (b) if approved, you must add your first Additional Cardholder between March 6 and June 14, 2017; and (c) this first Additional Cardholder must make their first Purchase with their Card by July 31, 2017. OR As an EXISTING Cardholder of the $149 Account, to receive the Additional Cardholder Bonus: (a) you must add your first Additional Cardholder between March 6 and June 14, 2017; and (b) this first Additional Cardholder must make their first Purchase with their Card by July 31, 2017. There is no limit on the number of Additional Cardholders that can be added but you will only receive 1 (one) Additional Cardholder Bonus. If you already have a $149 Account and one or more Additional Cards have already been issued to your business, you will not be eligible for the Additional Cardholder Bonus. Annual Fee for each Additional Cardholder added will apply. The Business Borrower and the Individual Borrower(s) are responsible for all charges to the $149 Account and all charges made to Accounts held by Additional Cardholders. We reserve the right to limit the number of $149 Accounts and the number of miles awarded to any one person. The $149 Account must be in good standing at the time the bonus miles are awarded. Additional Cardholder Bonus miles will appear in the Aeroplan Member account associated with the $149 Account (the "Designated Aeroplan Member Account"). Please allow up to 12-15 weeks after you fulfill the conditions for the offers, for the miles to be credited to the Designated Aeroplan Member Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. These miles are not eligible for Aeroplan status.

² 1.5 Bonus Aeroplan Miles ('Bonus Rate") are earned on each $1.00 in Purchases of eligible gas, groceries, drugstore, and aircanada.com products and services (excluding Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com) charged to your TD Aeroplan Visa Infinite Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries, drugstore and aircanada.com products and services must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the "gas", "grocery" or "drugstore" category and on aircanada.com. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries, drugstore products/services and on aircanada.com made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries or drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

³ 1 Aeroplan Mile is earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account ('Account"). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at www.tdcanadatrust.com/tdvisa/agreements.

⁴ TD Points are earned 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 amounts originally charged to the Card. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points.

⁵ Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or Aeroplan Miles. 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 Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

⁶ Underwritten by TD Home and Auto Insurance Company. Rentals must be charged in full to the Card and/or associated Aeroplan Miles, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

⁷ 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.

⁸ Provided by Avis Rent A Car System LLC. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

⁹ Provided by Budget Rent A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

¹⁰ 1 Bonus Aeroplan Mile ("Bonus Rate") is earned on each $1.00 in Purchases of gas, groceries or drugstore products/ services charged to your TD Aeroplan Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries and drugstore products/services must be made at merchants classified through the Visa network with a Merchant Category Code (MCC) that identifies them in the "gas", "grocery", or "drugstore" category. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery, or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries, and drugstore products/services. Once the maximum net annual amount has been reached, Purchases of gas, groceries or drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

¹¹ 1 Aeroplan Mile is earned on each $1.50 in Purchases charged to your TD Aeroplan Credit Card Account (Account). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements).

¹² 1.5 Bonus Aeroplan Miles (“Bonus Rate”) are earned on each $1.00 in Purchases of gas, groceries or drugstore products/services charged to your TD Aeroplan Visa Infinite Privilege Card Account (“Account”). This Bonus Rate is also earned on each $1.00 in Purchases from Air Canada charged to your Account for products and services completed online at aircanada.com, in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight. Excluded from the Bonus Rate are Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries, drugstore products/services and Air Canada Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “drugstore” or “Air Canada” category. Some merchants may sell gas, groceries or drugstore products/services or Air Canada products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services or Air Canada products/services, but may not be classified with a gas, grocery, drugstore or Air Canada MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $100,000 in net annual Purchases of gas, groceries, drugstore products/services and Air Canada Purchases made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries, drugstore products/services or Air Canada Purchases on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of, and not in addition to, the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

¹³ 1.25 Aeroplan Miles are earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account ("Account"). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements).

¹⁴ 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 is available to all TD customers. The day of departure from and the day of return to your province or territory of residence each count as one full day. 22-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older.

¹⁵ Welcome Bonus Aeroplan Miles (“Welcome Bonus Miles”) will be awarded to the Aeroplan Member Account of the designated owner/sole proprietor or partner associated with the business who is the holder ("Primary Business Cardholder") of the TD Aeroplan Business Credit Card Account that is charged an annual fee of $149 (the “$149 Account”). The Welcome Bonus Miles will be awarded only after the first Purchase is charged to the $149 Account with the Card that has the $149 annual fee (the “First Purchase”). If you have opened a $149 Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of $149 Accounts opened by, and the number of Welcome Bonus Miles awarded to, any one person. Please allow up to 4 weeks after the First Purchase is posted to the $149 Account for the Welcome Bonus Miles to be credited to the Primary Business Cardholder's Aeroplan Member Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

¹⁶ 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 is available to all TD customers. The day of departure from and the day of return to your province of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older.

¹⁷ Applies to new TD First Class Travel Visa Infinite Accounts (Account) only. The Welcome Bonus of 20,000 TD Points (Bonus) will be awarded to the Account only after the first Purchase is charged to the Account. Limit of one (1) Bonus offer per Account. We reserve the right to limit the number of Accounts opened by any one person. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

¹⁸ Welcome Bonus: Welcome Bonus of 6% in Cash Back Dollars ("Welcome Bonus Rebate") applies to new TD Cash Back Visa Infinite Accounts ("Account") in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $3500 ("Welcome Bonus Cap") on any one or more of the following transactions charged to the Account:
(i) Purchases of gas or gas station services or products ("Gas Purchases");
(ii) Purchases of groceries or grocery items ("Grocery Purchases"); and
(iii) Each $1.00 in recurring bill payments set up on your Account ("Pre-Authorized Payments").
Any returned items, refunds, rebates or other similar credits on any Gas Purchase, Grocery Purchase or Pre-Authorized Payment made during the First 3 Months will reduce or cancel the Cash Back Dollars earned at the Welcome Bonus Rebate on the original Gas Purchase, Grocery Purchase or Pre-Authorized Payment, as applicable.
Welcome Bonus Cap: Once the Welcome Bonus Cap is reached, any further Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months will earn Cash Back Dollars at the regular accelerated 3% rebate that applies to each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments as set out in your Cardholder Agreement ("Accelerated Rebate"). Applicability of Welcome Bonus Rebate: Welcome Bonus Rebate is in place of, and not in addition to, the Accelerated Rebate.
$15,000 Cap on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments: After the First 3 Months, the Accelerated Rebate will apply to all Gas Purchases, Grocery Purchases and Pre-Authorized Payments charged to your Account up to a $15,000 maximum net annual spend ("$15,000 Cap") for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments. Once the $15,000 Cap is reached for any of Gas Purchases, Grocery Purchases or Pre-Authorized Payments, then any further Gas Purchases, Grocery Purchases and 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.
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, Grocery Purchases and Pre-Authorized Payments will be reduced by the actual corresponding amount of Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months. 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 Welcome Bonus Rebate on Gas Purchases and Grocery Purchases, the Gas Purchase or Grocery Purchase 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 Welcome Bonus Rebate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
Other Conditions: Welcome Bonus may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

¹⁹ Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Points. 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 Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

²⁰ Applies to new TD Platinum Travel Visa Accounts (Account) only. The Welcome Bonus of 15,000 TD Points (Bonus) will be awarded to the Account only after the first Purchase is charged to the Account. Limit of one (1) Bonus offer per Account. We reserve the right to limit the number of new Accounts opened by any one person. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

²¹ 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 only after the first Purchase is charged to the Account. 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 and cannot be combined with any other offer.

²² Earn 3% in Cash Back Dollars ("Gas Rebate") for 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.

²³ 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.

²⁴ 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 may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

²⁵Underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Details of Insurance benefits, including terms, conditions, limitations, and exclusions are outlined in the certificate of Insurance included with your TD Credit Card Cardholder Agreement.

²⁶ 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 is available to all TD customers. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older.

²⁷ Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

²⁸ 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 and/or associated TD Points. 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.

²⁹ Underwritten by TD Home and Auto Insurance Company. 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 Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

³⁰ Underwritten by Allianz global Risks US Insurance company (Canadian Branch). Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

³¹ Earn 1% in Cash Back Dollars ("Gas Rebate") for 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 1% 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. $5,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will earn Cash Back Dollars at the standard rebate of 0.5% 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. 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.

³² Earn 1% 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. $5,000 Cap: The PAP Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 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 0.5% 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. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

³³ Earn 0.5% 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 Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

All trade-marks are the property of their respective owners. For trade-mark ownership details, see tdcanadatrust.com/aeroplancards.