Important information about changes to the TD® Aeroplan® Visa Infinite Privilege* Credit Card Account.

· If the Cash Advance Transaction occurs in Canada:

- We charge a 1% fee on the Cash Advance Transaction amount.

- If the Cash Advance fee is less than $3.50, we will charge a minimum Cash Advance fee of $3.50

- If the Cash Advance fee is greater than $10.00, we will charge a maximum Cash Advance fee of $10.00

- We do not charge the Cash Advance fee if the Account is in credit Balance when the Cash Advance Transaction occurs.

· If the Cash Advance Transaction occurs outside of Canada:

- We charge a fee of $5.00

- We do not charge the Cash Advance fee if the Account is in credit Balance when the Cash Advance Transaction occurs.

· If the Cash Advance is at a PLUS* network ATM in Canada or outside of Canada:

- We charge a fee of $3.00 if you use a PLUS* network ATM to complete the Cash Advance Transaction

- We do not charge the Cash Advance fee if the Account is in credit Balance when the Cash Advance Transaction occurs.

·  We do not charge the Cash Advance fee for a Balance Transfer Transaction or TD Visa Cheque Transaction.

We charge a 1% fee on the Cash Advance Transaction amount. We will charge a minimum fee of $3.50. The Cash Advance Transaction Fee will not exceed a maximum of $10.00.

We do not charge the Cash Advance Transaction Fee if the Account is in credit Balance when the Cash Advance Transaction occurs.

We will charge $48.00 for each dishonored payment you make.

We will charge $10.00 for each dishonored payment you make.

We charge 3% on a promotional Balance Transfer Transaction amount.

We charge up to 5% on a promotional Balance Transfer Transaction amount.

We will tell you the exact promotional Balance Transfer fee that applies when we make the offer.

Not applicable

If your Account has a credit Balance, we will charge the lesser of $10 or the full Credit Balance amount if there has been no credit or debit activity on the Account for 12 consecutive billing cycles.

Bonus Rate: 1.5 Aeroplan points earned for each $1.00 in

• Gas Purchases;

• Grocery Purchases;

• Travel Purchases; and

• Dining Purchases.

2 Aeroplan points earned for each $1.00 in Purchases of Air Canada products.

Bonus Rate: 1.5 Aeroplan points earned for each $1.00 in

•  Gas & Electric Vehicle Charging Purchases;

•  Grocery Purchases;

•  Travel & Transit Purchases; and

•  Dining Purchases

2 Aeroplan points earned for each $1.00 in Purchases of Air Canada products.

Annual Cap: $100,000.00

Note: This Annual Cap has not changed.

Table of Contents

Section 1: Definitions

Section 2: Earning Aeroplan points

2.1 How do you earn Aeroplan points when you use your TD Credit Card?

2.2 How we determine if a Purchase qualifies for the Bonus Rate?

2.3 Can you receive Offers?

2.4 How do the Aeroplan points I earn using my TD Credit Card get awarded to my Aeroplan Account?

Section 3: Redeeming Aeroplan points

3.1 How do you redeem Aeroplan points?

Section 4: General Terms

4.1 How can you check your Aeroplan points you have earned on your TD Credit Card?

4.2 What happens if there is an error with your Aeroplan points balance on your TD Credit Card monthly statement?

4.3 Can you combine Aeroplan points with a TD Rewards Program or a TD Cash Back Program?

Section 5: General Information

5.1 What is our limitation of liability for these Aeroplan Terms and Conditions for your TD Credit Card?

5.2 What if we do not act immediately if you do not follow your obligations in these Aeroplan Terms and Conditions for your TD Credit Card?

5.3 Can we change these Aeroplan Terms and Conditions for your TD Credit Card?

5.4 Can we cancel or terminate these Aeroplan Terms and Conditions for your TD Credit Card?

5.5 Can we cancel or terminate a Cardholder’s ability to participate in these Aeroplan Terms and Conditions for your TD Credit Card?

5.6 What are our rights if you do not follow these Aeroplan Terms and Conditions for your TD Credit Card?

5.7 What happens if part of these Terms and Conditions is invalid?

5.8 What laws govern these Terms and Conditions?

5.9 What language will be used?

Section 6: How to Contact Us

Section 1: Definitions

Section 2: Earning Aeroplan points

Section 3: Redeeming Aeroplan points

Section 4: General Terms

Section 5: General Information

Section 6: How to Contact Us

Section 2.1

You may earn Aeroplan points in only one of the Purchase Categories set out in the below chart when you make a qualifying Purchase and your Account is in Good Standing. The number of Aeroplan points that you can earn will depend on the type of TD Credit Card you have.

We will round your qualifying Purchases posted to the Account up or down to the nearest whole dollar and then apply the Aeroplan points earned for this Purchase.

You may earn Aeroplan points in only one of the Purchase Categories set out in the below chart when you make a qualifying Purchase and your Account is in Good Standing. Aeroplan points that you earn through a Purchase Category are in place of, and are not in addition to, the Base Earn Rate. The number of Aeroplan points that you can earn will depend on the type of TD Credit Card you have.

We will round your qualifying Purchases posted to the Account up or down to the nearest whole dollar and then apply the Aeroplan points earned for this Purchase.

If an Annual Cap is shown in the table below, the Bonus Rates for the Purchase Category will no longer apply when your total Purchases in that category exceed the Annual Cap in a year. If your total Purchases in the category exceed the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in the category for the remainder of the year. The year runs after your first statement period in January until the end of your statement period the following January.

Chart in Section 2.1

Each instance of the following words:

Aeroplan points that you earn through the Bonus Rate set out below are in place of and is not in addition to the Base Earn Rate.

Annual Cap: The Bonus Rate will no longer apply when the total Purchases qualifying for the Bonus Rate exceed $100,000.00 in a year. If you exceed the Annual Cap, you will earn the Base Earn Rate. The year runs after your first statement period in January until the end of your statement period the following January.

Deleted

Note: This language has been removed from the chart, but moved to another portion of this Section 2.1 of this agreement 

Section 2.2

Each instance of the following words:

• "Gas Purchases: 5541 and 5542"

• "Travel Purchases:" 

Replaced with the following words:

•  "Gas & Electric Vehicle Charging Purchases: 5541, 5542 and 5552"

•  "Travel & Transit Purchases:"  

Section 2.2

Gas Purchases means buying gas or gas station services or products from a merchant classified through the Visa payment network using the above noted Merchant Category Code for Gas Purchases.

Grocery Purchases means buying groceries or grocery items from a merchant classified through the Visa payment network using the above noted Merchant Category Code for Grocery Purchases.

Dining Purchases means a Purchase from a merchant classified through the Visa payment network using the above noted Merchant Category Codes for Dining Purchases.

Gas & Electric Vehicle Charging Purchases means a Purchase from a merchant classified through the Visa payment network using the above noted Merchant Category Codes for Gas & Electric Vehicle Charging Purchases.

Grocery Purchases means a Purchase from a merchant classified through the Visa payment network using the above noted Merchant Category Code for Grocery Purchases.

Travel & Transit Purchases means a Purchase from a merchant classified through the Visa payment network using the above noted Merchant Category Codes for Travel & Transit Purchases.

Section 2.3

Can you receive Offers? Occasionally, we may offer you limited time offers which may include:

·   Additional Purchase Categories;

·   Additional and/or increased earn rates for a Purchase Category;

·   Benefits with select merchants; and/or

·   Bonus Aeroplan points.

Additional terms and conditions will apply to such offers and such terms and conditions will be available to you at the time the offer is made. 

Deleted

Note: This language has been removed from the agreement, but your ability to receive offers has not changed. 

All references to section "2.4" throughout the agreement

Replaced with section "2.3" throughout the agreement 

Not applicable

Section 5.9 What language will be used?

For Residents of Quebec

You acknowledge that you were provided with the French version of this agreement and that, after first having had the opportunity to examine the French version, you have expressly requested to be bound only by the English version of this agreement and that all documents directly or indirectly related to it be drawn up in English only. Vous reconnaissez qu’une version française de cette entente vous a été remise et qu’après avoir eu la possibilité de prendre connaissance de la version française, vous avez expressément demandé d’être lié uniquement par la version anglaise de cette entente et que tous les documents s’y rattachant directement ou indirectement soient rédigés exclusivement en anglais.