Common use of Helpful Hints Clause in Contracts

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United States, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use charges, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Theft”. The Coverage Certificate below applies to the TD Gold Select Visa Card which will be referred to as a “TD Credit Card” throughout the Certificate: Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. ACCOUNT HOLDER means the Cardholder to whom the monthly Account statement is sent. The Coverage Certificate below applies to the TD Gold Select Visa Card which will Account Holder may be referred to herein as a “TD Credit CardYou” throughout the Certificate: Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy“Your”.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate Certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. 000 Xxxxx Xxxxxx Xxxx, 0xx Xxxxx, Xxxxxxx, XX X0X 0X0 P.O. Box 277, Waterloo, ON N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Coverage Certificate below applies to the TD Gold Select Aeroplan Visa Platinum Card which will be referred to as a “TD Credit Card” throughout the Certificate: This Certificate contains a clause which may limit the amount payable. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Master Policy.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate Certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. 000 Xxxxx Xxxxxx Xxxx, 0xx Xxxxx, Xxxxxxx, XX X0X 0X0 P.O. Box 277, Waterloo, ON N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Coverage Certificate below applies to the TD Gold Select Aeroplan Visa Business Card which will be referred to as a “TD Credit Card” throughout the Certificate: This Certificate contains a clause which may limit the amount payable. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy. The terms of the TD Credit Card Purchase Security and Extended Warranty Protection Group Policy #TDVP112008 (the “Master Policy”) issued by TD Home and Auto Insurance Company (“Insurer”) to The Toronto-Dominion Bank are described in this Certificate. Our Administrator administers the insurance on behalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. Words in italics in this Certificate are defined in section 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Renfal Agency’s CDW. If possible, select a Rental Renfal Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Renfal Agencies in some countries may resist Your declining their CDW coverage. These Rental Renfal Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Renfal Agency involved, • the Rental Renfal Agency’s address, • the date of the rental, • the name of the Rental Renfal Agency representative with whom You spoke, and Your rental contract number. The Rental Renfal Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Renfal Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Renfal Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Renfal Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Renfal Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies to the TD Gold Select Cash Back Visa Infinife Card which will be referred to as a “TD Credit Card” throughout the Certificate: The terms of the TD Credit Card Purchase Security and Extended Warranty Protection Group Policy #TDVP112008 (the Master Policy) issued by TD Home and Auto Insurance Company (Insurer) to The Toronto-Dominion Bank are described in this Certificate and are effective December 1, 2008. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy. Words in ifalics in this Certificate are defined in Section 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. TD Home and Auto Insurance Company 000 Xxxxx Xxxxxx Xxxx, 0xx Xxxxx Xxxxxxx, XX X0X 0X0 The Coverage Certificate below applies to the TD Gold Select Platinum Travel Visa Card which will be referred to as a “TD Credit Card” throughout the Certificate: Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Master Policy.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United States, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Theft”. The Coverage Certificate below applies to terms of the TD Gold Select Elite Visa Card which will be referred Trip Interruption Insurance Group Policy #TGV001 (the Master Policy) issued by the TD Life Insurance Company to The Toronto-Dominion Bank are described in this Certificate. We agree to pay the benefits provided as a “TD Credit Card” throughout the Certificatedescribed in Section 5 subject to terms, limitations, exclusions and conditions of this certificate. In Canada and U.S.A. Call 0-000-000-0000 In Other Countries Call Collect for Certificate Information Call (000) 000-0000 General Inquiries: Please note that In Canada Call 0-000-000-0000 In Other Countries Call Collect (000) 000-0000 Words in Alberta, Statutory Conditions italics in this certificate are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included defined in the Group PolicySection 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Renfal Agency’s CDW. If possible, select a Rental Renfal Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Renfal Agencies in some countries may resist Your declining their CDW coverage. These Rental Renfal Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Renfal Agency involved, • the Rental Renfal Agency’s address, • the date of the rental, • the name of the Rental Renfal Agency representative with whom You spoke, and Your rental contract number. The Rental Renfal Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Renfal Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Renfal Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Renfal Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Renfal Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies to the TD Gold Select Cash Back Visa Infinife Card which will be referred to as a “TD Credit Card” throughout the Certificate: The terms of the TD Credit Card Purchase Security and Extended Warranty Protection Group Policy #TDVP112008 (the Master Policy) issued by TD Home and Auto Insurance Company (Insurer) to The Toronto-Dominion Bank are described in this Certificate and are effective December 1, 2008. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy. Words in ifalics in this Certificate are defined in Section 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental theRental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies to the TD Gold Select Aeroplan Visa Infinite Card which will be referred to as a “TD Credit Card” throughout the Certificate: The terms of the TD Credit Card Purchase Security and Extended Warranty Protection Group Policy #TDVP112008 (the Master Policy) issued by TD Home and Auto Insurance Company (Insurer) to The Toronto-Dominion Bank are described in this Certificate and are effective December 1, 2008. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy. Our Administrator administers the insurance on behalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. Words in italics in this Certificate are defined in Section 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies to the TD Gold Select U.S Dollar Visa Card which will be referred to as a “TD Credit CardCard Account” throughout the Certificate: Please note Allianz Global Risks US Insurance Company (Canadian Branch) (“Allianz”) certifies as follows that in Alberta, Statutory Conditions You are deemed eligible to be part an Insured Person under Policy #FC310037 (the “Policy”) underwritten by us and issued to The Toronto-Dominion Bank. This Insurance is administered by Allianz Global Assistance through the Operations Centre. You, or a person making a claim under this Certificate may request a copy of every contract that include insurance against loss or damage the Policy by writing to property and said Statutory Conditions the administrator; Allianz Global Assistance P.O. Box 277, Waterloo, Ontario N2J 4A4 Words in italics in this Certificate are included defined in the Group PolicySection 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. 000 Xxxxx Xxxxxx Xxxx, 0xx Xxxxx, Xxxxxxx, XX X0X 0X0 P.O. Box 277, Waterloo, ON N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Coverage Certificate of Insurance below applies to the TD Gold Select Aeroplan Visa Infinite Privilege Card which will be referred to as a “TD Credit Card” throughout the Certificate: The terms of the TD Credit Card Purchase Security and Extended Warranty Protection Group Policy #TDVP112008 (the Master Policy) issued by TD Home and Auto Insurance Company (Insurer) to The Toronto-Dominion Bank are described in this Certificate. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy. Our Administrator administers the insurance on behalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. Words in italics in this Certificate are defined in section 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 toll‑free 1‑800‑880‑6497 if You are in Canada or the United StatesStates or, or call collect (000416) 000-0000 977‑3772 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. contract.‌‌ You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies to the TD Gold Business Select Visa Rate™ Visa* Card which will be referred to as a “TD Credit Card” throughout the Certificate: Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies to the TD Gold Select Visa Card which will be referred to as a “TD Credit Card” throughout the Certificate: Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. Provided by:‌ The Coverage Certificate below applies to the TD Gold Select U.S Dollar Visa Card which will be referred to as a “TD Credit CardCard Account” throughout the Certificate: Please note that Coverage Certificate TD Life Insurance Company (“TD Life”) provides the insurance for this Certificate under Master Policy #TGV009 (the “Policy”) issued to The Toronto-Dominion Bank. This Insurance is administered by Allianz Global Assistance through the Operations Centre (“Allianz”). Allianz administers the insurance on behalf of TD Life, and provides claims assistance, claims payment and administrative services under the Policy. Words in Alberta, Statutory Conditions italics in this Certificate are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included defined in the Group PolicySection 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. Provided by:‌‌‌‌‌ TD Home and Auto Insurance Company 000 Xxxxx Xxxxxx Xxxx, 0xx Xxxxx Xxxxxxx, XX X0X 0X0 The Coverage Certificate below applies to the TD Gold Business Select Visa RateTM Visa* Card which will be referred to as a “TD Credit Card” throughout the Certificate: Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. coverage.‌‌‌‌‌ In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate Certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies INSURED ITEM means a new item of property (a pair or set being one item) for use for which at least 75% of the Purchase Price has been charged to the TD Gold Select Visa Card which will be referred to as a “TD Credit Card” throughout Account of the Certificate: Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group PolicyAccount Holder.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies to the TD Gold Select Aeroplan Visa Infinite Privilege Card which will be referred to as a “TD Credit Card” throughout the Certificate: The terms of the TD Credit Card Purchase Security and Extended Warranty Protection Group Policy #TDVP112008 (the Master Policy) issued by TD Home and Auto Insurance Company (Insurer) to The Toronto-Dominion Bank are described in this Certificate and are effective December 1, 2008. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy. Our Administrator administers the insurance on behalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. Words in italics in this Certificate are defined in Section 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate Certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. 000 Xxxxx Xxxxxx Xxxx, 0xx Xxxxx, Xxxxxxx, XX X0X 0X0 P.O. Box 277, Waterloo, ON N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Coverage Certificate below applies to the TD Gold Select Aeroplan Visa Infinite Card which will be referred to as a “TD Credit Card” throughout the Certificate: This Certificate contains a clause which may limit the The terms of the TD Credit Card Purchase Security and Extended Warranty Protection Group Policy #TDVP112008 (the “Master Policy”) issued by TD Home and Auto Insurance Company (“Insurer”) to The Toronto-Dominion Bank are described in this Certificate and are effective December 1, 2008. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy. Our Administrator administers the insurance on behalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. Words in italics in this Certificate are defined in section 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies to the TD Gold Select U.S Dollar Visa Card which will be referred to as a “TD Credit CardCard Account” throughout the Certificate: Please note Allianz Global Risks US Insurance Company (Canadian Branch) (“Allianz”) certifies as follows that in Alberta, Statutory Conditions You are deemed eligible to be part an Insured Person under Policy #FC310037 (the “Policy”) underwritten by us and issued to The Toronto-Dominion Bank. This Insurance is administered by Allianz Global Assistance through the Operations Centre. You, or a person making a claim under this Certificate may request a copy of every contract that include insurance against loss or damage the Policy by writing to property and said Statutory Conditions the administrator; Allianz Global Assistance P.O. Box 277, Waterloo, Ontario N2J 4A4 Words in italics in this Certificate are included defined in the Group PolicySection 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. The Coverage Certificate below applies to the TD Gold Select Aeroplan Visa Platinum Card which will be referred to as a “TD Credit Card” throughout the Certificate: Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Master Policy.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Renfal Agency’s CDW. If possible, select a Rental Renfal Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Renfal Agencies in some countries may resist Your declining their CDW coverage. These Rental Renfal Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Renfal Agency involved, • the Rental Renfal Agency’s address, • the date of the rental, • the name of the Rental Renfal Agency representative with whom You spoke, and Your rental contract number. The Rental Renfal Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Renfal Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Renfal Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Renfal Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Renfal Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. TD Home and Aufo Insurance Company 320 Fronf Sfreef Wesf, 3rd Floor Toronfo, XX X0X 0X0 The Coverage Certificate coverage Cerfificafe below applies to the TD Gold Select First Class Travel Visa Infinife Card which will be referred to as a “TD Credit Card” throughout the CertificateCerfificafe: Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in This Certificate contains a clause which may limit the Group Policyamount payable.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. 000 Xxxxx Xxxxxx Xxxx, 0xx Xxxxx, Xxxxxxx, XX X0X 0X0 P.O. Box 277, Waterloo, ON N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Coverage Certificate of Insurance below applies to the TD Gold Select Aeroplan Visa Infinite Privilege Card which will be referred to as a “TD Credit Card” throughout the Certificate: The terms of the TD Credit Card Purchase Security and Extended Warranty Protection Group Policy #TDVP112008 (the Master Policy) issued by TD Home and Auto Insurance Company (Insurer) to The Toronto-Dominion Bank are described in this Certificate and are effective December 1, 2008. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Policy. Our Administrator administers the insurance on behalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. Words in italics in this Certificate are defined in section 1.

Helpful Hints. Before You rent a vehicle, find out if You are required to provide a deposit if You wish to decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an excellent rate AND allows You to decline the CDW without having to make a deposit. Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental Agencies may try to encourage You to take their coverage or to provide a deposit. If You experience difficulty using Your CLD Insurance coverage, please call toll-free 0-000-000-0000 if You are in Canada or the United StatesStates or, or call collect (000) 000-0000 and provide: • the name of the Rental Agency involved, • the Rental Agency’s address, • the date of the rental, • the name of the Rental Agency representative with whom You spoke, and Your rental contract number. The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage. In certain locations, the law requires that Rental Agencies provide Collision Damage Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage for any required deductible provided that all the procedures outlined in the certificate Certificate are followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract. You will not be compensated for any payment You may have made to obtain the Rental Agency’s CDW. Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle. Be sure to point out where the scratches or dents are located to a Rental Agency representative. If the vehicle has sustained damage of any kind, immediately phone one of the numbers provided and do not sign a blank sales draft to cover the damage and Loss of Use chargescharges or, or a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent may make a claim on Your behalf to recover repair and Loss of Use charges by following the procedures outlined in the section “In the Event of an Accident/ Accident/Theft”. P.O. Box 277, Waterloo, ON N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Coverage Certificate below applies to the TD Gold Select Aeroplan Visa Platinum Card which will be referred to as a “TD Credit Card” throughout the Certificate: This Certificate contains a clause which may limit the amount payable. Please note that in Alberta, Statutory Conditions are deemed to be part of every contract that include insurance against loss or damage to property and said Statutory Conditions are included in the Group Master Policy.