Common use of Lost Document and Ticket Replacement Clause in Contracts

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Visa Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION INSURANCE ‌ Insured by: TD Life Insurance Company 000 Xxxxx Xxxxxx Xxxx, 0xx Floor Toronto, ON M5V 3B6 Certificate of Insurance This Certificate applies to the TD U.S. Dollar Visa Account. • TD Life Insurance Company (“TD Life”) provides the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group Policy. This Certificate contains a clause which may limit the amount payable. This Certificate contains important information. Please read it carefully and take it with You on Your trip. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your Certificate before you travel as your coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions or need further clarification, please contact Our Administrator at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Cash Back Visa Infinife Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE ‌ Insured Provided by: TD Life Home and Aufo Insurance Company 000 Xxxxx Xxxxxx Xxxx320 Fronf Sfreef Wesf, 0xx 3rd Floor TorontoToronfo, ON M5V 3B6 XX X0X 0X0 The coverage Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Cash Back Visa Account. • TD Life Insurance Company (Infinife Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. This Please note that in Alberta and British Columbia, 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 Policy. Coverage Certificate contains important information. Please read it carefully this certificate carefully. It outlines what Collision/Loss Damage Insurance is and take it what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Renfal Agency. It also provides instructions on how to make a claim. This certificate should be kept in a safe place and carried with You on Your tripwhen You travel. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Effective September 1, 2010 TD Home and Auto Insurance Company (referred to in this certificate as the “Company”) provides the insurance for this certificate under Policy TDV092010 (referred to in this certificate as the “Policy”). This certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom or the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means the account which TD maintains for whose benefit insurance money is to be payablethe TD Credit Card.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Infinite Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE ‌ Insured Coverage under this Certificate is provided by: TD Life Home and Auto Insurance Company (Insurer) 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx, Xxxxxxx, XX X0X 0X0 Administration services are provided by: Allianz Global Assistance (Administrator) P.O. Box 277, Waterloo, ON M5V 3B6 N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Infinite Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. Please note that in Alberta and British Columbia, 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 Policy. Certificate of Insurance Please read this Certificate carefully. It outlines what Collision/ Loss Damage Insurance is and what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This Certificate contains important information. Please read it carefully should be kept in a safe place and take it carried with You when You travel. TD Home and Auto Insurance Company (referred to in this Certificate as the “Company”) provides the insurance for this Certificate under Policy TDV092010 (referred to in this Certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This Certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means Your TD Credit Card Account accessed using Your TD Credit Card or for whose benefit insurance money is to be payableTD Visa Cheque.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Infinite Privilege Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE ‌ Insured Coverage under this Certificate is provided by: TD Life Home and Auto Insurance Company (Insurer) 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx, Xxxxxxx, XX X0X 0X0 Administration services are provided by: Allianz Global Assistance (Administrator) P.O. Box 277, Waterloo, ON M5V 3B6 N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Infinite Privilege Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. This Please note that in Alberta and British Columbia, 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 Policy. Certificate contains important information. of Insurance Please read it carefully this certificate carefully. It outlines what Collision/Loss Damage Insurance is and take it what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This certificate should be kept in a safe place and carried with You when You travel. TD Home and Auto Insurance Company (referred to in this certificate as the “Company”) provides the insurance for this certificate under Policy TDV092010 (referred to in this certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject cancelled, changed or modified at the option of the card issuer or the Company with at least 30 days written notice to certain limitations the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means Your TD Credit Card Account accessed using Your TD Credit Card or TD Visa Cheque ACCOUNT HOLDER means the Primary Cardholder to whom the monthly Account statement is issued and exclusionswho is a resident of Canada, and any Additional Cardholder who is a resident of Canada. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions or need further clarification, please contact Our Administrator at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history The Account Holder may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 referred herein as “You” or at 000-000-0000. This policy contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable“Your”.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Infinite Privilege Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE ‌ Insured Coverage under this Certificate is provided by: TD Life Home and Auto Insurance Company (Insurer) 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx, Xxxxxxx, XX X0X 0X0 Administration services are provided by: Allianz Global Assistance (Administrator) P.O. Box 277, Waterloo, ON M5V 3B6 N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Infinite Privilege Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. This Please note that in Alberta and British Columbia, 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 Policy. Certificate contains important information. of Insurance Please read it carefully this certificate carefully. It outlines what Collision/Loss Damage Insurance is and take it what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This certificate should be kept in a safe place and carried with You when You travel. TD Home and Auto Insurance Company (referred to in this certificate as the “Company”) provides the insurance for this certificate under Policy TDV092010 (referred to in this certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means Your TD Credit Card Account accessed using Your TD Credit Card or for whose benefit insurance money is to be payableTD Visa Cheque.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Infinite Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/ LOSS DAMAGE INSURANCE ‌ Insured by: Provided by:‌ TD Life Home and Auto Insurance Company 000 Xxxxx Xxxxxx Xxxx, 0xx Floor Toronto, ON M5V 3B6 The coverage Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Infinite Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. This Please note that in Alberta and British Columbia, 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 Policy. Coverage Certificate contains important information. Please read it carefully this certificate carefully. It outlines what Collision/Loss Damage Insurance is and take it what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This certificate should be kept in a safe place and carried with You when You travel. Effective September 1, 2010 TD Home and Auto Insurance Company (referred to in this certificate as the “Company”) provides the insurance for this certificate under Policy TDV092010 (referred to in this certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom or the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means the account which TD maintains for whose benefit insurance money is to be payablethe TD Credit Card.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar First Class Travel Visa Infinife Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE ‌ Insured Provided by: TD Home and Aufo Insurance Company TD Life Insurance Company 000 Xxxxx Xxxxxx Xxxx320 Fronf Sfreef Wesf, 0xx 3rd Floor TorontoToronfo, ON M5V 3B6 XX X0X 0X0 The coverage Certificate of Insurance This Certificate below applies to the TD U.S. Dollar First Class Travel Visa Account. • TD Life Insurance Company (Infinife Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCerfificafe. This Certificate contains a clause which may limit the amount payable. Please note that in Alberta and British Columbia, 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 Policy. Coverage Certificate Please read this Certificate carefully. It outlines what Collision/ Loss Damage Insurance is and what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Renfal Agency. It also provides instructions on how to make a claim. This certificate should be kept in a safe place and carried with You when You travel. Effective September 1, 2010 TD Home and Auto Insurance Company (referred to in this Cerfificafe as the “Company”) provides the insurance for this certificate under Policy TDV092010 (referred to in this Certificate as the “Policy”). This Certificate contains important information. Please read it carefully and take it with You on Your trip. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group card issuer or the Company with at least 30 days written notice to the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means the account which TD maintains for the TD Credit Card. ADDITIONAL CARDHOLDER means a person insured to designate persons to whom or for whose benefit insurance money is to be payablea TD Credit Card has been issued at the authorization of the Primary Cardholder.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Platinum Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate separate. (see See your Coverage Certificate in this Document for details). .) Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/ LOSS DAMAGE INSURANCE ‌ Insured Coverage under this Certificate is provided by: TD Life Home and Auto Insurance Company (Insurer)‌ 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx, Xxxxxxx, XX X0X 0X0 Administration services are provided by: Allianz Global Assistance (Administrator) P.O. Box 277, Waterloo, ON M5V 3B6 N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Platinum Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. Please note that in Alberta and British Columbia, 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 Policy. Certificate of Insurance Please read this Certificate carefully. It outlines what Collision/ Loss Damage Insurance is and what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This Certificate contains important information. Please read it carefully should be kept in a safe place and take it carried with You when You travel. TD Home and Auto Insurance Company (referred to in this Certificate as the “Company”) provides the insurance for this Certificate under Policy TDV092010 (referred to in this Certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This Certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means Your TD Credit Card Account accessed using Your TD Credit Card or for whose benefit insurance money is to be payableTD Visa Cheque.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Platinum Travel Visa Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate separate. (see See your Coverage Certificate in this Document for details). .) Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE ‌ Insured Provided by: TD Life Home and Auto Insurance Company 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx Xxxxxxx, ON M5V 3B6 XX X0X 0X0 The coverage Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Platinum Travel Visa Account. • TD Life Insurance Company (Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. This Please note that in Alberta and British Columbia, 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 Policy. Coverage Certificate contains important information. Please read it carefully this certificate carefully. It outlines what Collision/ Loss Damage Insurance is and take it what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This certificate should be kept in a safe place and carried with You on Your tripwhen You travel. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Effective September 1, 2010, TD Home and Auto Insurance Company (referred to in this certificate as the “Company”) provides the insurance for this certificate under Policy TDV092010 (referred to in this certificate as the “Policy”). This certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom or the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means the account which TD maintains for whose benefit insurance money is to be payablethe TD Credit Card.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Infinite Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION INSURANCE ‌ Insured Provided by: TD Life Home and Auto Insurance Company 000 Xxxxx Xxxxxx Xxxx, 0xx Floor Toronto, ON M5V 3B6 The coverage Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Infinite Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. This Please note that in Alberta and British Columbia, 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 Policy. Coverage Certificate contains important information. Please read it carefully this certificate carefully. It outlines what Collision/Loss Damage Insurance is and take it what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This certificate should be kept in a safe place and carried with You when You travel. Effective September 1, 2010 TD Home and Auto Insurance Company (referred to in this certificate as the “Company”) provides the insurance for this certificate under Policy TDV092010 (referred to in this certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom or the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means the account which TD maintains for whose benefit insurance money is to be payablethe TD Credit Card.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Platinum Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate separate. (see See your Coverage Certificate in this Document for details). .) Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/ LOSS DAMAGE INSURANCE ‌ Insured Coverage under this Certificate is provided by: TD Life Home and Auto Insurance Company (Insurer) 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx, Xxxxxxx, XX X0X 0X0 Administration services are provided by: Allianz Global Assistance (Administrator) P.O. Box 277, Waterloo, ON M5V 3B6 N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Platinum Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. Please note that in Alberta and British Columbia, 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 Policy. Certificate of Insurance Please read this Certificate carefully. It outlines what Collision/ Loss Damage Insurance is and what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This Certificate contains important information. Please read it carefully should be kept in a safe place and take it carried with You when You travel. TD Home and Auto Insurance Company (referred to in this Certificate as the “Company”) provides the insurance for this Certificate under Policy TDV092010 (referred to in this Certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This Certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means Your TD Credit Card Account accessed using Your TD Credit Card or for whose benefit insurance money is to be payableTD Visa Cheque.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Cash Back Visa Infinife Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE ‌ Insured Provided by: TD Life Home and Aufo Insurance Company 000 Xxxxx Xxxxxx Xxxx320 Fronf Sfreef Wesf, 0xx 3rd Floor TorontoToronfo, ON M5V 3B6 XX X0X 0X0 The coverage Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Cash Back Visa Account. • TD Life Insurance Company (Infinife Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. This Please note that in Alberta and British Columbia, 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 Policy. Coverage Certificate contains important information. Please read it carefully this certificate carefully. It outlines what Collision/ Loss Damage Insurance is and take it what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Renfal Agency. It also provides instructions on how to make a claim. This certificate should be kept in a safe place and carried with You on Your tripwhen You travel. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Effective September 1, 2010 TD Home and Auto Insurance Company (referred to in this certificate as the “Company”) provides the insurance for this certificate under Policy TDV092010 (referred to in this certificate as the “Policy”). This certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom or the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means the account which TD maintains for whose benefit insurance money is to be payablethe TD Credit Card.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Business Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate from our Administrator services (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE ‌ Insured Coverage under this Certificate is provided by: TD Life Home and Auto Insurance Company (Insurer) 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx, Xxxxxxx, XX X0X 0X0 Administration services are provided by: Allianz Global Assistance (Administrator) P.O. Box 277, Waterloo, ON M5V 3B6 N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Business Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. Please note that in Alberta and British Columbia, 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 Policy. Certificate of Insurance Please read this Certificate carefully. It outlines what Collision/Loss Damage Insurance is and what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This Certificate contains important information. Please read it carefully should be kept in a safe place and take it carried with You when You travel. TD Home and Auto Insurance Company (referred to in this Certificate as the “Company”) provides the insurance for this Certificate under Policy TDV092010 (referred to in this Certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This Certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom the Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means Your TD Credit Card Account accessed using Your TD Credit Card or for whose benefit insurance money is to be payableTD Visa Cheque.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Platinum Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate separate. (see See your Coverage Certificate in this Document for details). .) Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/ LOSS DAMAGE INSURANCE ‌ Insured Coverage under this Certifcate is provided by: TD Life Home and Auto Insurance Company (Insurer)‌ 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx, Xxxxxxx, XX X0X 0X0 Administration services are provided by: Allianz Global Assistance (Administrator) P.O. Box 277, Waterloo, ON M5V 3B6 N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Platinum Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. Please note that in Alberta and British Columbia, 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 Policy. Certificate of Insurance Please read this Certificate carefully. It outlines what Collision/ Loss Damage Insurance is and what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This Certificate contains important information. Please read it carefully should be kept in a safe place and take it carried with You when You travel. TD Home and Auto Insurance Company (referred to in this Certificate as the “Company”) provides the insurance for this Certificate under Policy TDV092010 (referred to in this Certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This Certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom the Primary Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means Your TD Credit Card Account accessed using Your TD Credit Card or for whose benefit insurance money is to be payableTD Visa Cheque.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Aeroplan Visa Business Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate from our Administrator services (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE ‌ Insured ‌‌ INSURED PERSON means (1) You the Cardholder, who presents himself (herself) in person at the Rental Agency, Coverage under this Certificate is provided by: TD Life Home and Auto Insurance Company (Insurer) 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx, Xxxxxxx, XX X0X 0X0 Administration services are provided by: Allianz Global Assistance (Administrator) P.O. Box 277, Waterloo, ON M5V 3B6 N2J 4A4 Phone: 0-000-000-0000 or (000) 000-0000 The Certificate of Insurance This Certificate below applies to the TD U.S. Dollar Aeroplan Visa Account. • TD Life Insurance Company (Business Card which will be referred to as a “TD Life”) provides Credit Card” throughout the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group PolicyCertificate. This Certificate contains a clause which may limit the amount payable. Please note that in Alberta and British Columbia, 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 Policy. Certificate of Insurance Please read this Certificate carefully. It outlines what Collision/Loss Damage Insurance is and what is covered along with the conditions under which a payment will be made when You rent and operate a rental vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent offered by the Rental Agency. It also provides instructions on how to make a claim. This Certificate contains important information. Please read it carefully should be kept in a safe place and take it carried with You when You travel. TD Home and Auto Insurance Company (referred to in this Certificate as the “Company”) provides the insurance for this Certificate under Policy TDV092010 (referred to in this Certificate as the “Policy”). Our Administrator administers the insurance on Your tripbehalf of TD Home and Auto Insurance Company, and provides claims assistance, claims payment and administrative services under the Group Policy. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance This Certificate is designed to cover losses arising from sudden and unforeseeable circumstancesnot a contract of insurance. It is important that you read and understand your Certificate before you travel as your contains only a summary of the principal provisions of the Policy. All benefits are subject in every respect to the Policy which alone constitutes the Agreement under which payments are made. This coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions cancelled, changed or need further clarification, please contact Our Administrator modified at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right option of the group person insured card issuer or the Company with at least 30 days written notice to designate persons to whom the Cardholder. To help You understand this document, some key words have been defined below: ACCOUNT means Your TD Credit Card Account accessed using Your TD Credit Card or for whose benefit insurance money is to be payableTD Visa Cheque.

Lost Document and Ticket Replacement. In the event of theft or loss, our Administrator can assist you to replace the necessary travel documents or tickets. Lost Luggage Assistance In the event of theft or loss, our Administrator can assist you to locate or replace luggage and personal effects. TD U.S. Dollar Visa Cardholders are also eligible for Delayed and Lost Baggage Insurance; however, this coverage is entirely separate (see your Coverage Certificate in this Document for details). Translation Services Our Administrator can provide immediate translation services in an emergency situation. Our Administrator will make a good faith effort to provide these services, however, it has no liability to you if local laws, insurrection, epidemic, unavailability of health care providers, strikes, severe weather, geographic inaccessibility or other factors beyond their control delay, interfere or prevent the provision of these services. TRIP INTERRUPTION INSURANCE ‌ Insured by: TD Life Insurance Company 000 Xxxxx Xxxxxx Xxxx, 0xx Floor TorontoXxxxx Xxxxxxx, ON M5V 3B6 XX X0X 0X0 Certificate of Insurance This Certificate applies to the TD U.S. Dollar Visa Account. • TD Life Insurance Company (“TD Life”) provides the insurance for the Medical Covered Causes for Interruption under this Certificate under Group Policy No. TGV005. • Our Administrator OurAdministrator administers the insurance on behalf of TD Life and provides claims payment and administrative services under the Group Policy. This Certificate contains a clause which may limit the amount payable. This Certificate contains important information. Please read it carefully and take it with You on Your trip. IMPORTANT NOTICE – PLEASE READ CAREFULLY • Trip Interruption Insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your Certificate before you travel as your coverage may be subject to certain limitations and exclusions. • Your policy may not provide coverage for Medical Conditions and/or symptoms that existed before your trip. Check to see how this applies in your Certificate and how it relates to your Departure Date. Please see Sections 6 through 7 for details. Should you have any questions or need further clarification, please contact Our Administrator at 0-000-000-0000 or at 000-000-0000. • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. • If you need to interrupt a trip: If a covered Cause for Interruption occurs, You or, if applicable, an Insured Person, must phone Our Administrator immediately at 0-000-000-0000 or at 000-000-0000. This policy contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.