TDCT Aeroplan Business Welcome Guide EN 1017

TDCT_Aeroplan_Business_Welcome_Guide_EN_1017

User Manual:

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TD® Aeroplan® Visa* Business Card

Rewards you can

achieve sooner.

1) Sign your Card immediately to

ensure the security of your new Card.

2) Register for online or phone banking.

Visit tdcanadatrust.com/ewregister

or call 1-866-222-3456 to access and

manage your account online and sign

up for online statements.

3) Complete your online profile at

aeroplan.com to access relevant offers,

check your miles balance, review

transactions, plus manage your

rewards… all in one convenient place!

Aeroplan eligible members only.

Three quick ways to get started.

TD Aeroplan Visa Business Card

Important Information ..................................... 3

Earning your Aeroplan Miles ............................ 5

Redeeming your Aeroplan Miles .......................7

Air Canada Beneﬁts ....................................... 11

Travel Protection and Insurance ...................... 13

Card Security and Convenience ......................15

Fraud Protection (24-hour)

Our enhanced protection measures are part of an industry-wide effort to protect you from

the inconvenience of credit card fraud. In the event that our advanced fraud prevention

system detects unusual activity relating to your Account:

1. You may receive a phone call from a TD Credit Card Customer Service Representative

asking you to confirm that you, or an Authorized User, performed a transaction on your

TD Credit Card Account.

2. During a transaction, a merchant may receive an electronic message requesting that

they contact the TD Credit Card Contact Centre and allow you to speak with one of our

Customer Service Representatives.

3. Your Card may be temporarily blocked until we can contact you for verification.

If you have any questions about fraud protection, please do not hesitate to call our Loss

Prevention Centre immediately and speak to one of our Customer Service Representatives,

24 hours a day, seven days a week.

In Canada and the United States, call toll-free:.........1-888-347-3261

Outside Canada and the United States, call collect: .....416-308-3763

Important Information Associated with

your TD Aeroplan Visa Business Card

Within Canada Within the U.S. Outside of Canada and U.S.

Call Collect

For general information about your Card:

TD Credit Card Contact Centre

(7 a.m. to 12 midnight ET, seven days a week):

1-800-983-8472 416-307-7722

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

For information on your Aeroplan account:

Aeroplan Contact Centre: 1-800-361-5373 or visit aeroplan.com

To report a lost or stolen Card and arrange a replacement Card:

TD Loss Prevention Centre (24 hours): 1-888-347-3261 416-308-3763

For information on travel protection or to make a claim:

Travel Insurance: 1-866-374-1129 416-977-4425

Emergency Card Replacement and Emergency Cash when travelling:

Visa International Service Center (24 hours): 1-800-847-2911 303-967-1096

Additional emergency services when travelling:

Emergency Travel Assistance Services: 1-800-871-8334 416-977-8297

n N

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999

Earn Aeroplan Miles on every business

Purchase you make on your Card.

Four ways to earn Aeroplan Miles faster with your

TD® Aeroplan® Visa* Business Card:

1. Earn 1.5 miles1 for every $1 you spend on travel and gas Purchases, using

your Card.

2. Earn 1 mile2 for every $1 you spend on all other Purchases, using your Card.

3. Earn miles twice3 when you pay with your Card and present your

Aeroplan Membership Card at over 150 Aeroplan partner brands and at

100 online retailers through Aeroplan’s eStore.

w Visit aeroplan.com/partners for a list of participating Aeroplan partners

Earning your

Aeroplan Miles

TIP!

Check for Aeroplan

partner offers regularly at

aeroplan.com/promotions

so you can take advantage

of Bonus Aeroplan Miles.

Earn miles faster and get to your travel plans sooner!

1. Add Additional Cardholders4 and watch your miles balance rise! Earn

miles every time they make business Purchases on their Cards.

w Visit a TD Canada Trust branch. Additional fee(s) apply, see your enclosed

Card Carrier for more details.

2. Set up Pre-Authorized Payments on your account for things like utilities,

TV or phone bills. Plus, you’ll save time and avoid late fees when your bills

are paid automatically on their due dates.

w Want to know more?

Visit tdcanadatrust.com/preauthorizedpayments

Achieve Aeroplan status.

Receive unique benefits and privileges

as a member with Aeroplan status.

Top-earning Aeroplan members can achieve status

in the Aeroplan program and take advantage of

special recognition in the form of exclusive ﬂight

reward beneﬁts, bonus miles and unique privileges.

IMPORTANT: Your last cycle date in December is

the cut-off date to use your TD Aeroplan Credit Card

to earn miles toward Aeroplan status. Anything

earned later will count toward the following year’s

Aeroplan status.

w Want to know more? Visit aeroplan.com/status

THREE LEVELS

OF QUALIFICATION

earn 50,000 eligible miles

per calendar year

earn 100,000 eligible miles

per calendar year

earn 25,000 eligible miles

per calendar year

TIP!

Remember, your Aeroplan Miles will not expire as long as you are a

TD Aeroplan Visa Business Cardholder.

Redeem your Aeroplan Miles for more

than just flights.

From ﬂights and hotels, to cruises and vacation packages, or gift cards and

brand-name merchandise ranging from luggage to electronics, it’s never been

easier to turn your miles into amazing rewards.

w Want to know more? Visit aeroplan.com/useyourmiles

Redeem your miles for a vast selection of travel options.

You can fly to more than 1,300 destinations worldwide with Air Canada® and

its global network of partner airlines.

TIP!

Book a ﬂight reward, see your account history and status, and discover

up-to-the-minute offers all on your smartphone through the Aeroplan

Mobile App. Find out more at aeroplan.com/mobileapp

Redeeming your

Aeroplan Miles

* The above chart reﬂects ﬂight rewards as of December 15, 2015, and is subject to change at any time.

Where can your Aeroplan Miles take you?

Explore a vast array of ﬂight rewards at aeroplan.com

Where do you want to go? Aeroplan Miles for a round-trip*

Fixed Mileage Flight Reward

Economy Class Business Class

Short-haul ﬂight within Canada and continental U.S. 15,000 30,000

Long-haul ﬂight within Canada and continental U.S. 25,000 50,000

Between Canada/continental U.S. and Europe 60,000/75,000 110,000/160,000

TIP!

Great deals on Market Fare Flight Rewards are offered from time to time on

select routes which require fewer miles than Fixed Mileage Flight Rewards.

Get any seat.

Aeroplan’s two ﬂight reward options, Fixed Mileage Flight RewardsTM and

Market Fare Flight RewardsTM, work together so that you have access to any

seat, on all ﬂights operated by Air Canada.

• Fixed Mileage Flight Rewards: Flights operated by Air Canada and

over 25 airline partners, exclusively offered to Aeroplan Members at

ﬁxed mileage levels.

• Market Fare Flight Rewards: Access to all available seats on all

Air Canada operated ﬂights5. Mileage levels vary based on market fares

at time of booking.

w Want to know more? Visit aeroplan.com/anyseat

TIP!

When you can’t ﬁnd the availability you are looking for with Fixed

Mileage Flight Rewards, check Market Fare Flight Rewards, which give

you access to all available seats on all Air Canada operated ﬂights5!

Pay for taxes with miles or your Card.

When you redeem your Aeroplan Miles for a ﬂight reward, you have the

ﬂexibility to use them to cover the taxes, fees and surcharges associated with

your ﬂight reward6. It’s easy: book your ﬂight and you’ll be given the option

to cover the entire amount using either your miles or a charge to your

TD Aeroplan Visa Business Card. The choice is yours!

w Want to know more? Visit aeroplan.com/flexibility

Fixed

Mileage

Flight

Rewards

Market Fare Flight Rewards

For illustration purposes only. Based on the number of miles required for a Toronto–Paris

round-trip ﬂight in Economy Class for 1 adult with a June 2015 departure.

85,900 miles

70,050 miles

60,000 miles

50,550 miles

GREAT

DEAL

TIP!

You can also redeem for a one-way

Fixed Mileage Flight Reward for 50% of the

miles required for a round trip to all routes,

including international destinations.

As the Primary Business Cardholder7, when you travel using an Aeroplan ﬂight

reward redeemed using miles from your Aeroplan account on ﬂights

operated by Air Canada®, Air Canada Rouge® or under the Air Canada Express®

banner, you’ll receive:

•One complimentary ﬁrst checked bag7. As the Primary Business

Cardholder, you’ll receive a complimentary ﬁrst checked bag, up to

23 kg (50 lb).

• Priority check-in and priority boarding7. You and your companions

travelling on the same reservation and checking in at the same time can enjoy

the convenience of priority check-in and priority boarding. Your boarding

pass(es) will automatically indicate your upgrade to Zone 2.

•One annual One-Time Guest Access Beneﬁt7 to an Air Canada Maple Leaf

LoungeTM. Each year, you automatically receive one (1) annual One-Time Guest

Access Beneﬁt to an Air Canada Maple Leaf Lounge. Simply present yourself

at the lounge with your valid, same-day Aeroplan ﬂight reward boarding pass

and your TD Aeroplan Visa Business Card.

IMPORTANT INFORMATION. In order to be eligible to use Air Canada

beneﬁts, be sure to travel using an Aeroplan ﬂight reward redeemed with miles

from your own Aeroplan account.

Please allow two weeks following activation of your Card for these Air Canada

beneﬁts to be in effect.

w Want to know more? Visit aircanada.com/TDBenefits

Air Canada

Benefits

TIP!

Be sure to travel with your TD Aeroplan Visa Business Card, as you may be

required to show it to an Air Canada agent to receive Air Canada benefits.

1211

TIP! Travelling with more guests? For a nominal fee, the Primary Cardholder who

is using a Maple Leaf Lounge One-Time Guest Access Benefit is permitted up to

a maximum of six paid guests in the lounge per visit, pending space availability.

The fee per paid guest is $35 prior to 11 a.m. and $45 after 11 a.m. Guest must

be travelling on a flight operated by Air Canada, Air Canada Rouge or under the

AirCanada Express banner. Access is subject to Air Canada Maple Leaf Lounge terms

and conditions and may not be available due to unforeseen circumstances. For

clarity, this paid guest product is not part of the suite of Air Canada benefits offered

along with a TD Aeroplan Visa Business Card. The terms and conditions of access

and use may be updated at any time at Air Canada’s sole discretion without notice.

Travel with confidence.

Leaving home for a day, a week or an extended vacation is a great way to relax.

To help you manage the ﬁnancial burden of certain unforeseen events, your

TD Aeroplan Visa Business Card is a convenient way to take travel insurance with

you. Insurance specialists are on call, 24/7, to help you manage incidents, process

claims and arrange payment abroad.

$2 million in Travel Medical Insurance8,9

You’re covered without even having to charge the trip to your Card!

As the Primary Cardholder, whenever you leave your province or territory of

residence, you, your spouse and dependent children are insured for eligible

medical emergency expenses for up to $2 million for the ﬁrst 15 days. If you, or

your spouse, are aged 65 or older, you are covered for the ﬁrst four days of your trip.

Travel Protection

and Insurance

13 11

Flight/Trip Delay Insurance9,10,11

Take the stress out of travel delays. If your trip is delayed more than four

hours, you are covered for up to $500 for reasonable and eligible hotel, motel

or restaurant expenses whenever you use your Card and/or Aeroplan Miles to

cover the full cost of your transportation.

Delayed and Lost Baggage Insurance9,11,12

Shop for delayed items. If your baggage is delayed more than six hours, each

insured person on your trip is covered for emergency purchases of essentials,

such as clothing and toiletries. Should your baggage be lost, each insured

person on your trip is covered for lost personal property. Just use your Card

and/or Aeroplan Miles to cover the full cost of your trip and each person is

covered, up to an overall maximum of $1,000 per trip.

Common Carrier Travel Accident Insurance9,10,11

Travel protected in planes, trains and more. You, your spouse and

dependent children are insured for up to $500,000 while travelling on a

common carrier (for example, a bus, ferry, plane or train) whenever you use

your Card and/or Aeroplan Miles to cover the full cost of your transportation.

Auto Rental Collision/Loss Damage Insurance9,13

Drive protected. Simply use your Card and/or Aeroplan Miles to cover the

full cost of a car rental to get the Collision/Loss Damage Insurance coverage at

no additional cost for up to 48 consecutive days.

w Want to know more? Complete coverage details are included in your

Cardholder Agreement and Benefit Coverages Guide, or visit

tdcanadatrust.com/agreements

TIP! If before or during your travels you discover that your trip will last longer

than the covered period, you may be able to extend your Travel Medical

Insurance for an additional premium. Be sure to call before your original

coverage ends†.

•Calltoll-free,1-800-359-6704fromCanadaandtheU.S.

•Callcollect,416-977-5040fromothercountries

†You cannot extend your coverage if anyone insured under your plan has suffered a medical emergency before applying for an extension.

Additional Benefits.

Preferred Car Rental Rates on qualifying car rentals from Avis®,15 and

Budget®,16 when the rental is charged to your Card.

w Want to know more? Visit avis.com/tdcreditcards or

budget.com/tdcreditcards

Visa SavingsEdge* Program17. Enroll your TD Aeroplan Visa Business Card

for FREE in the Visa SavingsEdge* Program and enjoy discounts of up to 25%

on qualifying business purchases, including business travel and entertainment,

computers and electronics, business services, and more. Your savings are

automatically applied to your Account, and appear as credits on your future

statements.

w Want to know more? Visit visasavingsedge.ca

Optional TD Auto Club Membership18 provides roadside assistance

24 hours a day, seven days a week, plus more.

w Enroll now. Visit tdcanadatrust.com/autoclub

Shop and travel with confidence.

Purchase Security and Extended Warranty Protection9,12,14 provides coverage

for new eligible personal items you purchase with your Card, should they be

stolen or damaged within 90 days of purchase. If the item comes

with a warranty that is valid in Canada, you may be entitled to extend the

warranty period for up to 12 additional months.

Apple Pay. Shop with comfort. Pay with ease.

Now you can use ApplePayTM

with your Card to pay for in-app purchases on compatible iPhone and iPad

devices.

w Learn how to add your Card at td.com/applepay

Advanced chip and PIN technology further protects the security of your

Card transactions through the use of a microchip embedded in the Card.

When making a purchase, instead of signing for it, you enter your PIN just as

you would with a debit card. With chip and PIN technology, you’ll have added

protection against unauthorized use if your Card is lost or stolen.

Visa Zero Liability is included free with your Card, and protects you in the

event that fraudulent, unauthorized transactions are made on your Card on

the Internet or in stores. The enclosed Cardholder Agreement contains details

regarding unauthorized transactions.

Pay faster in-store where you see the Visa payWave* symbol.

Visa payWave

is the secure, convenient, “contactless” way to pay

for small-dollar purchases at participating retailers. And, simplify

your online checkout process without ﬁlling out billing and

shipping info with Visa Checkout.

w Enroll now. Visit visacheckout.ca

Card Security

and Convenience

Interest rates, fees and features are effective as of September 3, 2017, unless otherwise indicated,

and are subject to change.

The Aeroplan Program is a coalition loyalty marketing program owned and operated by Aimia Canada Inc.

Visit aeroplan.com for complete terms and conditions of the Aeroplan Program. The Toronto-Dominion Bank and its afﬁliates

are not responsible for the Aeroplan Program.

1 1.5 Bonus Aeroplan Miles (“Bonus Rate”) are earned for each $1.00 in Purchases of gas (“Gas”) or travel and related

travel products and services (“Travel”) charged to your TD Aeroplan Visa Business Credit Card Account (“Account”). Any

returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original

Purchase. To earn this Bonus Rate, Purchases of Gas and Travel must be made at merchants classiﬁed through the Visa

network with a Merchant Category Code (“MCC”) that identiﬁes that merchant in the “gas” or travel category. Some

merchants may sell Gas and Travel, or have separate merchants located on their premises that also sell Gas or Travel,

but may not be classiﬁed with a Gas or Travel MCC and such Purchases will not earn this Bonus Rate. If you have

questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on

the ﬁrst $80,000 in net annual Purchases of Gas and Travel made from January 1 to December 31 each year on your

Account. Once the maximum net annual amount has been reached, Purchases of Gas and Travel on the Account will not

earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the

Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on Purchases made on your

Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 2 One

(1) Aeroplan Mile is earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account (“Account”).

Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the

amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and

TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles.

Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan

Miles earned on Purchases (a copy of your Cardholder Agreement is available at tdcanadatrust.com/tdvisa/agreements).

3 The Toronto-Dominion Bank is not responsible for any Aeroplan Miles earned under this “earn miles twice” feature of the

Aeroplan Program when the Aeroplan Membership Card is presented. See your Aeroplan Program for full details. Feature

may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 4 Business and business

owner(s) are responsible for all transactions made on all Accounts issued in the name of the business, including those made by

Additional Cardholders. 5 Including Air Canada, Air Canada Express and Air Canada Rouge. Does not apply to ﬂights to Cuba or

Air Canada Vacations. 6 Use of Aeroplan Miles to cover taxes, fees, charges and carrier surcharges associated with a ﬂight reward

booking (“Taxes, Fees, and Surcharges”) is in addition to the Aeroplan Miles required to redeem for an Aeroplan ﬂight reward.

Mileage levels required for the redemption of Taxes, Fees, and Surcharges may change without notice. Conditions, limitations

and exclusions apply when using Aeroplan Miles to cover applicable Taxes, Fees, and Surcharges. For full details, please visit

aeroplan.com/ﬂightrewardtermsandconditions 7 Conditions apply. All Air Canada beneﬁts are fulﬁlled in whole or in part

by Air Canada, or its designated afﬁliates or other third parties, and are subject to change at any time without notice. With

the TD Aeroplan Visa Business Card, Air Canada beneﬁts apply whenever the holder of the Card with the $149 Annual

Fee (“Primary Business Cardholder”) travels using an Aeroplan ﬂight reward, only, on a ﬂight operated by Air Canada,

Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access

these beneﬁts, the Primary Business Cardholder must redeem their Aeroplan ﬂight reward (deﬁned as Fixed Mileage Flight

Rewards or Market Fare Flight Rewards) with miles from their Aeroplan account. Please allow two (2) weeks from receiving

your Card for these Air Canada beneﬁts to be activated. To access these beneﬁts, the Primary Business Cardholder may be

required to show their TD Aeroplan Visa Business Card to the Air Canada agent. Additional conditions apply and are outlined

on aircanada.com/tdbeneﬁts 8 Underwritten by TD Life Insurance Company and administered by Allianz Global Assistance.

9 Beneﬁts, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition

exclusion in some cases, that are fully described in the Certiﬁcate of Insurance included with your TD Credit Cardholder

Agreement. 10 Underwritten by Allianz Global Risks U.S. Insurance Company (Canadian Branch). 11 To be eligible for

this insurance, your trip must be paid for in full using your TD Credit Card and/or Aeroplan Miles. 12 Underwritten by

TD Home and Auto Insurance Company. 13 Underwritten by TD Home and Auto Insurance Company. Car rentals must be

charged in full to the Card and/or associated Aeroplan Miles, cannot exceed 48 consecutive days and the rental agency’s

Collision Damage Waiver coverage must be declined by the Cardholder. 14 To be eligible for this insurance, the item must be

paid for in full using your TD Credit Card. 15 Provided by Avis Rent A Car System LLC. Program terms are subject to change

without notice. Certain blackout dates may apply. Offer subject to other terms and conditions. 16 Provided by Budget Rent

A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject

to other terms and conditions. 17 The Visa SavingsEdge Program is provided by Visa Canada. The Toronto-Dominion Bank

and its afﬁliates accept no responsibility in respect of this Program. 18 TD Auto Club Membership is provided by

AXA Assistance Canada Inc., an independent third party service provider. The Toronto-Dominion Bank and its afﬁliates accept

no responsibility in respect of these services.

All trade-marks are the property of their respective owners.

TM Air Canada Maple Leaf Lounge is a trademark of Air Canada, used under license.

® Air Canada, Air Canada Express and Air Canada Rouge are registered trademarks of Air Canada, used under license.

® The Aeroplan logo and Aeroplan are registered trade-marks of Aimia Canada Inc.

TM Fixed Mileage Flight Rewards and Market Fare Flight Rewards are trade-marks of Aimia Canada Inc.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay

and Touch ID are trademarks of Apple Inc.

* Trademark of Visa International Association and used under license.

® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

TDCT Aeroplan Business Welcome Guide EN 1017