TDCT Emerald Flex Rate Visa Welcome Guide EN

TDCT_Emerald_Flex_Rate_Visa_Welcome-Guide_EN

User Manual:

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Enjoy great ﬁnancial ﬂexibility

at a low interest rate

Discover your TD Emerald Flex Rate Visa* Card

Getting Started 3

Beneﬁts 4

Insurance 5

Convenience 7

Card Security 10

Contact and Support 13

TD Emerald Flex Rate Visa* Card

Welcome Guide

3 4

Beneﬁts

Enjoy the value and convenience of:

• a preferred low variable interest rate based on your credit history;

• security and protection for your Card when you shop and travel;

• adding up to three Authorized User Cards to your Account with no

Annual Fee.

Add Authorized User Cards

Add up to three Authorized User Cards1 (no Annual Fee) to your Account (no

additional credit approval required) and they will share the same purchasing

convenience of the TD Emerald Flex Rate Visa* Card that you have.

wLearn more at tdcanadatrust.com/authorizeduser

Save time on regularly recurring bill payments

Set up regularly recurring bill payments on your Account with participating

merchants such as phone bills. You’ll save time and avoid late fees when your

bills are paid automatically on their due dates.

Save with Avis Rent a Car and Budget Rent a Car

Save a minimum of 10% off the lowest available base rates2, 3 in Canada and the

U.S., and a minimum of 5% off the lowest available base rates2, 3 internationally,

on qualifying car rentals at participating Avis and Budget locations.

Avis You can reserve your Avis car rental by visiting avis.com/tdcreditcards

Quote Avis Worldwide Discount (AWD) #C078400

at time of reservation and charge the full rental to your

TD Emerald Flex Rate Visa* Card

Budget You can reserve your Budget car rental by visiting

budget.com/tdcreditcards. Quote Budget Customer Discount

(BCD) #A331700 at time of reservation and charge the full rental

to your TD Emerald Flex Rate Visa* Card

Getting Started

Welcome to your new TD Emerald Flex Rate Visa* Card

Quick steps to getting started and making the most of your Card

• Activate your TD Emerald Flex Rate Visa* Card simply by calling the

number on the sticker found on your new Card, then follow the simple

prompts. Don’t forget to sign your Card!

• Register for EasyWeb® Online banking at easyweb.td.com to access

and manage your Account online and sign up for online statements or, if

you prefer to bank by phone, call EasyLine® telephone banking at

1-866-222-3456.

• Learn how to add your Card to Apple Pay

at tdcanadatrust.com/applepay if you have an iPhone, or TD Mobile

Payment at tdcanadatrust.com/waystobank if you use Android, to make

convenient, everyday payments with just a tap of your phone.

• Update your Card as the Primary Card on your favorite retail apps,

like auto-reloads, food delivery and transportation to enjoy convenience

for your everyday purchases.

• Set up regularly recurring bill payments on your Account with

participating merchants to save time and avoid late fees with bills paid

automatically on their due dates.

• Download the TD app at td.com/app to view your Credit Card

Account almost anywhere. Plus, you can bank at home, or on the go.

5 6

Enhance your TD Emerald Flex Rate Visa* Card

with optional beneﬁts

You can add optional beneﬁts and services to your TD Emerald Flex Rate Visa*

Card that are suitable for you.

Optional TD Travel Insurance Coverages available to you

Travel Medical Insurance6 – When you’re travelling, the last thing you want to

worry about is your emergency medical coverage. As a TD Emerald Flex Rate Visa*

Cardholder, you can purchase optional TD Travel Medical Insurance.

You’ll enjoy:

• comprehensive emergency medical coverage up to $5 million, if eligible,

for when you are travelling outside of your province or territory, whether

internationally or within Canada;

• no out-of-pocket costs for eligible emergency medical expenses;

• 24/7 emergency medical assistance.

Trip Cancellation and Trip Interruption Insurance7 – With Trip Cancellation

and Trip Interruption Insurance, if due to a covered cause, such as an illness, injury

and more:

• you need to cancel your trip, we’ll help you recover your trip expense;

• you need to return home early, we’ll cover the cost of your eligible return

transportation.

wFor information about Travel Medical Insurance, or Trip Cancellation

and Trip Interruption Insurance, and how to enroll,

visit tdcanadatrust.com/travelmedical or call 1-800-293-4941.

Be prepared with optional Balance Protection insurance8

Optional Balance Protection insurance products are designed to assist in managing

your credit obligations on your TD Emerald Flex Rate Visa* Card in the event of your

Involuntary Unemployment, Total Disability, Dismemberment, Critical Illness or Death.

wTo learn more about optional Balance Protection insurance products or to

enroll, call 1-866-315-9069 or visit tdcanadatrust.com/BP

Get the help you need with the

optional TD Auto Club Membership

With Deluxe or Standard TD Auto Club Membership4, you and your family will

know that in the event of a road emergency, help is just a phone call away.

wFind out more at tdcanadatrust.com/autoclub

Insurance

Explore the insurance coverages included with your

TD Emerald Flex Rate Visa* Card

Shop conﬁdently with Purchase Security and Extended Warranty Protection5,

and learn about optional TD Travel Insurance coverages.

Purchase Security and Extended Warranty Protection – You automatically

have access to Purchase Security and Extended Warranty Protection, which

includes coverage for most eligible new items you’ve purchased on your Card:

• Repair, replacement or reimbursement should items be lost, stolen or

damaged within 90 days of purchase;

• Double your warranty, up to 12 additional months, if the eligible item

came with a manufacturer’s warranty valid in Canada.

7 8

Simplify the way you pay with TD Mobile Payment

The next time you’re on the go, like on your morning run or walking the dog,

don’t worry about reaching for cash for your small purchases, simply use your

AndroidTM smartphone9. With TD Mobile Payment, just link an eligible

TD Credit Card to the TD app and you can pay safely and securely in a

few seconds.

wLearn how to add your Card at tdcanadatrust.com/waystobank

Pay with Visa payWave*

Visa payWave Technology is the secure, convenient, contactless way to pay for

small-dollar purchases at participating retailers. It’s faster and more convenient

than cash – and your Card never leaves your hand.

Shop online simply with Visa Checkout

Visa Checkout10 makes it easy to pay online with your TD Credit Card. Sign up

for Visa Checkout, a service available from Visa that simpliﬁes the online

checkout process. It’s available anywhere you see the Visa Checkout logo.

wEnroll now: Visit visacheckout.ca

Manage your Account, your way

TD Green Machine® ATMs

Access and manage your Card Account at any of our ATMs.

wFind an ATM: Visit tdcanadatrust.com

EasyWeb® Online banking

Manage your Card Account easily online.

wLogin to EasyWeb at easyweb.td.com

Enjoy the convenience of your TD Emerald Flex Rate Visa* Card

Discover all the features that make using your Card more convenient every day,

from simplifying making purchases, to assistance if you lose your Card.

Help and assistance

• Fast replacement Cards.

Report your lost or stolen Card immediately and the TD Credit Card

Contact Centre will do its best to get a replacement Card to you wherever

you are.

• Fast, reliable access to cash.

You can ask for an emergency Cash Advance of up to $500 in emergency

funds (subject to your available credit limit), at over one million ATMs

worldwide, at all TD Canada Trust branches and at select ﬁnancial

institutions around the world.

• Getting information when you need it.

The TD Credit Card Contact Centre can help you with important

information, such as the location of the nearest Visa member ofﬁce for

Cash Advances or contact numbers for embassies and consulates.

Ways to Pay

Save time with Apple Pay

Apple Pay is accepted in a growing number of shops, restaurants, and other

retailers. Many apps have also added Apple Pay to their accepted methods of

payment. Just look for the Apple Pay or contactless payment symbols at the

check-out.

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

Convenience

910

Card Security

Explore your TD Emerald Flex Rate Visa* Card

fraud security features

Protecting the security of your Card should always be a priority. That’s why your

TD Emerald Flex Rate Visa* Card comes with features that help protect you

when you shop online and in person.

Security Features

• Shop online and in person securely with Visa Zero Liability and be

protected in the event that unauthorized transactions are made on

your Card. See your Cardholder Agreement for complete information on

unauthorized transactions and your responsibilities, including your

responsibility to protect your PIN.

• Shop with conﬁdence with Chip & PIN technology. Chip & PIN

technology provides an added level of security through the use of a

Personal Identiﬁcation Number (PIN).

• Veriﬁed by Visa* provides you with increased security and convenience

when you shop online.

Personal Identiﬁcation Number (PIN) Security Tips

• Choose a PIN you can remember that’s difﬁcult to guess. Don’t use a

phone number or birthday.

• Never write down your PIN.

• Protect your PIN and use your hand or body to shield the keypad when

you enter your PIN.

• Never let anyone else know or use your PIN or use your Card.

• Make transactions only when and where you feel secure. If in doubt,

don’t use your Card.

wReset your PIN easily and conveniently at a TD Canada Trust Branch or 24/7

at any TD Canada Trust Green Machine ATM.

Easyline® telephone banking

Give us a call to access or manage your Card Account

wCall 1-866-222-3456

TD app

Get secure access to TD’s mobile banking service anywhere you are.

wDownload the app at td.com/app

Balance Transfers

Consider consolidating any higher-rate non-TD credit card balances you may

have to your TD Emerald Flex Rate Visa* Card Account through a Balance

Transfer.11 By transferring your balances, you can more easily keep track of your

expenses with one monthly payment. Talk to us about the convenience and

potential interest savings of consolidating your balances to your

TD Emerald Flex Rate Visa* Account.

wFor more information, visit us at your nearest TD Canada Trust branch or

call 1-800-983-8472.

11 12

Fraud Protection (24-hour)

Our protection measures help protect you from credit card fraud. In the event

that we detect unusual activity relating to your Account:

• 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 Emerald Flex Rate Visa* Card Account;

• 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;

• your Card may be temporarily blocked until we can contact you for

veriﬁcation.

Interest rates, fees and features are effective as of June 19, 2017, unless otherwise indicated

and are subject to change.

1 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User. To

add Authorized User, your Account must be open and in good standing.

2 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to terms and conditions which may

change without notice. Blackout dates may apply. Base rate refers to time and kilometre/mile charges only.

Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services,

discounts or other offers made available by Avis Rent A Car System ULC.

3 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to terms and conditions which may

change without notice. Blackout dates may apply. Base rate refers to time and kilometre/mile charges only.

Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services,

discounts or other offers made available by Budget Rent A Car System, Inc.

4 TD Auto Club is provided by AXA Assistance Canada Inc. The Toronto-Dominion Bank and its afﬁliates accept no

responsibility in respect of these services.

5 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for

in full using your TD Credit Card. Beneﬁts, features and coverages are subject to conditions, limitations and

exclusions that are fully described in the Certiﬁcate of Insurance included with your TD Credit Cardholder Agreement.

6 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Travel Medical

Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and

claims assistance, claims payment and administrative services are provided by our Administrator. Beneﬁts,

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

exclusion, that are fully described in the Certiﬁcate of Insurance which is issued if accepted for enrollment. Travel

Medical Insurance can be purchased by calling 1-800-293-4941, or visiting tdcanadatrust.com. Note that this

optional insurance offers different beneﬁts, on different terms and conditions, than the Travel Medical Insurance

that is automatically included with other TD Credit Cards.

7 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Trip Cancellation

and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and

TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and

administrative services are provided by our Administrator. Beneﬁts, features and coverages are subject to

conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the

Certiﬁcate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling 1-800-293-4941

or by visiting tdcanadatrust.com. Note that this optional insurance offers different beneﬁts, on different terms and

conditions, than the Trip Cancellation/Trip Interruption Insurance that is automatically included with other

TD Credit Cards.

8 Life, Accidental Death at 66 and Critical Illness coverages are underwritten by American Bankers Life Assurance

Company of Florida and Involuntary Unemployment, Total Disability, Disability Requiring Hospitalization and Loss

of Self-Employment Income coverages are underwritten by American Bankers Insurance Company of Florida.

Dismemberment coverage is underwritten by TD Life Insurance Company. The Toronto-Dominion Bank receives a fee

from each insurer with respect to premium collection. Complete terms of coverage are in the Certiﬁcate of Insurance

you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by beneﬁt.

13 14

9 Selected Android mobile devices are eligible for TD Mobile Payment. The mobile device must be enabled with Near

Field Communication (NFC) technology (contactless). You must also have occasional access to a cellular data

network or Wi-Fi connection.

10 The Visa Checkout service is made available through Visa. The Toronto-Dominion Bank and its afﬁliates are not

responsible for the service including any offers made available to you through the service.

11 Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance

rate that applies to your Account from the date the Cash Advance is made. See your Cardholder Agreement for

complete information on Cash Advances including how we apply your payments and interest to Cash Advances.

More about your TD Emerald Flex Rate Visa* Card

Cardholder Agreement

For complete information about your Card, please refer to your

Cardholder Agreement.

wDownload the PDF: Visit tdcanadatrust.com/agreements

Contact and Support

Important Numbers

For more information about your Card:

TD Credit Card Contact Centre (7 a.m. to 12 midnight ET, seven days a week):

Within Canada and U.S.: 1-800-983-8472

Outside of Canada and U.S.: call collect 416-307-7722

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

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

Loss Prevention Centre (24 hours):

Canada and U.S.: 1-888-347-3261

Outside Canada and U.S.: call collect 416-308-3763

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

* Trademark of Visa International Service Association and used under license.

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

TDCT Emerald Flex Rate Visa Welcome Guide EN