¹ As defined in the Certificate of Insurance. Exclusions and limitations apply.

² Total for all TD Canada Trust mortgages. Mortgages include Conventional or Canadian Mortgage and Housing Corporation (CMHC) insured mortgages only. Self-directed RSP mortgages and mortgages on commercial properties are not eligible to be insured.

³ The insurer can pay the outstanding credit balance to The Toronto-Dominion Bank, subject to the amount of insurance you applied for and were approved for. See the Certificate of Insurance for details. Restrictions and limitations apply.

⁴ Your premium is based on your age and the amount of your mortgage at application, less any applicable discounts. If another person also becomes insured for Critical Illness and Life Insurance on the same mortgage, a 25% discount will be applied to each of the individual premiums.

Life, terminal illness, and optional critical illness insurance underwritten by The Canada Life Assurance Company. Accidental dismemberment coverage underwritten by TD Life Insurance Company.

TD Life Insurance Company is the authorized administrator for this insurance. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the Certificate of Insurance.

¹ As defined in the Certificate of Insurance. Exclusions and limitations apply.

² The insurer will pay the amount of the outstanding credit balance to The Toronto-Dominion Bank subject to maximum coverage limits as outlined in the Certificate of Insurance. Line of Credit Critical Illness Insurance is only available as an optional additional coverage to Line of Credit Life Insurance. Restrictions and limitations apply.

³ Premiums for the revolving portion will be based on the average daily balance and their current age at the time of billing. Premiums for the term portion will be based on the initial term balance at the start of the term and age at the start of the term. Premiums for the term portion will remain constant for the duration of the term selected. When the term comes up for renewal, the term portion of the premium will readjust to the customer's outstanding balance and age at the time of renewal. A 20% premium rate reduction will apply for the portion of your balance that is between $75,000-$300,000. A 25% premium rate reduction will apply for the portion of your balance that is between $300,000-$500,000. A 35% premium rate reduction will apply for the portion of your balance that is between $500,000 and $1,000,000. If more than one person becomes insured for Critical Illness and Life Insurance on the same line of credit, a 15% discount will be applied to each of the individual premiums.

Life and optional critical illness insurance underwritten by The Canada Life Assurance Company. Accidental dismemberment coverage underwritten by TD Life Insurance Company.

TD Life Insurance Company is the authorized administrator for this insurance. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the Certificate of Insurance.

¹ As defined in the Certificate of Insurance. Exclusions and limitations apply.

² The insurer will pay the amount of the outstanding credit balance to The Toronto-Dominion Bank subject to maximum coverage limits as outlined in the Certificate of Insurance. Loan Disability Insurance is only available as an optional additional coverage to Loan Life Insurance. Restrictions and limitations apply.

³ Your premium is based on your age, the loan amortization period, and the amount of your loan at application, less any applicable discounts. If another person also becomes insured for Life and Disability Insurance on the same loan, a 15% discount will be applied to each of the individual premiums.

Life and optional disability insurance underwritten by The Canada Life Assurance Company. Accidental dismemberment coverage underwritten by TD Life Insurance Company.

TD Life Insurance Company is the authorized administrator for this insurance. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the Certificate of Insurance.

TD Credit Card Payment Protection Plan is underwritten by American Bankers Insurance Company of Florida (“ABIC”) and American Bankers Life Assurance Company of Florida (“ABLAC”) under Group Policy Numbers 0220PPP and 0220PPPL. The Group Master Policies are issued by the insurers to The Toronto-Dominion Bank. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant^?. ^?Assurant is a registered trademark of Assurant, Inc.

+Insured balance is defined as outstanding account balance, calculated as of the Statement Date if you reside in a Province/Territory other than Quebec, or as Average Daily Balance if you reside in the Province of Quebec as of the Statement Date.

*Defined terms and complete details of all benefits and coverage, including exclusions and limitations which may apply, are contained in the Certificate of Insurance you will receive upon enrollment.

¹ As defined in the Certificate of Insurance. Exclusions and limitations apply.

² The insurer will pay the amount of the outstanding credit balance to The Toronto-Dominion Bank subject to maximum coverage limits as outlined in the Certificate of Insurance. Restrictions and limitations apply.

³ To be eligible for non-smoker rates, the Insured Person must not have smoked or used any substance or product containing tobacco, nicotine or marijuana within the 12 months of the effective date of coverage. If the Insured Person told us that he/she was a smoker and it has been 12 months or more since he/she last smoked or used any substance or product containing tobacco, nicotine or marijuana, he/she can apply for non-smoker rates by completing a Business Credit Life Insurance Notification of Change Form.

Business Credit Living Benefit Insurance provides critical illness and disability coverage. Business Credit Life Insurance provides life and accidental dismemberment coverage. Accidental dismemberment coverage is provided by TD Life Insurance Company (“TD Life”). All other coverages are provided by Sun Life Assurance Company of Canada (“Sun Life"). TD Life is the authorized administrator for Sun Life. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the Certificate of Insurance.