The Toronto-Dominion Bank ("TD") is the issuer of the TD^® Aeroplan^® Visa Infinite* Card. Approval of an TD^® Aeroplan^® Visa Infinite* Card account is at the sole discretion of TD and, if approved, use of the account is governed by the account agreement between the cardholder and TD. The terms and conditions below are provided by TD.

Interest rates, fees and features are effective as of September 4, 2025, unless otherwise indicated, and are subject to change.

¹ TD^® Aeroplan^® Visa Infinite* Card Offer
Effective as of September 4, 2025. To be eligible for this offer, you must: (i) be approved for a TD® Aeroplan® Visa Infinite Card account (“Account”) while this offer is in effect, and (ii) not have opened any TD-Aeroplan Visa Card account (e.g., Platinum, Infinite, Infinite Privilege or Business) in the last 12 months. Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this offer is subject to the Aeroplan Program general Terms and Conditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.

Subject to the above conditions, under this offer you are eligible to receive: (a) (I) 10,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 15,000 bonus Aeroplan points ("Additional Bonus"), if $7,500 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 180 days of Account opening; and (III) a one-time anniversary bonus of 20,000 Aeroplan points ("Anniversary Bonus"), if the Account remains open and active for 12 months and $12,000 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 365 days of Account opening. For Residents outside of Quebec: To qualify for the $200 Statement Credit ("Statement Credit"), an eligible Air Canada purchase of at least $200 total must be charged to your Card and posted to your Account within the first 6 months of Account opening. Eligible purchases for the $200 Statement Credit offer are those made directly from Air Canada for products and services that are i) completed online at aircanada.com, ii) completed in-person at an Air Canada customer service counter at the airport and iii) Air Canada Vacations packages. Air Canada must be identified as the merchant of record, and only purchases from a merchant coded with Merchant Category Code (MCC) 3009 (excluding purchases made through 3rd party travel agencies) will be eligible for the $200 Statement Credit. Here are some examples that do not qualify for the Statement Credit offer: i) if the purchase for an Air Canada product is not made directly with Air Canada, such as if you make a purchase through a third-party or non-direct travel agent; or ii) if you make a purchase for non-Air Canada products from aircanada.com, such as a car rental, a hotel booking, or any other product or services from a third-party partner. Eligible purchases do not include fees, gift cards, cash advances, balance transfers, cash-like transactions, interest charges, optional services, refunds, rebates, or other similar credits. The Statement Credit will be applied to the Account within 90 days from date of purchase. The applicable Statement Credit is an Account statement credit, not a price reduction applicable when making an eligible purchase. A maximum of one Statement Credit of $200 can be earned per Account. For Quebec Residents only: To qualify for the $200 statement credit ("Statement Credit"), an eligible purchase of at least $200 must be charged to your Card and posted to your Account within the first 6 months of Account opening and not be subsequently rescinded, the subject of a charge back request or otherwise disputed. Eligible purchases do not include fees, gift cards, cash advances, balance transfers, cash-like transactions, interest charges, optional services, refunds, rebates, or other similar credits. The applicable Statement Credit is an Account statement credit, not a price reduction applicable when making an eligible purchase. A maximum of one Statement Credit of $200 can be earned per Account. The statement credit will be applied to the Account within 90 days from date of purchase. For all Accounts: The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder.

TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus and Anniversary Bonus, and (iii) (iii) terminate or suspend, in whole or part, or modify this offer in any way at any time. This offer cannot be combined with any other offer unless otherwise indicated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.

² TD^® Aeroplan^® Visa Infinite Privilege* Card Offer
Effective as of September 4, 2025. To be eligible for this offer, you must: (i) be approved for a TD® Aeroplan® Visa Infinite Privilege Card account (“Account”) while this offer is in effect, and (ii) not have opened any TD-Aeroplan Visa Card account (e.g., Platinum, Infinite, Infinite Privilege or Business] in the last 12 months. Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this offer is subject to the Aeroplan Program general Terms and Conditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.

Subject to the above conditions, under this offer you are eligible to receive: (a) (I) 20,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 30,000 bonus Aeroplan points ("Additional Bonus"), if $12,000 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 180 days of Account opening; and (III) a one-time anniversary bonus of 20,000 Aeroplan points ("Anniversary Bonus"), if the Account remains open and active for 12 months and $24,000 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 365 days of Account opening. For Residents outside of Quebec: To qualify for the $300 Statement Credit ("Statement Credit"), an eligible Air Canada purchase of at least $300 total must be charged to your Card and posted to your Account within the first 6 months of Account opening. Eligible purchases for the $300 Statement Credit offer are those made directly from Air Canada for products and services that are i) completed online at aircanada.com, ii) completed in-person at an Air Canada customer service counter at the airport and iii) Air Canada Vacations packages. Air Canada must be identified as the merchant of record, and only purchases from a merchant coded with Merchant Category Code (MCC) 3009 (excluding purchases made through 3rd party travel agencies) will be eligible for the $300 Statement Credit. Here are some examples that do not qualify for the Statement Credit offer: i) if the purchase for an Air Canada product is not made directly with Air Canada, such as if you make a purchase through a third-party or non-direct travel agent; or ii) if you make a purchase for non-Air Canada products from aircanada.com, such as a car rental, a hotel booking, or any other product or services from a third-party partner. Eligible purchases do not include fees, gift cards, cash advances, balance transfers, cash-like transactions, interest charges, optional services, refunds, rebates, or other similar credits. The Statement Credit will be applied to the Account within 90 days from date of purchase. The applicable Statement Credit is an Account statement credit, not a price reduction applicable when making an eligible purchase. A maximum of one Statement Credit of $300 can be earned per Account. For Quebec Residents only: To qualify for the $300 statement credit ("Statement Credit"), an eligible purchase of at least $300 must be charged to your Card and posted to your Account within the first 6 months of Account opening and not be subsequently rescinded, the subject of a charge back request or otherwise disputed. Eligible purchases do not include fees, gift cards, cash advances, balance transfers, cash-like transactions, interest charges, optional services, refunds, rebates, or other similar credits. The applicable Statement Credit is an Account statement credit, not a price reduction applicable when making an eligible purchase. A maximum of one Statement Credit of $300 can be earned per Account. The statement credit will be applied to the Account within 90 days from date of purchase. For all Accounts: The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder.

TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus and Anniversary Bonus, and (iii) terminate or suspend, in whole or part, or modify this offer in any way at any time. This offer cannot be combined with any other offer unless otherwise indicated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.

³ Preconditions
Please ensure that you provide your own personal Aeroplan number to be linked to your credit card as linking a different loyalty number is prohibited. This Aeroplan number must be included on the qualifying reservation to access the airline benefits. The name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders’ ability to access available benefits, their own personal Aeroplan number must be linked to a valid credit card account as verified by the bank that issued your Aeroplan credit card. Linking can be done by visiting www.aircanada.com/linkmycard. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. Aeroplan member accounts of the Primary Cardholder and Additional Cardholder(s) must be in good standing to enjoy their credit card benefits. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

⁴ Purchase of Gas or Grocery or Air Canada Products means a Purchase of gas or gas station services or products or a Purchase of grocery or grocery items, including those at grocery locations, or a Purchase directly with Air Canada for Air Canada products and services completed online at aircanada.com, in-person at Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the "gas" or "electric vehicle charging" or "grocery" or "Air Canada" category. Aeroplan points are earned on eligible purchases charged to the Account as follows:

• 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Electric Vehicle Charging, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $85,000 of Purchases of Gas, Grocery or Air Canada Products); or
• 1 Aeroplan point earned for each $1 on all other Purchases.

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Grocery or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery or Air Canada Products charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Gas, Grocery or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Bonus Rate is in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

⁵ Enjoy a free first checked bag
A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Free first checked bag benefit is applicable only when the bag is checked in at the designated check-in counter, prior to security. Bags checked in at the gate are not eligible for this benefit. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions.

⁶ Complimentary Air Canada Maple Leaf Lounge Access
Please ensure that you provide your personal Aeroplan number to be linked to your credit card as linking a different loyalty number will impact the airline benefit fulfillment.

A Primary Cardholder and Additional Cardholder(s) are each entitled to complimentary access to any Air Canada Café and any Maple Leaf Lounge located in Canada and the United States, including International Maple Leaf Lounges in Canada and the United States when travelling on an international itinerary. Access excludes Air Canada Signature Suites and lounges operated by third parties, such as Star Alliance member airlines. Exceptions may apply, please review the list of eligible lounges. The Primary Cardholder and Additional Cardholder(s) are each entitled to offer one (1) guest complimentary access to the same eligible Maple Leaf Lounge and Air Canada Café through December 31, 2025. Any guest entering a Maple Leaf Lounge and Air Canada Café must be accompanied by a Primary Cardholder or Additional Cardholder. Additional guest(s) may enter the Maple Leaf Lounge upon paying an applicable fee. For greater certainty, a Primary Cardholder or Additional Cardholder who holds Aeroplan Elite^TM Status, may additionally take advantage of the lounge access benefits available to them as part of the Aeroplan Elite Status program. For more information on Aeroplan Elite Status, please visit Aeroplan Elite Status benefits. Access to Maple Leaf Lounges and Air Canada Cafés are only available in conjunction with a same-day ticket when departing on a flight marketed or operated by Air Canada, Air Canada Rouge, under the Air Canada Express brand, or any Star Alliance member airline.

Anyone under the age of majority entering a Maple Leaf Lounge or an Air Canada Café must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge or Air Canada Café are located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. Use of Maple Leaf Lounges or Air Canada Cafés are subject to applicable Maple Leaf Lounges Terms and Conditions.

⁷ Additional Cardholders
Primary Cardholder remains liable for all charges to the account, including those made by any Additional Cardholder.

⁸ Get Priority Check-in, Priority Boarding and Priority Baggage Handling
A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to Priority Check-in (where available), Zone 2 Priority Boarding and Priority Baggage Handling. Benefits only apply when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. To access this benefit, the Primary Cardholder or Additional Cardholder may be required to show their qualifying credit card to the Air Canada agent.

⁹ Priority Airport Standby and higher priority for eUpgrades
A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to Priority Airport Standby, and a higher priority for upgrade requests to a premium cabin. Priority airport standby and upgrade clearance are available on day of travel when travelling on a fare that allows for airport standby or upgrades, and upon satisfying the applicable condition, such as payment of fees or use of upgrade instrument(s), such as eUpgrade credits. Benefit only applies for flights operated by Air Canada, Air Canada Rouge, or under the Air Canada Express brand. Priority on standby and upgrade lists is determined by several factors, including, but not limited to, holding Aeroplan Elite Status, an eligible Aeroplan-branded credit card, and other rules as determined by Air Canada in its sole discretion and as may be changed by Air Canada from time to time. See aircanada.com/elite-termsandconditions for applicable Aeroplan Elite Status and eUpgrade conditions.

¹⁰ TD^® Aeroplan^® Visa Infinite* Card and TD^® Aeroplan^® Visa* Business Card

Earn Status Qualifying Miles and Status Qualifying Segments by spending on your card

Effective to December 31, 2025:

For every $10,000 in net purchases (less any returns and credits) charged to the credit card account, Primary Cardholders will receive 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS), to be deposited in their Aeroplan member account at the end of the next credit card account billing period. Please allow up to 1 week after your credit card account statement date for the deposit to appear. SQM and SQS are not redeemable towards Aeroplan rewards and only count toward Aeroplan Elite Status qualification. SQM do not count towards Million Mile Status. Additional Cardholder(s) are not eligible to receive SQM or SQS through this benefit; however, all net spend by Additional Cardholder(s) will count towards the Primary Cardholder's spend. The cardholder may earn unlimited bonus SQM and SQS during an Elite Status qualification period. All Aeroplan Elite Status conditions apply and can be reviewed at aircanada.com/elite-termsandconditions.

Effective January 1, 2026:

For every $20,000 in net purchases (less any returns and credits) (the "Purchase Threshold") charged to the a [TD Aeroplan Visa Infinite credit card][TD Aeroplan Visa Business credit card], Primary Cardholders can receive 1,000 Status Qualifying Credits ("SQC") up to a combined total maximum of 25,000 SQC per Aeroplan Member per calendar year for all SQC that may be awarded to that Aeroplan member in connection with any Aeroplan credit card held by that Aeroplan member, regardless of credit card issuer (the "Annual Credit Card Maximum"). The Annual Credit Card Maximum is tracked by Aeroplan. For certainty, the Annual Credit Card Maximum only applies to SQC that is awarded to an Aeroplan Member in connection with any Aeroplan credit card and Aeroplan Members may be awarded Status Qualifying Credits through other eligible activities in accordance with the Aeroplan Elite Status Terms and Conditions.

Subject to the Annual Credit Card Maximum, SQC will be awarded to the Aeroplan Member's account at the end of the next credit card account billing period after the Purchase Threshold is met. Please allow up to 1 week after your credit card account statement date for the SQC to appear in the Aeroplan Member’s account. Additional Cardholder(s) are not eligible to receive SQC through this benefit; however, net purchases charged by Additional Cardholders will count towards the Primary Cardholder’s net purchases and SQC eligibility.

SQC are not redeemable towards Aeroplan rewards and only count towards Aeroplan Elite Status qualification. SQC cannot be exchanged and do not count towards Million Mile status.

Aeroplan reserves the right, at any time and at its sole discretion, to reverse, revoke or rescind SQC, Elite Status and associated benefits in the event of misuse of this benefit.

Aeroplan Elite Status is offered by Air Canada. All Aeroplan Elite Status terms and conditions apply. The Toronto-Dominion Bank has no responsibility or liability for Aeroplan Elite Status.

TD^® Aeroplan^® Visa Infinite Privilege* Card

Earn Status Qualifying Miles and Status Qualifying Segments by spending on your card

Effective to December 31, 2025:

For every $5,000 in net purchases (less any returns and credits) charged to the credit card account, Primary Cardholders will receive 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS), to be deposited in their Aeroplan member account at the end of the next credit card account billing period. Please allow up to 1 week after your credit card account statement date for the deposit to appear. SQM and SQS are not redeemable towards Aeroplan rewards and only count toward Aeroplan Elite Status qualification. SQM do not count towards Million Mile Status. Additional Cardholder(s) are not eligible to receive SQM or SQS through this benefit; however, all net spend by Additional Cardholder(s) will count towards the Primary Cardholder's spend. The cardholder may earn unlimited bonus SQM and SQS during an Elite Status qualification period. All Aeroplan Elite Status conditions apply and can be reviewed at aircanada.com/elite-termsandconditions.

Effective January 1, 2026:

For every $5,000 in net purchases (less any returns and credits) (the "Purchase Threshold") charged to a TD Aeroplan Visa Infinite Privilege credit card account, the Primary Cardholder can receive 1,000 Status Qualifying Credits ("SQC") up to a combined total maximum of 25,000 SQC per Aeroplan Member per calendar year for all SQC that may be awarded to that Aeroplan Member in connection with any Aeroplan credit card held by that Aeroplan Member, regardless of credit card issuer (the “Annual Credit Card Maximum”). The Annual Credit Card Maximum is tracked by Aeroplan. For certainty, the Annual Credit Card Maximum only applies to SQC that is awarded to an Aeroplan Member in connection with any Aeroplan credit card and Aeroplan Members may be awarded Status Qualifying Credits through other eligible activities in accordance with the Aeroplan Elite Status Terms and Conditions.

Subject to the Annual Credit Card Maximum, SQC will be awarded to the Aeroplan Member's account at the end of the next credit card account billing period after the Purchase Threshold is met. Please allow up to 1 week after the applicable credit card account statement date for the SQC to appear in the Aeroplan Member’s account. Additional Cardholder(s) are not eligible to receive SQC through this benefit; however, net purchases charged by Additional Cardholder(s) will count towards the Primary Cardholder’s net purchases and SQC eligibility.

SQC are not redeemable towards Aeroplan rewards and only count towards Aeroplan Elite Status qualification. SQC cannot be exchanged and do not count towards Million Mile status.

Aeroplan reserves the right, at any time and at its sole discretion, to reverse, revoke or rescind SQC, Elite Status and associated benefits in the event of misuse of this benefit.

Aeroplan Elite Status is offered by Air Canada. All Aeroplan Elite Status terms and conditions apply. The Toronto-Dominion Bank has no responsibility or liability for Aeroplan Elite Status.

Rollover of Status Qualifying Miles

Effective to December 31, 2025:

Please ensure that you provide your personal Aeroplan number to be linked to your credit card as linking a different loyalty number will impact the airline benefit fulfillment.

Primary Cardholders who also hold Aeroplan Elite Status will be able to roll over up to a maximum of 200,000 Status Qualifying Miles (SQM) from the prior qualification year to the next qualification year. This benefit applies when the member qualified for Aeroplan Elite Status by earning the required Status Qualifying Miles or Status Qualifying Segments (SQS), as well as the required Status Qualifying Dollars (SQD), in the prior qualification year. If the member has been granted complimentary status, as determined by Air Canada, that is higher than the status they would have earned via their Status Qualifying balances, the rollover amount will be based on the status they would have earned otherwise (if any), and not the granted status. To qualify for SQM rollover, the Primary Cardholder must be approved for the credit card prior to December 15th of the current calendar year. SQM rolled over from the previous qualifying year will apply towards status qualification for the following qualifying year. Rollover SQM will be deposited directly into the member's Aeroplan account no later than March 30 of any given year, provided the member earned at least Aeroplan 25K Status based on their Status Qualifying balances from the prior qualifying year. Rollover does not apply to SQS or SQD. Benefit is only available to Primary Cardholders and does not apply to Additional Cardholders. In the event the credit card is changed to a different product, or the account is closed, regardless of reason for closure, any SQM rolled over as a result of this benefit will be removed from the Aeroplan account, and any status earned as a result of these rolled over SQM may also be rescinded. SQM do not count towards Million Mile Status and are not redeemable towards Aeroplan rewards. Where a Primary Cardholder is eligible to roll over SQM under another Aeroplan credit card, the total cumulative roll over of all SQM towards Aeroplan Elite Status cannot exceed the maximum of 200,000 SQM. All Aeroplan Elite Status conditions apply and can be reviewed at the terms and conditions page.

Effective to December 31, 2025:

Primary Cardholders of the TD Aeroplan Visa Infinite Privilege card who also hold Aeroplan Elite Status will be able to roll over up to a maximum of 200,000 Status Qualifying Miles ("SQM") from the prior qualification year to the next qualification year. This benefit applies when the member qualified for Aeroplan Elite Status by earning the required Status Qualifying Miles or Status Qualifying Segments ("SQS"), as well as the required Status Qualifying Dollars ("SQD"), in the prior qualification year. If the member has been granted complimentary status, as determined by Air Canada, that is higher than the status they would have earned via their Status Qualifying balances, the rollover amount will be based on the status they would have earned otherwise (if any), and not the granted complimentary status. To qualify for SQM rollover, the Primary Cardholder must be approved for the TD Aeroplan Visa Infinite Privilege card prior to December 15th of the current calendar year. SQM rolled over from the previous qualifying year will apply towards status qualification for the following qualifying year. Rollover SQM will be deposited directly into the member's Aeroplan account no later than March 30 of any given year, provided the member earned at least Aeroplan 25K sStatus based on their Status Qualifying balances from the prior qualifying year. Rollover does not apply to SQS or SQD. Benefit is only available to Primary Cardholders and does not apply to Additional Cardholders. In the event the credit card is changed to a different product or the account is closed, regardless of reason for closure, any SQM rolled over as a result of this benefit will be removed from the Aeroplan account, and any status earned as a result of these rolled over SQM may also be rescinded. SQM do not count towards Million Mile Status and are not redeemable towards Aeroplan rewards. Where a Primary Cardholder is eligible to roll over SQM under another Aeroplan credit card, the total cumulative roll over of all SQM towards Aeroplan Elite Status cannot exceed the maximum of 200,000 SQM. Aeroplan Elite Status is offered by Air Canada. All Aeroplan Elite Status conditions apply and can be reviewed at aircanada.com/elite-termsandconditions. The Toronto-Dominion Bank has no responsibility or liability for Aeroplan Elite Status.

SQM will cease to exist after December 31, 2025 and Status Qualifying Credits ("SQC") will be introduced starting January 1, 2026, with one final rollover activity in the form of a conversion Rollover SQM to SQC. Accordingly, Primary Cardholders of the TD Aeroplan Visa Infinite Privilege card ("Eligible Card") will, for the 2026 Elite Year, be eligible to have Rollover SQM from the prior qualification year converted to SQC on the basis of 5 Rollover SQM to 1 SQC ("Converted SQC"), up to a maximum of 40,000 Converted SQC. Other than the conversion Rollover SQM to SQC, all other Rollover SQM benefit Terms and Conditions continue to apply, including without limitation that to be eligible for the Converted SQC, the Primary Cardholder must achieve any Aeroplan Elite Status for the 2026 Elite Year in the prior qualification year (complimentary, gifted, or promotional Aeroplan Elite Status are ineligible) and be an Aeroplan Member in good standing. Converted SQC will be deposited by Air Canada into the Primary Cardholder’s Aeroplan account by March 31, 2026. SQC are not redeemable towards Aeroplan rewards, cannot be exchanged, and do not count towards Million Mile status. In the event the Eligible Card is changed to a different product, or the Eligible Card account is closed, regardless of reason for closure, any Converted SQC deposited as a result of this benefit will be removed from the Aeroplan account, and any Aeroplan Elite Status as a result of Converted SQC may also be rescinded. Aeroplan Elite Status is offered by Air Canada. All Aeroplan Elite Status conditions apply and can be reviewed at aircanada.com/elite-termsandconditions. The Toronto-Dominion Bank has no responsibility or liability for Aeroplan Elite Status.

Effective January 1, 2026:
10% Head Start

Starting January 1, 2027, eligible Primary Cardholders of the TD Aeroplan Visa Infinite Privilege card (the "Eligible Card") who hold Aeroplan 25K status or higher can receive Status Qualifying Credits ("SQC") in their Aeroplan Member account in an amount that is equal to 10% of the total SQC accumulated by them in the prior calendar year (the "10% Head Start"), with no limit on the number of SQC that can be granted under this benefit.

To be eligible for the 10% Head Start, the Primary Cardholder must have been approved for the Eligible Card prior to December 15th of the prior calendar year and be an Aeroplan Member in good standing. The Eligible Card account must be linked to the Primary Cardholder’s own Aeroplan Member account, and the Primary Cardholder must hold Aeroplan 25K status or higher on February 15th of the current Aeroplan Member Elite Status year. If the Eligible Card is changed to a different product or the Eligible Card account is closed, regardless of reason for closure, any SQC awarded in that current Aeroplan Member Elite Status year as a result of the 10% Head Start will be removed by Aeroplan from the Aeroplan Member account.

A maximum of one 10% Head Start will be awarded by Air Canada per Aeroplan Member per calendar year irrespective of the number of Aeroplan credit cards held. SQC granted because of the 10% Head Start will be deposited directly into the Primary Cardholder’s Aeroplan Member account by no later than March 31st of any given year. Benefit is only available to Primary Cardholders and does not apply to Additional Cardholders. https://www.aircanada.com/ca/en/aco/home/aeroplan/status/terms-and-conditions.html

SQC are not redeemable towards Aeroplan rewards and only count towards Aeroplan Elite Status qualification. SQC cannot be exchanged and do not count towards Million Mile status.

Aeroplan reserves the right, at any time and at its sole discretion, to reverse, revoke or rescind SQC, Elite Status and associated benefits in the event of misuse of this benefit.

Aeroplan Elite Status is offered by Air Canada. All Aeroplan Elite Status terms and conditions apply. The Toronto-Dominion Bank has no responsibility or liability for Aeroplan Elite Status.

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

For Air Canada and Aeroplan trade-mark ownership details see: td.com/aeroplancards

^* 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 or its subsidiaries