As a part of our commitment to help our customers deal with potential financial hardship, we had made a Minimum Payment Deferral option available to customers, which allowed them to defer the minimum payment for 3 months.

Applications for this option ended on Nov 30, 2020.

No, it will not stop the payment from being withdrawn from your account. If you currently have pre-authorized payments set up from your account to pay your minimum payment, you will need to contact your bank to pause payments from automatically being withdrawn. If your payment is coming out of a TD account, please contact us at 1-800-983-8472.

If you have chosen to defer your payments through the Minimum Payment Deferral program, interest that has accrued during the deferral period will be added to your outstanding balance as set out in your Cardholder Agreement and Disclosure Statement.

On month 4, when the deferral period is over, your minimum payment will continue as outlined in your Cardholder Agreement and Disclosure Statement.

If you are able to make any payments during the Minimum Payment Deferral window, we would strongly recommend that you continue to make whatever payments you can. All these payments will help to reduce the amount outstanding and due upon Month 4 when the Minimum Payment Deferral option expires.

Once you submit a request for the Minimum Payment Deferral option, you cannot cancel it. If you wish to make any payments, simply make any payments each month and we will apply these payments as outlined in your TD Credit Cardholder Agreement.

Yes, if you have a balance protection insurance, your premiums will continue to be changed and your credit card account will continue to be insured during the deferral period.

If approved for a payment deferral, we will report to the credit bureaus that the underlying is "deferred". A deferred payment is not considered the same as a missed payment on credit bureaus or credit scores. We do not report a COVID-19 related "deferred payment" as a "missed payment".

Your credit score is calculated using a formula based on your credit report and reflects various factors. One of the factors that may affect your credit score includes the amount of your outstanding debts – which may increase as a result of a payment deferral.

For more information about credit reports and your credit score, you can visit the Financial Consumer Agency of Canada (FCAC) site, or contact the credit bureaus (also known as the credit reporting agencies), Equifax Canada and TransUnion Canada, directly.

If you would like to dispute a transaction on your account statement, simply complete and submit a transaction dispute request within 60 days of the credit card statement closing date.

While we empathize with the situation, there are no dispute rights in play here since you are voluntarily choosing not to use the services and the voucher was offered as a courtesy.

You must first attempt to resolve the dispute with the merchant after the original expected date of receipt. Although we are asking for clients to be flexible, if the merchant fails to provide the service by the expected date, you may have dispute rights. Please contact us so we can start an investigation.

Because companies can take up to 15 business days to issue a refund, we cannot begin our investigation until that time has expired. If it has been at least 15 days since the refund was issued, please contact us so we may start an investigation.

You can also check your most recent transactions online through EasyWeb. If you have not set up an online banking profile you can do so by going to EasyWeb and clicking on the register online now button.

You must first attempt to resolve the dispute with the merchant after the expected date of receipt. Although we are asking for clients to be flexible, if the merchant fails to provide the merchandise by the expected date, you may have dispute rights. Please contact us so we can start an investigation.

You must first attempt to resolve the dispute with the merchant as some merchant have extended their return window during this time. Although we are asking for clients to be flexible, if the merchant fails to follow their cancellation/return/refund policies, please contact us so that we may start an investigation.

Please contact the merchant and attempt to resolve before contacting us. You are not required to accept an alternate date. If the dispute cannot be resolved with the merchant, we may be able to dispute the transaction.

While we empathize with the situation, unfortunately if the event is scheduled as planned and the merchant is willing and able to provide the service there would not be dispute rights for this situation under non-receipt. If you canceled the tickets, the merchant’s cancellation and/or refund policy would apply.

Note: If services/tickets were purchased through third-party resale sites, the refund policy of that third-party sale would apply—not the refund/cancellation policy of the original merchant.

Please contact the merchant and attempt to resolve before contacting us. As the gift card represents purchased services, and the merchant is now unable to provide the services, we may be able to dispute. Please contact us to start an investigation.

Please contact the merchant of record (such as grocery store) and attempt to resolve with them before contacting us. If you are unable to resolve with that merchant, please contact us to start an investigation.

A mortgage payment deferral is a temporary pause on mortgage payments. Once the deferral ends, the principal and accumulated interest will still need to be repaid.

After your deferral, your regular mortgage payments will remain the same until the term is renewed or you make any other change to your payments (e.g. amount, payment date, or frequency). One of these changes might result in your payment being higher to ensure your mortgage is paid off within the amortization period that was agreed upon when your mortgage agreement was originally signed.

You can contact us to discuss changes or cancellation in a number of ways. Call our Contact Centre at 1-888-720-0075, speak to someone online with Click to Chat through EasyWeb, or talk to somebody in one of our branches. You can use our Branch Locator to find a location near you that's open. Remember that, with your health in mind, we've temporarily closed or reduced hours at some branches, and you may experience longer than usual call wait times.

Currently, the fastest and easiest way to renew your mortgage is through EasyWeb® Online Banking or the TD app—and you can get it done from the comfort of your own home.

You'll be able to review your current mortgage rate and terms and compare them against a range of other options we have for you.

It only takes a few simple steps:

• Log in to EasyWeb or the TD app, and click on your Mortgage account
• Click Renew Now to review your options and select one
• Review the Mortgage Renewal Agreement and accept the terms and conditions

You are able to make a lump sum payment but there may be a prepayment charge if it exceeds a certain amount. You can refer to your Mortgage Loan Agreement for more information. You can also call our Contact Centre at 1-888-720-0075, or speak to someone online with Click to Chat through EasyWeb to get details on your options.

If you deferred both principal and interest, when your deferral period ends your payments will begin again and be applied to the interest accrued during the deferral period first. Once all interest owed is repaid your payments will start going towards your principal (plus interest) again as normal. You can find the date your payments will resume along with additional cost of borrowing information in the Confirmation of the Changes to your TD Home Equity FlexLine/Home Equity Line of Credit that was mailed to you.

If you deferred your principal, when your deferral period ends your payments will begin again. You can find the date your payments will resume along with additional cost of borrowing information in the Confirmation of the Changes to your TD Home Equity FlexLine/Home Equity Line of Credit that was mailed to you.

We're also ready to help you with any questions you may have. Give us a call at our Contact Centre at 1-888-720-0075, click to Chat through Easy Web, or talk to somebody in branch. You can use our Branch Locator to find a branch near you that's open.

You can renew your TD Home Equity FlexLine by visiting your local branch or calling 1-800-450-7320. You can use our Branch Locator to find a branch near you that's open and book an appointment at an open branch with our Branch Appointment Booking Tool.

If you were approved for a COVID-19 payment deferral, we reported to the credit bureaus that the payments were "deferred". A deferred payment is not considered the same as a missed payment on credit bureaus or credit scores. We do not report a COVID-19 related "deferred payment" as a "missed payment".

Your credit score is calculated using a formula based on your credit report and reflects various factors. One of the factors that may affect your credit score includes the amount of your outstanding debts – which may increase as a result of a payment deferral.

For more information about credit reports and your credit score, you can visit the Financial Consumer Agency of Canada (FCAC) site, or contact the credit bureaus (also known as the credit reporting agencies), Equifax Canada and TransUnion Canada, directly.

You can request a deferral of your insurance premium charges through an online application.

Our call centre and branch staff are also able to assist you with this deferral request. Call our Contact Centre at 1-888-720-0075 or contact a branch.

You can request to defer your TD Credit Protection insurance premium charges for up to 6 months for a mortgage or TD Home Equity FlexLine, and up to 4 months for a personal line of credit or personal loan. At the end of the deferral period, you will have up to 12 months to repay deferred premium charges. The deferral period and repayment period cannot extend beyond your coverage end date. You can request a deferral of your insurance premium charges through the online application.

A separate request is required for each insured person and for each insured credit product account. Not all insured persons need to defer premiums on the same credit product for premium charges to be deferred for any one insured person.

Your coverage will not terminate during the deferral and repayment periods if your request to defer premium charges is approved. If you need to make a claim during either of these periods, just complete a claim through the usual process. However, please note that in the event of an approved claim, any deferred premiums owing at the time of claim will be deducted from the total amount of the claim benefit payment and/or required to be paid by you if the benefit amount doesn't cover the outstanding premiums.

If you would like to dispute a transaction on your account statement, simply complete and submit a transaction dispute request within the following timeframe:

• TD Credit Card: within 60 days of the credit card statement closing date
• TD Access Card: within 30 days of the date you have received notice of the transaction as per your account agreement

While we empathize with the situation, there are no dispute rights in play here since you are voluntarily choosing not to use the services and the voucher was offered as a courtesy.

You must first attempt to resolve the dispute with the merchant after the original expected date of receipt. Although we are asking for clients to be flexible, if the merchant fails to provide the service by the expected date, you may have dispute rights. Please contact us so we can start an investigation.

Because companies can take up to 15 business days to issue a refund, we cannot begin our investigation until that time has expired. If it has been at least 15 days since the refund was issued, please contact us so we may start an investigation.

You can also check your most recent transactions online through EasyWeb. If you have not set up an online banking profile you can do so by going to EasyWeb and clicking on the register online now button.

You must first attempt to resolve the dispute with the merchant after the expected date of receipt. Although we are asking for clients to be flexible, if the merchant fails to provide the merchandise by the expected date, you may have dispute rights. Please contact us so we can start an investigation.

You must first attempt to resolve the dispute with the merchant as some merchants have extended their return window during this time. Although we are asking for clients to be flexible, if the merchant fails to follow their cancellation/return/refund policies, please contact us so that we may start an investigation.

Please contact the merchant and attempt to resolve before contacting us. You are not required to accept an alternate date. If the dispute cannot be resolved with the merchant, we may be able to dispute the transaction.

While we empathize with the situation, unfortunately if the event is scheduled as planned and the merchant is willing and able to provide the service there would not be dispute rights for this situation under non-receipt. If you canceled the tickets, the merchant’s cancellation and/or refund policy would apply.

Note: If services/tickets were purchased through third-party resale sites, the refund policy of that third-party sale would apply—not the refund/cancellation policy of the original merchant.

Please contact the merchant and attempt to resolve before contacting us. As the gift card represents purchased services, and the merchant is now unable to provide the services, we may be able to dispute. Please contact us to start an investigation.

Please contact the merchant of record (such as grocery store) and attempt to resolve with them before contacting us. If you are unable to resolve with that merchant, please contact us to start an investigation.

Many airlines are offering to waive fees, change flights or possibly refund in-full. Please attempt to resolve this with the Airline, before contacting us. Merchants may be experiencing heavy call volumes. We are encouraging cardholders to please visit the merchant websites to resolve the matter. If you are unable to resolve and your date of travel has passed, please contact us and we will try to help.

Since the merchant is willing and able to provide the hotel stay, the merchant is entitled to be paid for one night’s accommodation. We encourage you to continue to work with them for a mutually agreeable outcome.

While we empathize with the situation, the cruise merchant is expecting to be paid as they are willing and able to provide the cruise. We encourage you to work with them for a solution. Many cruise lines are offering to waive fees to change bookings or possibly offer vouchers for alternate dates. However, if the cruise line was responsible arranging your flight - we might be able to assist. In this case, please contact us, so we may start an investigation.

As these charges are not disputable we are limited to the value of the transaction. We encourage you to continue to work with the merchant for a mutually agreeable solution. If your new travel arrangements are separate from your original booking, and after contacting the merchant you were unable to resolve the dispute, please contact us so we may start an investigation on the original booking.

While we appreciate your safety concerns, if the travel merchant is willing and able to provide the service then their cancellation and/or refund policy would apply. This would need to be handled separately for each aspect of your itinerary (e.g., airline, hotel and rental car agency).

Note: If services/tickets were purchased through third-party resale sites, the refund policy of that third-party sale would apply—not the refund/cancellation policy of the original merchant.

The Cardholder Agreement for your TD Credit Card contains important and useful information relating to specific Travel Insurance Policies. Please review your Cardholder Agreement online.

The following TD Credit Cards include Trip Cancellation coverage:

• TD® First Class Travel® Visa Infinite* Card
• TD® Aeroplan® Visa Infinite Privilege* Card
• TD® Aeroplan® Visa Infinite* Credit Card
• TD® Business Travel Visa* Credit Card

A customer may be eligible for coverage if they charged their trip (in full) to their TD Credit Card that offers Trip Cancellation Insurance, before an “Avoid all Travel” or “Avoid non-Essential Travel” travel advisory was issued by the Government of Canada for their destination. However, please note that each Trip Cancellation claim is evaluated on an individual basis.

An updated list of Travel Advisories can be accessed here.

More information about benefits, features, coverage and exclusions can be found in the Certificate of Insurance included in the Credit Cardholder Agreement. Cardholder Agreements for each product are below:

• TD® Aeroplan® Visa Infinite Privilege* Card
• TD® First Class Travel® Visa Infinite* Card
• TD® Aeroplan® Visa Infinite* Credit Card
• TD® Business Travel Visa* Card

For support with a current or past booking, contact the Expedia For TD call center at 1-877-222-6492. You will be asked to provide your itinerary number or phone number before speaking to an agent to confirm your travel dates. To assist the most urgent cases, please consider calling closer to your travel dates.

For upcoming travel cancellations, you may be able to submit an Online Cancellation Request. By completing the Online Cancellation Request Form, you give permission to Expedia For TD to contact the travel supplier and cancel your reservation. Please note that any refunds are subject to the policy of the airline or travel provider you are booked with. For more information on online cancellation, please check out Expedia For TD Customer Service Portal for COVID-19 Support.

For TD Aeroplan trip cancellations all of the miles will be returned to your account, and any fees you paid for your booking will be returned to your original method of payment. Simply log-in at Aeroplan and visit Manage your bookings.

If you want to change your Aeroplan Flight Reward to travel on a different date without cancelling the booking, you must call the Aeroplan Contact Centre at 1-800-361-5373. Please note that Aeroplan is experiencing a high volume of calls related to COVID-19. If you are not travelling within the next 3 days, please consider calling at a later time. For all other information around Air Canada route suspensions, please visit Air Canada COVID-19 Updates.

As these charges are not disputable we are limited to the value of the transaction. We encourage you to continue to work with the merchant for a mutually agreeable solution. If your new travel arrangements are separate from your original booking, and after contacting the merchant you were unable to resolve the dispute, please contact us so we may start an investigation on the original booking.

While we appreciate your safety concerns, if the travel merchant is willing and able to provide the service then their cancellation and/or refund policy would apply. This would need to be handled separately for each aspect of your itinerary (e.g., airline, hotel and rental car agency).

Note: If services/tickets were purchased through third-party resale sites, the refund policy of that third-party sale would apply—not the refund/cancellation policy of the original merchant.