GM Programs > The GM Visa Card

Let The GM Card Be Your Wallet's Top Performer.

The GM Card is much more than just a no annual fee credit card. Not only does it offer you all of the convenience and purchasing power of a Visa* card in over 160 countries worldwide, it also enables you to accumulate valuable Earnings † toward any eligible new GM vehicle †1 , plus a host of other benefits ††.

Great Card
Use The GM Card for your eligible everyday purchases † and you earn 3% of the purchase price in GM Card Earnings. The more you use it, the more you earn. And the sooner you're behind the wheel of an eligible new GM vehicle... for a lot less than you ever thought possible.

Great Reward
Even better, The GM Card sets absolutely no limit on how many Earnings you can accumulate over the course of a year . And when you're ready to buy or lease a GM vehicle, you can apply up to $3,500 in GM Card Earnings , subject to vehicle redemption allowances, towards the Total Purchase Price or lease down payment on any eligible new GM vehicle - depending on the specific vehicle you choose.

Stack It Up
Not only can you use your GM Card Earnings †1 towards your eligible new GM vehicle purchase or lease, you can also take advantage of any other bonuses, promotions or offers by combining them with your Earnings †1 There's no better way to get a great deal on your next new vehicle! Check out the current offers in your area .

* Visa International Service Association/Used under license.

® Registered Trademark of General Motors Corporation/Used under license.

† You accumulate 3% in GM Card Earnings on eligible GM Card purchases, with no annual limit on the amount of Earnings that can be accumulated. GM Card Earnings are not accumulated on fees, interest charges, optional services, Cash Advances (including Balance Transfers or Twin Cheques) rebates, refunds or other similar credits. Earnings may be used in addition to other offers General Motors of Canada Limited ("GMCL") may provide at the time of purchase. Earnings on your GM Card are subject to the Program Rules which are supplied to all new Cardholders with their GM Card. General Motors of Canada Limited reserves the right to change The GM Card Program Rules, restrictions or benefits with or without notice.

†1 Subject to Vehicle Redemption Allowances. There is a limit ("Redemption Allowance") on the amount of GM Card Earnings that may be applied at time of redemption. The Redemption Allowance is the maximum amount of GM Card Earnings that can be applied toward the Total Purchase Price or lease down payment of any new eligible General Motors vehicle. Fleet sales and commercial leases are excluded. Redemption Allowances vary up to $3500 depending upon the model year and brand of car or truck being purchased or leased. For complete program details, including current Redemption Allowances and other applicable restrictions for all eligible GM vehicles, see your General Motors Dealer or Saturn/Saab Retailer, or, call The GM Card Customer Centre at 1-800-461-3279 (416) 982-3279 in Toronto. Unused GM Card Earnings expire after seven years from the date they were earned.

†† All benefits, features and coverages are current as of May 1, 2007, and are subject to conditions, exclusions, limitations, changes and cancellation. Some benefits and coverages are only offered to the Primary Cardholder. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of benefits, features and coverages provided by third party service providers. Any disputes must be settled directly with the service provider.

All This And So Much More.

The GM Card has all the benefits †† of a TD VISA * card including acceptance in over 160 countries, 24-hour access to instant cash at most ABMs, 24-hour access to your GM Card account and account information, and cash advances 1 . In addition to getting 3% on eligible purchases, no limit on yearly Earnings † and being able to combine your Earnings, (subject to Vehicle Redemption Allowances), with other GM promotions, The GM Card also gives you...

Any Branch Banking
Cheque Cashing Privileges
Pre-authorized Payment Service
Guaranteed Hotel Reservations
Emergency Assistance from the Visa International Service Centre
Up to $150,000 Common Carrier Travel Accident Insurance. 2
Budget Rent A Car Preferred Rates
Flexible payment options
Free Authorized User Cards
Free TD Twin Cheques® ( also TD VISA Cheques 1 )

Any Branch Banking
Simply present your GM Card at TD Canada Trust branches in Canada to access your TD Canada Trust accounts or receive cash advances 1 up to your available credit limit. Visit your TD Canada Trust branch to receive a PIN to access your GM Card Account through Green Machine ◊ ABMs or other ABMs.

Cheque Cashing Privileges
With your GM Card, TD Canada Trust branches will cash almost any cheque drawn on a Canadian financial institution that's payable to you — up to your available credit limit, to a maximum of $2,000 a day — whether you have a TD Canada Trust account or not.

Pre-authorized Payment Service
For added convenience, you can have your GM Card payments automatically withdrawn from your bank account at any Canadian financial institution. Simply choose to have your minimum monthly payment or the full balance withdrawn from a personal chequing or savings account on the due date. For more information or to enroll, call 1-800-461-3279 , visit www.tdcanadatrust.com/tdvisa/ or your TD Canada Trust branch.

Guaranteed Hotel Reservations
When you charge hotel accommodations to your GM Card, you can request a guaranteed reservation. This assures that the room you asked for — or a comparable substitute — will be held, even if you arrive late, until checkout time the following day. Please note that cancellation fees may apply.

Emergency Assistance from the Visa * International Service Centre
Visa Service Centre representatives are ready to help 24 hours a day, seven days a week, anywhere in the world.

• Emergency Card Replacement — report your lost or stolen Card immediately and the Visa * International Service Centre will do its best to get a replacement Card to you wherever you are.
• Emergency Cash Advance — you can ask for an emergency cash advance 1 up to $500 (subject to your available credit limit).
• Message Service — in the event of a personal emergency while travelling, messages can be forwarded to family members at home.
• Information — the Visa * Service Centre can provide you with the location of the nearest Visa * member office where you can receive cash advances 1 , as well as the locations of embassies and consulates.

Fees apply to each cash advance transaction.

Up to $150,000 Common Carrier Travel Accident Insurance 2 .
You, your spouse and dependent children are automatically insured for up to $150,000 while travelling on a common carrier. Simply charge the full cost of your ticket to your GM Card.

Budget Rent A Car Preferred Rates
You'll receive a preferred rate on car rentals from participating Budget locations across Canada, the U.S. and other international locations when the rental is charged in full to your Card 3 . Call the Budget International Reservation Centre toll-free at 1-800-268-8900 and be sure to quote The GM Card Budget Discount Number "BCD#A331700".

Flexible payment options.
Pay your GM Card Account balance in full each month before the due date and pay no interest charges on your purchases. Or make your minimum payment each month and spread your payments over time. The choice is yours.

Free Authorized User Cards
Enjoy even more convenience with free Cards for Authorized Users. The GM Card is all about getting you closer and closer to your new GM vehicle. And now, you can share many of The GM Card benefits †† when you get an Authorized User Card for a family member or close friend. 4 You can request a maximum of three Authorized User Cards at no additional charge. Request your Authorized User Card(s) today. Simply call 1-800-461-3279. Earnings† on eligible purchases charged to User Cards are included in your Total Earnings† accumulated on your GM Card Account.

Free TD Twin Cheques◊ (The TD Visa Cheques)
As a GM Cardholder, you will be sent TD Visa Cheques 1 at no additional cost. Use them just like personal cheques to charge purchases to your GM Card Account wherever credit cards are not accepted as a method of payment.

◊ TM of The Toronto-Dominion Bank.

* Visa International Service Association/Used under license

® Registered Trademark of General Motors Corporation./Used under license.

† You accumulate 3% in GM Card Earnings on eligible GM Card purchases, with no annual limit on the amount of Earnings that can be accumulated. GM Card Earnings are not accumulated on fees, interest charges, optional services, Cash Advances (including Balance Transfers or Twin Cheques) rebates, refunds or other similar credits. Earnings may be used in addition to other offers General Motors of Canada Limited ("GMCL") may provide at the time of purchase. Earnings on your GM Card are subject to the Program Rules which are supplied to all new Cardholders with their GM Card. General Motors of Canada Limited reserves the right to change The GM Card Program Rules, restrictions or benefits with or without notice.

†† All benefits, features and coverages are current as of May 1, 2007, and are subject to conditions, exclusions, limitations, changes and cancellation. Some benefits and coverages are only offered to the Primary Cardholder. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of benefits, features and coverages provided by third party service providers. Any disputes must be settled directly with the service provider.

1 We always charge interest on Cash Advances (including Balance Transfers, Cash-Like Transaction and TD Visa Cheques) from and including the day the Cash Advance is posted to your account until the amount of the Cash Advance is paid in full. Fees apply to each cash advance transaction including Balance Transfers and Twin Cheques. For details, please see the Disclosure Statement on the form your new Card was attached to. GM Card Earnings are not accumulated on cash advances (including Balance Transfer Cheques or Twin Cheques)

2 Underwritten by Chubb Insurance Company of Canada. Details of this benefit, including terms, conditions, limitations and exclusions are outlined in the Coverage Certificate provided with your Visa Card.

3 Provided in Canada by Budget Rent a Car Inc. Some conditions and restrictions may apply.

4 Primary Cardholder is responsible for all charges to the Account.