About Accounts and Related Services

Transcript

1 TD Canada Trust About our accounts and related services Effective Date: October 21, 2018 TD offers a wide range of accounts with the convenience and flexibility to meet your needs. Whether it's digital, over the phone or in-person, with TD you choose when, where and how you would like to bank with us. Below and on the following pages, are details about the features of our accounts, the services available and applicable fees. TD Chequing Accounts TD Savings Accounts TD Wealth Private U.S. Dollar Accounts Banking Accounts TD Every Day TD Minimum U.S. Daily Interest Chequing Account Savings Account Chequing Account Chequing Account TD High Interest Savings Account Youth Account Borderless Plan Savings Account TD Student TD ePremium TD offers other foreign currency U.S. Dollar Account Chequing Account accounts. Please see page 5 for Savings Account more information. TD Every Day Chequing Account TD Unlimited Chequing Account TD All-Inclusive Banking Plan Access to your account when, where and how you choose Digital banking benefits to bank with us 24/7 access to EasyWeb Internet Banking and the · TD app. Enjoy the security of the TD Online and Mobile More convenience with longer branch hours at many of our branches. · Security Guarantee. 24/7 access through EasyWeb Internet Banking, TD EasyLine · Receive notification of suspicious account activity using · Telephone Banking and the TD app. TD Fraud Alerts. Access to over 4,000 TD ATMs across Canada and US. · Use your smartphone for in store purchases in Canada · using Apple Pay. Convenient banking services you can choose to use with Receive online account statements and access to your · your TD account account details. Use our personal expense management tool through the · Make purchases almost anywhere with a TD Access Card for your · TD MySpend app. Canadian dollar account. Deposit cheques using TD Mobile Deposit on your ® · e-Transfer Visa Direct or Interac Send money electronically using , · smartphone. wire payments. Pay bills online or using the TD app. · Have a cheque certified. · Obtain a bank draft. · Purchase foreign currencies. · General information about fees Monthly fees Transaction fee For some of our accounts, you pay a transaction For some of our accounts, you'll pay a monthly fee, no matter how much or how little fee for each transaction that takes money out of you use the account. However, for some of our accounts we will refund the fee if you your account. For these accounts, you can keep a set minimum balance in your account at the end of each day in the month. complete a set number of transactions where we Service fees will not charge you a transaction fee. After that, There are many optional banking services that you can choose to use with a TD you will pay a transaction fee. Some examples of account. Most services have a service fee that you pay in addition to any transaction transactions include withdrawals, cheques, bill fees that apply. Please see the TD Service Fee Schedule on page 6 for a list of the payments, purchases using your TD Access Card, services you may choose to use with your account and the applicable service fee. pre-authorized payments. Page 1 of 12 513796 (1018)

2 TD Chequing Accounts Digital, telephone and in-person banking services included with every TD Chequing Account: Deposit cheques using TD Mobile Deposit on your 24/7 access to EasyWeb Internet Banking and the TD app. · · Enjoy the security of the TD Online and Mobile Security smartphone. Receive online account statements and access to your account Guarantee. · Use your smartphone for in store purchases in Canada using details and images of the cheques you've written that have been · Apple Pay. cashed. Use our personal expense management tool through the Longer hours at many of our branches. · · TD MySpend app. Access to over 4,000 TD ATMs across Canada and US. · Monthly fees Number of transactions Account name No monthly fee if included per month and you maintain the transaction fees following balance at the end of each day of the month TD Minimum $2,000 12 transactions $3.95 Chequing Account But only 2 transactions a month can be ... Youth under the age of $0 done at a TD branch or with an majority in their province of residence EasyLine Telephone banking $0... Students enrolled full-time representative without paying a at a college or university transaction fee. Seniors (60 years or older) $0... $1.25 for each additional transaction collecting Guaranteed Income Supplement Beneficiaries of Registered $0... Disability Savings Plan Youth Account $0 Unlimited transactions N/A No transaction fees Minimum The Youth Account is only available to you until you turn 19. Once you turn 19, we will convert your Youth Account to a TD Chequing Account, TD Every Day Chequing Account or TD Unlimited Chequing Account. TD Student $0 25 transactions N/A Chequing Account $1.25 for each additional transaction TD Student Chequing Account is offered to customers enrolled in a full-time post-secondary program. Proof of enrollment is required. After your specified graduation date (unless you re-apply and provide proof of enrollment), we will convert your TD Student Chequing Account to a TD Minimum Chequing Account, TD Every Day Chequing Account, or TD Unlimited Chequing Account. TD Every Day $10.95 $3,000 25 transactions Chequing Account Seniors (60 years or older) ... $8.20 $1.25 for each additional transaction TD Unlimited $15.95 Unlimited transactions $4,000 Chequing Account ... Seniors (60 years or older) No transaction fees $11.95 TD All-Inclusive $5,000 $29.95 Unlimited transactions Banking Plan $22.45 No transaction fees Seniors (60 years or older) ... page 6. TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on Page 2 of 12 513796 (1018)

3 TD Savings Accounts Digital, telephone and in-person banking services included with every TD Savings Account: 24/7 access to EasyWeb Internet Banking and the TD app. Deposit cheques using TD Mobile Deposit on your · · smartphone. Enjoy the security of the TD Online and Mobile Security Guarantee. Receive online account statements and access to your account · Use your smartphone for in store purchases in Canada using details. · Apple Pay. Longer hours at many of our branches. · Use our personal expense management tool through the Access to over 4,000 TD ATMs across Canada and US. · · TD MySpend app. Account name Transaction fees No transaction fees if you maintain the following balance at the end of each day of the month TD Every Day Savings 1 transaction included per month N/A Account $3 for each additional transaction, but no transaction fees for transfers from this account to another of your TD Canadian dollar chequing or savings accounts in the same name other than ® transfers sent by cheque or using Interac e-Transfer TD High Interest Savings $5 for each transaction $25,000 Account TD ePremium Savings $5 for each transaction, but no transaction fees for transfers from N/A Account this account to another of your Canadian dollar chequing or savings accounts in the same name using EasyWeb Internet Banking or the TD app. TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6. Page 3 of 12 513796 (1018)

4 TD Wealth Private Banking Accounts For the Canadian Chequing and Savings Accounts, the following digital, telephone and in-person banking services are included: Deposit cheques using TD Mobile Deposit on your 24/7 access to EasyWeb Internet Banking and the TD app. · · smartphone. Enjoy the security of the TD Online and Mobile Security Guarantee. Receive online account statements and access to your account · Use your smartphone for in store purchases in Canada using details. · Apple Pay. Access to over 4,000 TD ATMs across Canada and US. · Use our personal expense management tool through the · TD MySpend app. Monthly fee Number of transactions included per Account name month and transaction fees Chequing Account $100 Unlimited transactions Savings Account For the monthly account fee, you can have up to No transaction fees three Private Banking Accounts - Chequing, U.S. Dollar Account Savings and US Dollar account per household. A household can include: primary member, spouse, children, holding companies & trusts. U.S. Dollar Accounts are not insured by Canada Deposit Insurance Corporation. TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6. U.S. Dollar Accounts Account name Monthly fees Transaction fees No monthly fee if you maintain the following balance at the end of each day of the month U.S. Daily Interest US$0 US$1.25 each N/A Chequing Account No transaction fees if you have US$1,500 or more in your account at the end of each day in the month Borderless Plan US$4.95 US$3,000 Unlimited transactions US$1.95 if customer also has a TD All-Inclusive Banking Plan throughout the entire month Banking via ATM machines and debit payment purchase is not available. U.S. Dollar accounts are not insured by Canada Deposit Insurance Corporation. TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6. Page 4 of 12 513796 (1018)

5 Other Foreign Currency Accounts Foreign Currency Account Monthly fees No monthly fee if you maintain the following balance at the end of each (currency of the Account) day of the month Australian Dollar (AUD) AU$500 AU$2.5 Great Britain Pound (GBP) £300 £1.5 Hong Kong Dollar (HKD) HK$15 HK$3,000 New Zealand Dollar (NZD) NZ$3 NZ$550 Euro (EUR) N/A EUR 1.75 Swiss Franc (CHF) CHF 2 N/A Japanese Yen (JPY) ¥250 N/A Unlimited transactions and no transaction fees. Banking via ATM machines, EasyWeb Internet Banking, and debit payment purchase is not available. Foreign currency accounts are not insured by Canada Deposit Insurance Corporation. TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6. Page 5 of 12 513796 (1018)

6 TD Service Fee Schedule Here is a list of all the services you can use with your account. You pay a service fee, in addition to any transaction fees and monthly fees that apply unless the services are included with your account. Some of these services may be available on your High Interest TFSA Savings Account and, if so, you pay the service fee. Fees and limits are in the currency of the account unless noted below. Fees Making purchases with your TD Access Card Purchases in Canadian dollars No service fees Purchases at merchants in Canada and with online stores that accept Canadian dollar payments. Purchases in a foreign currency if your TD Access Card has a Visa Debit logo 3.5% If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is of the Canadian dollar converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the transaction amount after conversion is posted to your account. of the foreign currency The amount withdrawn from your account will include a fee equal to 3.5% of the purchase amount after amount at the rate set by conversion to Canadian dollars. Visa International For example: For a USD $10 purchase, where the rate set by Visa International is 1.3 (USD $1.00 costs CAD $1.30) Amount after conversion = USD $10 x 1.3 = CAD $13.00 Fee = CAD $13.00 x 3.5% = CAD $0.46 (rounded up from $0.455) Total withdrawal amount = CAD $13.00 + CAD $0.46 = CAD $13.46 Visa Debit logo (NYCE) Purchases in a foreign currency if your TD Access Card does not have a 0.035 If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is converted to Canadian dollars at an exchange rate that is calculated by adding 0.035 to the rate set by is added to the exchange Interac Corp. in effect on the date the transaction is posted to your account. rate set by Interac Corp. For example: For a USD $10 purchase, where the rate set by Interac Corp. is 1.3 (USD $1.00 costs CAD $1.30) Exchange rate = 1.3 + 0.035 = 1.335 Total withdrawal amount = USD $10 x 1.335 = CAD $13.35 (includes the fee in the amount of CAD $0.35) ® e-Transfer Interac Fees Send Money Up to and including $100: $0.50 Over $100: $1.00 If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Every Day Chequing No service fees Account, and TD Student Chequing Account, or TD Wealth Private Banking Account: Request Money Up to and including $100: $0.50 Over $100: $1.00 If the request is accepted, the fee will be charged to the account the money is deposited into. If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Every Day Chequing No service fees Account, and TD Student Chequing Account, or TD Wealth Private Banking Account: Cancel a Send Money payment: $5.00 Visa Direct payments Fees Make a Direct payment within Canada: Visa $1.50 Make a Visa Direct payment internationally: Up to and including $1,000: $8.95 Over $1,000: $12.95 If you are sending money in a different currency from the currency of your account, you will be purchasing the other currency from us at the exchange rate we set when the payment is made. Fees and limits are in the currency of the account from which the money is sent. Page 6 of 12 513796 (1018)

7 Wire payment by visiting a branch Fees Send a wire payment to another TD Canada Trust account: $16.00 Fee is in the currency of the account from which funds are sent. Send a wire payment to a non-TD account within Canada or internationally: $10,000 or less: $30.00 $10,000.01 to $50,000: $50.00 Over $50,000: $80.00 If you are sending money in a different currency from the currency of your account, you will be purchasing the other currency from us at the exchange rate we set when the payment is made. Other banks involved in transferring the payment may charge additional fees. Fees are in Canadian dollars or the Canadian dollar equivalent in a foreign currency. Limits are in Canadian dollars or the Canadian dollar equivalent in a foreign currency. Receive a wire payment: $17.50 Fee is in Canadian dollars if funds received are Canadian dollars or a foreign currency other than U.S. dollars. Fee is in U.S. dollars if funds received are U.S. dollars. If the funds received are in a different currency from the currency of your account, we will be purchasing the other currency from you at the exchange rate we set when the funds are received. Fees Making a cash withdrawal at a non-TD ATM In addition to our fees below, most ATM providers charge a fee to use their ATM - the fee is added to the amount you withdraw each time you take money out of your account. At non-TD ATMs within Canada: $2.00 If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Wealth Private Banking No service fees Account, or if you have $25,000 or more in your TD High Interest Savings Account at the end of each day in the month: At non-TD ATMs in USA or Mexico: $3.00 At non-TD ATMs in any other foreign country: $5.00 If you have a TD All-Inclusive Banking Plan, or TD Wealth Private Banking Account: No service fees In addition to the fees above, if you make a foreign currency withdrawal at an ATM outside Canada with your 3.5% TD Access Card, the amount of of the Canadian dollar · the foreign currency funds received at the ATM, and amount after conversion any fee charged by the ATM provider · of the foreign currency is converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the amount at the rate set by transaction is posted to your account. The amount withdrawn from your account will include a fee equal to Visa International 3.5% of the amount of the foreign currency funds received at the ATM plus any fee charged by the ATM provider after conversion to Canadian dollars. For example: For a USD $10 cash withdrawal at an ATM in the United States, where the rate set by Visa International is 1.3 (USD $1.00 costs CAD $1.30): Amount received at ATM = USD $10 US ATM provider fee = USD $2 Amount after conversion = USD $12 x 1.3 = CAD $15.60 Fee = CAD $15.60 x 3.5% = CAD $0.55 Total withdrawal amount = CAD $15.60 + CAD $0.55 = CAD $16.15 If this withdrawal example occurred at a non-TD ATM in the United States, the $3 non-TD ATM fee described above would also be withdrawn from your account. Page 7 of 12 513796 (1018)

8 Overdraft protection Fees $4.00 a month If you have Overdraft Protection plus interest at 21% a year on the amount you're in overdraft If you have Pay As You Go Overdraft Protection $5.00 for each eligible overdraft transaction (maximum of $5.00 a day regardless of number of overdraft transactions) plus interest at 21% a year on the amount you're in overdraft Non-sufficient funds Fees $48.00 If you have overdraft protection but you issue a cheque or make a if TD does not approve the cheque or payment payment over the amount of funds in your account plus your overdraft protection limit. $5.00 plus interest at 21% a year on the amount you're in overdraft if the cheque or payment is paid $48.00 If you do not have overdraft protection and you issue a cheque or make a if TD does not approve the cheque or payment payment without sufficient funds in your account. $5.00 plus interest at 21% a year on the amount you're in overdraft if TD chooses to approve the cheque or payment Paying bills Fees Paying a Canadian bill in a TD branch, through EasyWeb Internet banking, through TD EasyLine Telephone No service fees Banking or the TD app, with a transfer from your account. $1.00 Paying a Canadian bill in a TD branch with a cheque or cash Safety deposit boxes Annual rental Fees Safety deposit box services fee $50.00 Replacement key $60.00 Small $100.00 Medium Drilling and replacement lock $200.00 Billing fee notice, if account is not $150.00 Large $5.00 paid automatically Oversize $5.00 per sq. inch Late payment $5.00 Visit your branch to see what sizes are available. Fees subject to applicable taxes. Page 8 of 12 513796 (1018)

9 Other service options Fees Paper account statements mailed to you: $2.00 per month If you have a TD Minimum Chequing Account, TD All-Inclusive Banking Plan, Youth Account, or No service fees TD Wealth Private Banking Account: If you have a TD High Interest Savings Account and you have $25,000 or more in your account at the end No service fees of each day in the month: See images of cheques cashed with your paper or online statement (Cheque Image Return): $2.00 per month If you have a TD All-Inclusive Banking Plan or applicable TD Wealth Private Banking Plan: No service fees Option is available for Canadian dollar Chequing Accounts with online account statements and paper account statement record keeping options only. You can also view your cashed cheques for free using view cheque service through EasyWeb Ask a TD branch to certify (guarantee) a cheque: When requested by the holder of the account from which the funds will be withdrawn: $10.00 When requested by the person other than the holder of the account from which the funds will be $15.00 withdrawn: Deposit a cheque from a bank located outside of Canada sent on collection: 0.2% of the cheque amount, after Other bank fees may also apply. Fee is in Canadian dollars. being converted to Canadian dollars - minimum $30, maximum $150 Provide a post-dated cheque to a branch for deposit: $5.00 Obtain a bank draft (also known as a money order or cashier's cheque) from a TD branch: $7.50 If the draft is in a different currency from the currency of your account, you will be purchasing the other currency from us at the exchange rate we set when the draft is purchased. Fee is in Canadian dollars. Request a refund or replacement for a lost or stolen Canadian or U.S. dollar bank draft: $10.00 Request a refund or replacement for a lost or stolen bank draft in any other currency: $22.00 You may be required to buy a surety bond or pledge assets as security for the refund or replacement draft. Other bank fees may also apply. Stop your payment on a cheque or pre-authorized debit payment: $12.50 Cheque Not Written in Currency of Account: $20.00 Fee is in the currency of the account from which funds are drawn. Redeposit a Canadian dollar or U.S. dollar cheque that was previously returned because of $30.00 insufficient funds: Other bank fees may also apply. Fee is in Canadian dollars. Request a copy of a statement or transaction that is more than 90 days old: $15.00/item Page 9 of 12 513796 (1018)

10 Other service options (continued) Fees Ask TD to investigate a wire payment: $25.00 Other bank fees may apply Close your account and transfer the balance to another financial institution: $15.00 Returned foreign deposits: $15.00 If the cheque you deposited is in a different currency from the currency of your account, we will be purchasing the other currency from you at the exchange rate we set when the deposit is returned. Registered plan fees Fees TD Canada Trust Retirement Savings Plan (RSP): Withdrawal Fee: · For plans open 180 days or less: $100.00 per withdrawal $50.00 per withdrawal · For plans open more than 180 days: Fee subject to applicable taxes. Withdrawal Fee does not apply to a withdrawal under the RSP Home Buyers' Plan or the Lifelong Learning Plan. Transfer Fee: · For a transfer of the Plan to another financial institution: $75.00 per transfer Fee subject to applicable taxes. Transfer Fee does not apply to transfers between investment options within the RSP or to another TD registered plan. TD Canada Trust Tax-Free Savings Account (TFSA): Transfer Fee: · For a transfer of the TFSA to another financial institution: $75.00 per transfer Fee subject to applicable taxes. Transfer Fee does not apply to transfers between investment options within the TFSA or to another TD TFSA. Banking services (for people without a TD account) Service Fees Cash a cheque being paid from a TD account $5.00 Cash a cheque from the Federal Government $0 Use a TD ATM $3.00 Ask TD to certify (guarantee) a cheque $15.00 Page 10 of 12 513796 (1018)

11 Cheque hold periods Here's how long it may take for you to get access to your funds after you deposit a Type of deposit cheque (maximum hold period): Cheques deposited at any 5 business days Accounts opened for less than 90 days: TD branch Accounts opened for more than 90 days: · Cheques up to and equal to $1,500: 4 business days 5 business days Cheques greater than $1,500: · Cheques deposited in any other Accounts opened for less than 90 days: 6 business days way (ATM, Mobile) Accounts opened for more than 90 days: · Cheques up to and equal to $1,500: 5 business days Cheques greater than $1,500: 6 business days · Cheques in foreign currency or Cheques issued in U.S. dollars drawn on a Canadian financial institution deposited at 5 business days drawn on a foreign financial any TD branch: institution 6 business days Cheques issued in U.S. dollars drawn on a Canadian financial institution deposited any other way (ATM, Mobile): Cheques drawn on a U.S financial institution: 15 days 30 days Cheques drawn on a financial institution located outside Canada or the U.S.: A business day means Monday to Friday unless one of those days is a statutory holiday. We may make the maximum hold period longer if: (a) we have reasonable grounds to believe there may be illegal or fraudulent activity in relation to the account; (b) if the date on the cheque is more than 6 months prior to the day you deposit it to your account; or (c) if a cheque was drawn on a foreign financial institution and payment for the cheque has not been received by us from the foreign financial institution within the initial maximum hold period. When we give you access to your funds after the hold period, it does not mean that the cheque cannot be returned for another reason. If it is returned, we may collect the amount of the cheque from your account. The above information is only part of our Hold Funds policy for withdrawing deposits to your account. For full details, please see our Hold Funds Policy at www.tdcanadatrust.com. Passbook service (only applicable to customers currently with a passbook) Account Name Monthly Fees TD All-Inclusive Banking Plan $0 each Youth Account TD Wealth Private Banking Account TD Minimum Chequing Account $2.25 TD Every Day Chequing Account No fee for TD High Interest Savings Account if you have $25,000 or more in your account at the end of each day in the month. TD Student Chequing Account TD Unlimited Chequing Account TD Every Day Savings Account TD High Interest Savings Account U.S. Daily Interest Chequing Account US$2.25 Borderless Plan Page 11 of 12 513796 (1018)

12 Accounts no longer offered This information is for customers who currently have the accounts listed below. They are not available for new account openings. Monthly fee Number of transactions included per Recordkeeping fees Account name month and transaction fees Value Account $3.95 $2.25/month... Passbook 10 transactions No monthly fee if you $0... Paper Statements $1.25 for each additional transaction $0... have $2,000 or more in Online Statements your account at the end $0... Paperless of each day in the month. $2.00/month... Cheque Image Return Plan 60 Unlimited transactions $0... $0 Passbook $0... Paper Statements No transaction fees $0... Online Statements $0... Paperless $0... Cheque Image Return Preferred Chequing $1.25 for each transaction $2.25/month... Passbook $0 Account $2.00/month... Paper Statements No transaction fees if you have $2,000 or more $0... Online Statements in your account at the end of each day in the $0... Paperless month. $2.00/month... Cheque Image Return Tier Savings Account $0 $2.25/month... Passbook 2 transactions Paper Statements $2.00/month... Companion Savings $1.75 for each additional transaction $0... Online Statements Account $0... Paperless No transaction fees if you have $25,000 or TD Premium Bonus more in your account at the end of each day in Account the month TD Premium Savings Bill payments & transfers set up on a bill Account payment profile... $1.25 each (transaction fee will also apply if you've already made 2 transactions in the month) Debit payment purchase ... $1.25 each (transaction fee will also apply if you've already made 2 transactions in the month) Passbook service available only to customers currently using this service. Cheque Image Return is only available for the Chequing Accounts listed above with online and paper statements. TD offers a number of additional services you can choose to use with your account. Please see the TD Service Fee Schedule on page 6. For more information, visit tdcanadatrust.com or Visit your nearest TD Canada Trust branch or Call us at 1-866-222-3456 Account Issuers: Chequing, Youth, TD Wealth Private Banking, and U.S. Dollar Accounts offered by The Toronto-Dominion Bank. Savings Accounts offered by TD Mortgage Corporation, except in British Columbia or Yukon, which are offered by TD Pacific Mortgage Corporation. All Savings Accounts are guaranteed by The Toronto-Dominion Bank. Any accounts opened at Canada Trust prior to conversion to TD Canada Trust are issued by The Canada Trust Company. To compare bank account options, access the FCAC Account Selector Tool at www.fcac-acfc.gc.ca/Eng/resources/toolsCalculators/Pages/BankingT-OutilsIn.aspx. ® The TD logo and other TD trade-marks are the property of The Toronto-Dominion Bank. All other trademarks are the property of their respective owners. Page 12 of 12 513796 (1018)

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