About our accounts and related services

TD Canada Trust

Effective Date: May 24, 2022

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 Minimum

Chequing Account

TD Every Day

Savings Account

Chequing Account

U.S. Daily Interest

Chequing Account

TD Student

Chequing Account

TD High Interest

Savings Account

Savings Account Borderless Plan

TD Every Day

Chequing Account

TD ePremium

Savings Account

U.S. Dollar Account

TD offers other foreign currency

accounts. Please see page 5 for

more information.

TD Unlimited

Chequing Account

TD All-Inclusive

Banking Plan

Access to your account when, where and how you choose

to bank with us

More convenience with longer branch hours at many of our branches.

24/7 access through EasyWeb Internet Banking, TD EasyLine

Telephone Banking and the TD app.

Access to over 4,000 TD ATMs across Canada and US.

Convenient banking services you can choose to use with

your TD account

Digital banking benefits

24/7 access to EasyWeb Internet Banking and the

TD app. Enjoy the security of the TD Online and Mobile

Security Guarantee.

Receive notification of suspicious account activity using

TD Fraud Alerts.

Use your smartphone for in-store purchases in Canada

using mobile wallet apps, such as Apple Pay.

Receive online account statements and access to your

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

Send money electronically using Interac e-Transfer

, TD Global

smartphone.

Transfer

or 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

For some of our accounts, you'll pay a monthly fee, no matter how much or how little

you use the account. However, for some of our accounts we will refund the fee if you

keep a set minimum balance in your account at the end of each day in the month.

Service fees

There are many optional banking services that you can choose to use with a TD

account. Most services have a service fee that you pay in addition to any transaction

fees that apply. Please see the TD Service Fee Schedule on page 6 for a list of the

services you may choose to use with your account and the applicable service fee.

Transaction fee

For some of our accounts, you pay a transaction

fee for each transaction that takes money out of

your account. For these accounts, you can

complete a set number of transactions where we

will not charge you a transaction fee. After that,

you will pay a transaction fee. Some examples of

transactions include withdrawals, cheques, bill

payments, purchases using your TD Access Card,

pre-authorized payments.

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TD Chequing Accounts

Digital, telephone and in-person banking services included with every TD Chequing Account:

24/7 access to EasyWeb Internet Banking and the TD app.

Deposit cheques using TD Mobile Deposit on your

Enjoy the security of the TD Online and Mobile Security smartphone.

Guarantee.

Receive online account statements and access to your account

Use your smartphone for in-store purchases in Canada using details and images of the cheques you've written that have been

mobile wallet apps, such as 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.

Account name Monthly fees Number of transactions

included per month and

transaction fees

No monthly fee if

you maintain the

following balance

at the end of each

day of the month

TD Minimum

Chequing Account

$3.95

$0...................... Seniors (60 years or older)

collecting Guaranteed Income Supplement

$0...................... Beneficiaries of Registered

Disability Savings Plan

12 transactions

But only 2 transactions a month can be

done at a TD branch or with an

EasyLine Telephone banking

representative without paying a

transaction fee.

$1.25 for each additional transaction

N/A

TD Student

Chequing Account

$0 Unlimited transactions

No transaction fees

N/A

The TD Student Chequing Account is available to you until you turn age 23. You can continue to keep your account at or after age 23 with

proof of enrollment in full-time post-secondary education. At age 23 or 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

Chequing Account

$10.95

$8.20................. Seniors (60 years or older)

25 transactions

$1.25 for each additional transaction

$3,000

TD Unlimited

Chequing Account

$16.95

$11.95............... Seniors (60 years or older)

Unlimited transactions

No transaction fees

$4,000

TD All-Inclusive

Banking Plan

$29.95

$22.45............... Seniors (60 years or older)

Unlimited transactions

No transaction fees

$5,000

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.

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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.

Enjoy the security of the TD Online and Mobile Security

Guarantee.

Use your smartphone for in-store purchases in Canada using

mobile wallet apps, such as Apple Pay.

Use our personal expense management tool through the

TD MySpend app.

Deposit cheques using TD Mobile Deposit on your

smartphone.

Receive online account statements and access to your account

details.

Longer hours at many of our branches.

Access to o

ver 4,000 TD ATMs across Canada and US.

Account na

me Transaction fees No transaction fees if you

maintain the following balance

at the end of each day of the

month

TD Every Day Savings

Account

1 transaction included per month

$3 for each additional transaction

No transaction fees for transfers or pre-authorized transfer

services from this account to another TD chequing or savings

account, except for transfers by cheque or through Interac

e-Transfer

N/A

TD High Interest Savings

Account

$5 for each transaction $25,000

TD ePremium Savings

Account

$5 for each transaction

No transaction fees for transfers from this account to another TD

chequing or savings account when using EasyWeb Internet

Banking or the TD app, except for transfers by cheque or

through Interac e-Transfer

No transaction fees for pre-authorized transfer services from this

account to another TD chequing or savings account.

N/A

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.

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TD Wealth Private Banking Accounts

For the Canadian Chequing and Savings Accounts, the following digital, telephone and in-person banking services are included:

24/7 access to EasyWeb Internet Banking and the TD app.

Enjoy the security of the TD Online and Mobile Security

Guarantee.

Use your smartphone for in-store purchases in Canada using

mobile wallet apps, such as Apple Pay.

Use our personal expense management tool through the

TD MySpend app.

Deposit cheques using TD Mobile Deposit on your

smartphone.

Receive online account statements and access to your account

details.

Access to over 4,000 TD ATMs across Canada and US.

Account name Monthly fee Number of transactions included per

month and transaction fees

Chequing Account

Savings Account

U.S. Dollar Account

$100

For the monthly account fee, you can have up to

three Private Banking Accounts - Chequing,

Savings and US Dollar account per household. A

household can include: primary member, spouse,

children, holding companies & trusts.

Unlimited transactions

No transaction fees

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

Chequing Account

US$0 US$1.25 each

No transaction fees if you have

US$1,500 or more in your account at

the end of each day in the month

N/A

Borderless Plan

US$4.95

US$1.95 if customer also has a

TD All-Inclusive Banking Plan

throughout the entire month

Unlimited transactions US$3,000

Banking via ATM machines and debit payment purchase is not available.

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.

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Other Foreign Currency Accounts

Foreign Currency Account

(currency of the Account)

Monthly fees No monthly fee if you maintain the

following balance at the end of each

day of the month

Australian Dollar (AUD)

AU$2.5 AU$500

Great Britain Pound (GBP)

£1.5 £300

Hong Kong Dollar (HKD)

HK$15 HK$3,000

New Zealand Dollar (NZD)

NZ$3 NZ$550

Euro (EUR)

EUR 1.75 N/A

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, the TD app, and debit payment purchase is not available.

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.

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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.

Making purchases with your TD Access Card Fees

Purchases in Canadian dollars

Purchases at merchants in Canada and with online stores that accept Canadian dollar payments.

No service fees

Purchases in a foreign currency if your TD Access Card has a Visa Debit logo

If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is

converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the transaction

is posted to your account.

The amount posted to your account will include a fee equal to 3.5% of the purchase amount after conversion to

Canadian dollars.

For example:

For a US $10 purchase, where the rate set by Visa International is 1.3 (US $1.00 costs CA $1.30)

Amount after conversion = US $10 x 1.3 = CA $13.00

Fee = CA $13.00 x 3.5% = CA $0.46 (rounded up from $0.455)

Total withdrawal amount = CA $13.00 + CA $0.46 = CA $13.46

3.5%

of the Canadian dollar

amount after conversion

of the foreign currency

amount at the rate set by

Visa International

Purchases in a foreign currency if your TD Access Card does not have a Visa Debit logo (NYCE)

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

Interac Corp. in effect on the date the transaction is posted to your account.

For example:

For a US $10 purchase, where the rate set by Interac Corp. is 1.3 (US $1.00 costs CA $1.30)

Exchange rate = 1.3 + 0.035 = 1.335

Total withdrawal amount = US $10 x 1.335 = CA $13.35 (includes the fee in the amount of CA $0.35)

0.035

is added to the exchange

rate set by Interac Corp.

Pre-authorized payments

If you have a pre-authorized payment (PAP) with a merchant and your Card number or Card expiry date

changes, you agree that we may, but we are not required to, provide that merchant with your new Card number

or Card expiry date including by using the updating service provided to us through your Card's payment card

network. We are not responsible if any PAPs cannot be posted to the Account. You must settle any dispute or

liability you may have for the transactions relating to those PAPs directly with the merchant involved.

If you do not want your new Card number or Card expiry date to be included in the updating service provided

by your Card's payment card network, and wish to opt-out of this service, you may do so by contacting us at

1-866-222-3456.

No service fees

Interac e-Transfer

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

Account, TD Student Chequing Account or TD Wealth Private Banking Account:

No service fees

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

Account, TD Student Chequing Account or TD Wealth Private Banking Account:

No service fees

Cancel a Send Money payment:

$5.00

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TD Global Transfer (via EasyWeb Internet Banking and the TD app) Fees

When you use a TD service in TD Global Transfer to send funds we charge you a transfer fee. The exact

amount of the transfer fee is displayed to you prior to fulfilling each transaction so you can review it and

consent or decline the transaction.

If you are sending funds in a different currency from the currency of your account, you will be purchasing this

other currency from us at the exchange rate we set.

Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the

money may charge additional fees to the recipient of the funds.

TD transfer fees

Up to $25 per transfer. The

transfer fee amount is

dynamic and will vary

depending on several

factors including the TD

service that is selected, the

amount being sent, the

recipient country and the

currency of the account

funding the transaction.

When you use a third-party service in TD Global Transfer to send funds, the exact amount of the third-party

transfer fee is displayed to you prior to fulfilling each transaction so you can review it and consent or decline

the transaction.

No TD tran

sfer fees

Third party fees

apply

and depend on vendor's

prevailing charges.

Wire payment by visiting a branch Fees

Send a wire payment to another TD Canada Trust account:

Fee is in the currency of the account from which funds are sent.

$16.00

Send a wire payment to a non-TD Canada Trust account within Canada or internationally:

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.

$50.00

Receive a wire payment:

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.

$17.50

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.

Fees

At non-TD ATMs within Canada:

If you have a TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Wealth Private Banking

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:

$2.00

No service fees

At non-TD ATMs in USA or Mexico:

At non-TD ATMs in any other foreign country:

If you have a TD All-Inclusive Banking Plan, or TD Wealth Private Banking Account:

In addition to the fees above, if you make a foreign currency withdrawal at an ATM outside Canada with your

TD Access Card, the amount of

· the foreign currency funds received at the ATM, and

· any fee charged by the ATM provider

is converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the

transaction is posted to your account. The amount withdrawn from your account will include a fee equal to

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 US $10 cash withdrawal at an ATM in the United States, where the rate set by Visa International is 1.3

(US $1.00 costs CA $1.30):

Amount received at ATM = US $10

US ATM provider fee = US $2

Amount after conversion = US $12 x 1.3 = CA $15.60

Fee = CA $15.60 x 3.5% = CA $0.55

Total withdrawal amount = CA $15.60 + CA $0.55 = CA $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.

$3.00

$5.00

No service fees

3.5%

of the Canadian dollar

amount after conversion

of the foreign currency

amount at the rate set by

Visa International

Overdraft protection service Fees

If you have Monthly Plan Overdraft Protection on a:

TD Every Day Chequing Account, TD Unlimited Chequing Account or

TD All-Inclusive Banking Plan

$5.00 a month

plus interest at 21% a year on the amount you're in overdraft

Plan 60 or Preferred Chequing Account $4.00 a month

plus interest at 21% a year on the amount you're in overdraft

TD Student Chequing Account, U.S. Daily Interest Chequing Account or

Borderless Plan

$0.00 a month

plus interest at 21% a year on the amount you're in overdraft

TD Minimum Chequing Account $5.00 a month

plus interest at 21% a year on the amount you're in overdraft

$0.00 a month

plus interest of 21% a year on the amount you're in overdraft, as

long as the monthly chequing account fee on the TD Minimum

Chequing Account is $0 because the account has a Seniors or

Registered Disability Savings Plan chequing account fee rebate

If you have Pay As You Go Overdraft Protection

Not available on Quebec accounts

$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

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Non-sufficient funds Fees

If you have overdraft protection service but you issue a cheque or make a

payment over the amount of funds in your account plus your Overdraft

Limit.

$48.00

if TD does not approve the cheque or payment

$5.00

plu

s interest at 21% a year on the amount you're in overdraft if

the cheque or payment is paid. For Quebec accounts, you pay

interest at 21% a year on the amount you're in overdraft but not

the $5.00 fee if the cheque or payment is paid

If you do n

ot have overdraft protection service and you issue a cheque or

make a payment without sufficient funds in your account.

$48.00

if TD does not approve the cheque or payment

$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

Banking or the TD app, with a transfer from your account.

No service fees

Paying a Canadian bill in a TD branch with a cheque or cash $1.00

Safety deposit boxes Annual rental

fee

Small $60.00

Medium $100.00

Large $150.00

Oversize $5.00 per sq. inch

Safety deposit box services Fees

Replacement key $50.00

Drilling and replacement lock $200.00

Billing fee notice, if account is not

paid automatically

$5.00

Late payment $5.00

Visit your branch to see what sizes are available. Fees subject to applicable taxes.

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Other service options Fees

Paper account statements mailed to you:

$2.00 per month

If you hav

e a TD Minimum Chequing Account, TD All-Inclusive Banking Plan, TD Student Chequing

Account, or TD Wealth Private Banking Account:

No servic

e fees

If you hav

e a TD High Interest Savings Account and you have $25,000 or more in your account at the end

of each day in the month:

No servic

e fees

If you have overdraft protection service:

No service fees

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:

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

No service fees

Ask a TD br

anch to certify (guarantee) a cheque:

When requ

ested 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

withdrawn:

$15.00

Obtain a bank draft from a TD branch:

$9.95

If you have a TD All-Inclusive Banking Plan or TD Wealth Private Banking Account:

No service fee

If you have a Borderless Plan:

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.

No service fee on US dollar

drafts

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:

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.

$22.00

Stop your payment on a cheque or pre-authorized debit payment:

At a branch or with an EasyLine Telephone Banking representative

$25.00

Through EasyWeb Internet Banking or the TD App

$12.50

Cheque Not Written in Currency of Account:

Fee is in the currency of the account from which funds are drawn.

$20.00

Request a copy of a statement or transaction that is more than 90 days old:

$15.00/item

Ask TD to investigate a wire payment:

Other bank fees may apply

$25.00

Close your account and transfer the balance to another financial institution:

$15.00

Returned foreign deposits:

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.

$15.00

Registered plan fees Fees

TD Canada Trust Retirement Savings Plan (RSP):

Withdrawal Fee:

· For plans open 180 days or less: $100.00 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:

$50.00 per withdrawal

· For a transfer of the Plan to another financial institution:

Fee subject to applicable taxes. Transfer Fee does not apply to transfers between investment options within

the RSP or to another TD registered plan.

$75.00 per transfer

TD Canada Trust Tax-Free Savings Account (TFSA):

Transfer Fee:

· For a transfer of the TFSA to another financial institution:

Fee subject to applicable taxes. Transfer Fee does not apply to transfers between investment options within

the TFSA or to another TD TFSA.

$75.00 per transfer

Banking services (for people without a TD account)

Service Fees

Cash a cheque from the Federal Government $0

Use a TD ATM to withdraw Canadian dollars $3.50

Use a TD ATM to withdraw U.S. dollars $2.50 USD

Have TD to certify (guarantee) a cheque $15.00

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Cheque hold periods

Type of deposit Here's how long it may take for you to get access to your funds after you deposit a

cheque (maximum hold period):

Cheques deposited at any

TD branch

Accounts opened for less than 90 days: 5 business days

Accounts opened for more than 90 days:

· Cheques up to and equal to $1,500: 4 business days

· Cheques greater than $1,500: 5 business days

Cheques deposited in any other

way (ATM, Mobile)

Accounts opened for less than 90 days: 6 business days

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

drawn on a foreign financial

institution

Cheques issued in U.S. dollars drawn on a Canadian financial institution deposited at

any TD branch:

5 business days

Cheques issued in U.S. dollars drawn on a Canadian financial institution deposited

any other way (ATM, Mobile):

6 business days

Cheques drawn on a U.S financial institution: 15 days

Cheques drawn on a financial institution located outside Canada or the U.S.: 30 days

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.

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Accounts no longer offered

This information is for customers who currently have the accounts listed below. They are not available for new account openings.

Account na

me Monthly fee Number of transactions included per

month and t

ransaction fees

Recordkee

ping fees

Plan 60

$0 U

nlimited transactions

No transaction fees

$0 Paper Statements

$0 Online Statements

$0 Paperless

$0 Cheque Image Return

Preferred Chequing

Account

$0 $1.95 for each transaction

No transaction fees if you have $5,000 or more

in your account at the end of each day in the

month.

$2.00/month Paper Statements

$0 Online Statements

$0 Paperless

$2.00/month Cheque Image Return

Tier Savings Account

Companion Savings

Account

TD Premium Bonus

Account

TD Premium Savings

Account

$0 2 transactions

$1.75 for each additional transaction

No transaction fees if you have $25,000 or

more in your account at the end of each day in

the month

Bill payments & transfers set up on a bill

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)

$2.00/month Paper Statements

$0 Online Statements

$0 Paperless

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, 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. TD Mortgage

Corporation and TD Pacific Mortgage Corporation are loan companies governed by the Trust and Loan Companies Act of Canada, and member institutions of the

Canada Deposit Insurance Corporation. The Canada Trust Company is a trust company governed by the Trust and Loan Companies Act of Canada, and a member

institution of the Canada Deposit Insurance Corporation.

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 trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.