TD Convenience Checking Account Guide

1 TD Convenience CheckingSM Account Guide An Account perfect for everyday banking with a low minimum daily balance requirement, plus additional benefits for young adults. We've created this easy to follow outline of services, fees and policies to help you understand how this Account works. All of our accounts also include convenient and hassle-free services such as online and mobile banking with Bill Pay, free Visa debit card and Live Customer Service 24/7. Minimum deposit needed to open $ Account Monthly maintenance fee $ Waived if one of the following applies: 1. Maintain a $ minimum daily balance 2. Waived if the Primary Account holder is age 17 through 23 years No monthly maintenance fee when you: of age (upon the primary Account holders 24th birthday the Account will be subject to the monthly maintenance fee unless Account opening the minimum daily balance is maintained).

2 And usage Pays interest No $ For using TD ATMs in the and Canada $ ATM fees For each withdrawal, transfer, and balance inquiry conducted at a non-TD ATM. Additionally, the institution that owns the terminal (or network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries. $ Overdraft-paid fee For each item we pay Overdraft-return fee $ (non-sufficient funds) For each item we do not pay Maximum number of overdraft fees per 5. Business Day Per Account Overdraft information $ and fees or Waived when primary Account holder is age 17 through 23 years Overdraft protection transfer fee old (upon the primary Account holders 24th birthday the waiver will be removed and the Account will be subject to the $3 Overdraft protection transfer fee).

3 If your available Account balance is overdrawn by $5 or less, you Overdraft fee threshold will not be charged overdraft-paid, overdraft-return or overdraft protection transfer fees. TD Debit Card AdvanceSM. We offer an overdraft service called TD Debit Card Advance with our personal Checking accounts. Overdraft options To enroll in TD Debit Card Advance, visit your nearest TD Bank, call us at 1-888-751-9000, for Customers connect to , or from your mobile device. For more information on TD Debit Card with debit cards Advance, please see this important information. We also offer an overdraft protection service, where you link to a savings Account , which may be less expensive. 1 of 3. TD Convenience CheckingSM Account Guide This means your Account will receive our Standard Overdraft Option A (default) You do not enroll in Service which is included with your Account .

4 We may pay items Overdraft options such as recurring debit card transactions, ACH, and checks into TD Debit Card AdvanceSM overdraft at our discretion and decline one-time debit card or for Customers ATM transactions when funds are not available. with debit cards In addition to our Standard Overdraft Service, when you enroll (continued) Option B You enroll in TD Debit Card in this option, we may authorize and pay one-time debit card or AdvanceSM ATM transactions when funds are not available in your Account , but it may result in a fee. Checks Money orders $ Official checks (cashier's check) $ Account Services Check & ACH Stop Payment fee (per item) $ Monthly paper statement fee $ Printed check images with monthly paper statement $ (subject to limitations under applicable state laws).

5 3% of total TD FastFunds check amounts (min fee of $5). TD FastFunds is a service which enables expedited funds avail- ability in exchange for a fee. Deposits eligible for and subject to TD. TD FastFunds FastFunds will be credited to your Account first before any other items, such as deposits and withdrawals made the same day. Additionally, checks deposited or cashed using the TD FastFunds Additional Account service will not be charged a Return Deposit Item (RDI) fee in the event that a check is returned. support Copies Statements with check copies and/or $ deposit slips only, per statement Deposit reconstruction, per transaction $ Statements with check copies and $ deposit reconstructions, per statement Other $ For each item you deposit or cash that is returned unpaid.

6 Cashed or deposited item returned (per item) Example: You deposit a check from someone who doesn't have enough money in their Account to cover the check. The amount of the check will be subtracted from your balance and you will be charged the cashed or deposited item return fee. Levy/legal order $ ATM/debit card research (per hour) $ Send Money with Zelle Free Delivery to others within minutes Free Request funds from others to/from other people1 Free 3 Day delivery to others Bill Pay Free Scheduled or Next Day Bill Payment $ Rush Bill Payment2. Free Internal transfers (to/from other TD Bank accounts). Free External transfers from other institutions with 3 day delivery Funds transfer Online banking transfers Free External transfers to other institutions with 3 day delivery Free External transfers to/from other institutions with next day delivery $ Incoming wire (domestic and international).

7 $ Outgoing wire (domestic). Wires $ Outgoing wire (international), plus exchange rate, taxes and correspondent fee(s). 2 of 3. TD Convenience CheckingSM Account Guide Foreign bank drafts, purchased $ $ Orders of $250 and above Foreign currency bank notes International items $ Orders less than $250. International collections items, plus $ correspondent fee(s). 3% of the dollar amount of the transaction This fee applies if you use your card to purchase goods or services in a foreign currency or in dollars with an international International Transaction Fee merchant (an International Transaction ). International (ATM/debit card) Transactions include internet transactions made in the but with a merchant who processes the transaction in a foreign country.

8 This fee also applies if you use your card to obtain foreign currency from a non TD ATM . Transactions are processed at the end of each Business Day in the following order: 1.. Posting order (The order in which withdrawals and deposits are a.. processed). b.. 2. Then, interest credits and all other fees are processed.. Immediately . Immediately Processing policies . The first $100 immediately Remainder the next Business Day . Funds Availability Policy The first $100 immediately for accounts opened longer than 90. (When funds deposited to your Account are days available) Remainder the next Business Day . Next Business Day after the date of your deposit .. This represents our general policy. For specific details, please see the Funds Availability Policy in the Personal Deposit Account Agreement.

9 A Business Day is a non-federal holiday weekday. The end of a Business Day Business Day varies by Store, but it is no earlier than 8 EST. If you have questions or would like more information Please visit any of our Stores or call us at 1-888-751-9000. We will be happy to assist you. Dispute resolution In addition, the Personal Deposit Account Agreement governs the terms and conditions of personal deposit Account (s) with us. Please refer to the Agreement for complete Checking Account details. 1. Send Money with Zelle , is available for most personal Checking and money market accounts. To use Send Money with Zelle you must have an Online Banking profile with a address, a unique mobile phone number, an active unique e-mail address, and a Social Security Number.

10 Your eligible personal deposit Account must be active and enabled for ACH transactions and Online Banking transfers. To send money for delivery that arrives typically within minutes, a TD Bank Visa Debit Card is required. Message and data rates may apply, check with your wireless carrier. Must have a bank Account in the to use Send Money with Zelle . Transactions typically occur in minutes between enrolled users. If a recipient is not yet enrolled with Zelle , it may take between 1 and 3 business days to receive the money once the enrollment is complete. To receive money in minutes, the recipient's email address or mobile number must already be enrolled with Zelle. Transaction limitations apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.