1 The Youth Account is only available to persons under the age of 19.

2 Debit transactions are withdrawals, transfers, cheques and pre-authorized payments and the debit portion of bill payments, domestic (TD and non-TD ATM) withdrawals and foreign ATM withdrawals, debit payment purchases, NYCE debit payment purchases and Interac e-Transfers. Pre-authorized Transfer Service is a debit transaction.

3 The Plus Network is operated by Visa International who is responsible for ensuring all member banks are compliant with current standards to allow withdrawals by all Plus Cardholders. Certain states permit surcharging of international customers at independent ATMs. This surcharge will display electronically for the customer to accept before completing the transaction.