1 Subject to credit approval. Annual fee waiver applies only to Primary Cardholder unless otherwise indicated and only for so long as the Borderless Account remains open. All other applicable fees and charges continue to apply.

2 2 U.S. debit transactions include withdrawals, transfers, cheques and bill payments. Banking via ATM machines, domestic non-TD ATMs, debit payment purchase and foreign ATMs is not available.

3 Minimum monthly balance indicated must be maintained throughout the month to qualify for fee waiver.

4 Travel medical insurance is underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services under the Policy are provided by our Administrator.