TD Professional Student Banking Package

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¹ No Monthly fees and no minimum balance requirements for the TD Student Chequing Account. You must meet the eligibility requirements and provide the required identification to qualify for the International Student Package. We reserve the right to change, extend or withdraw this offer at any time.

² Transactions/Debit transactions include: withdrawals, transfers, cheques, pre-authorized payments, bill payments and Debit Payment purchases. For Debit Payment purchases at merchants outside of Canada who accept Visa Debit, the transaction amount will be converted to Canadian dollars based on the foreign exchange rate charged to TD Canada Trust and will include an additional fee equal to 2.5% of the converted amount. For NYCE® Debit Payment purchases, included in the currency exchange cost will be a conversion fee which is calculated by adding an additional 250 basis points to the interbank U.S. dollar exchange rate. For example, on a purchase of $10 U.S. with an exchange rate of 1.3 the transaction amount will be $13.25 CDN ($10 x 1.325). Deposit transactions are free.

³ Subject to TD’s credit granting criteria.

⁴ Savings Account bonus offer only applies to a TD Every Day Savings Account, a TD High Interest Savings Account or a TD ePremium Savings Account that is opened on or before the day the New Chequing Account was opened. Bonus offer is limited to 1 savings account per person and the type of savings account cannot change during the Offer Period. The bonus rate is in addition to the posted rate on the savings account and will be applied to the savings account commencing no later than 10 business days after the New Chequing Account was opened and will be effective for 6 months thereafter (“Offer Period”). Regular posted interest rates will apply after the end of the Offer Period. Bonus interest will be calculated separately and paid monthly. Interest rates are subject to change without notice.

⁵ Applicant must meet all TD credit granting criteria to be eligible for a TD Credit Card. Other conditions may apply. Only select TD Credit Cards are available as a secured TD Credit Card. For complete details, please visit your local TD branch.

⁶ Transfer fees will be debited from a customer’s account and then refunded by way of a credit to the same account. Refunds will be processed by the 15th day of the month following the dates on which eligible transactions occur provided the account from which the transaction(s) originated has not been closed. Foreign exchange conversion rates apply where applicable. Customers will be advised of the rate prior to completing the transaction and informed that TD may earn revenue on the conversion. Conversion fees are charged in the currency of the account from which the transfer is made.

⁷ Certain restrictions apply in the U.S. and other regions. See terms and conditions for more information.

⁸ Offer only available to the New Chequing Account. Offer is limited to one account per person. Customers will receive a full rebate of one Visa Direct fee per month commencing the end of the following month, following the month the account was opened and will be effective for 6 months thereafter. The rebate only applies to the outgoing Visa Direct fee and not any other applicable fees. TD will rebate the most expensive Visa Direct fee that occurred in the applicable month.

⁹ Other identification documents may be acceptable or required. Please visit a TD branch for details.

¹⁰ Subject to TD Canada Trust credit approval. Other conditions apply.

¹¹ Proof of enrollment required annually.

¹² In certain instances, the annual fee may be charged and then rebated no later than 8 weeks after the Account is opened.

¹³ Monthly fees for the All-Inclusive Banking Plan account will be rebated for customers while they i) have an active TD Canada Trust Student Line of Credit, and ii) are a full-time Medical, Dental, Veterinary, Law, Chiropractic, Optometry or Pharmacy student. Proof of enrollment is required. The monthly fee for the TD All-Inclusive Banking Plan account that is rebated totals $359.40 per year ($29.95 x 12 months).

¹⁴ As an All-Inclusive Banking Plan account holder, the Annual Fee for the Primary Cardholder will be waived each year that Customer‘s new TD^® Aeroplan^® Visa Platinum^* Card OR TD Platinum Travel Visa^* Card (“TD Credit Card Account”) is open and in good standing. All other fees and charges applicable to your TD Credit Card Account will continue to apply.

¹⁵ Applies to new TD® Aeroplan® Visa Platinum Credit Cardholders only. Welcome Bonus Aeroplan Miles (“Welcome Bonus Miles”) will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Platinum^* Credit Card Account (“Account“) only after the first Purchase is made on the Account. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by and the number of Welcome Bonus Miles awarded to any one person. Please allow up to 8 weeks after your first Purchase is posted to the Account for the Welcome Bonus Miles to be credited to your Aeroplan Member account. Welcome Bonus offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

¹⁶ Applies to new TD Platinum Travel Visa Accounts (Account) only. The Welcome Bonus of 15,000 TD Points (Bonus) will be awarded to the Account only after the first Purchase is charged to the Account. Limit of one (1) Bonus offer per Account. We reserve the right to limit the number of Accounts opened by any one person. Other conditions may apply. Bonus offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

¹⁷ Transfers from the TD Every Day Savings Account to another TD Canada Trust personal Canadian dollar chequing or savings account registered in the same customer name are free except for transfers between accounts done by way of cheque or Interac® e-Transfer, which are treated as debit transactions.

¹⁸ Transactions/Debit transactions include: withdrawals, transfers, cheques, pre-authorized payments, bill payments and Debit Payment purchases. For Debit Payment purchases at merchants outside of Canada who accept Visa Debit, the transaction amount will be converted to Canadian dollars based on the foreign exchange rate charged to TD Canada Trust and will include an additional fee equal to 2.5% of the converted amount. For NYCE® Debit Payment purchases, included in the currency exchange cost will be a conversion fee which is calculated by adding an additional 250 basis points to the interbank U.S. dollar exchange rate. For example, on a purchase of $10 U.S. with an exchange rate of 1.3 the transaction amount will be $13.25 CDN ($10 x 1.325). Deposit transactions are free.

²⁰ Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User.

²¹ Preferred variable annual interest rate is TD Prime rate (TD Prime)+ 1.50%, TD Prime +3.75%, TD Prime +7.75%, TD Prime +9.25%, TD Prime + 10.75%, TD Prime +12.75% depending on your credit assessment. Visit http://www.tdcanadatrust.com/customer-service/todays-rates/td-prime/prime.jsp for current TD Prime. Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances applies if Minimum Payment is not received within 30 days of Payment Due Date.

²² Available when TD Canada Trust Student Line of Credit is programmed on your TD Access Card. Fees may apply for Interac® access and the use of other ATMs.

²³ Subject to the terms of your Line of Credit Agreement.

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