Personal

Deposit Account

Agreement

This is an important document. It contains the contract governing your deposit relationship with

E

e document est important. Il contient le contrat régissant vos rapports avec la Banque en votre

qualité de déposant ainsi que les informations exigées par la loi. Veuillez le faire traduire.

o banco e as declarações requeridas por lei. Por favor mande traduzir.

Language Practices at TD Bank

Thank you for banking with us. Please be aware that verbal and written communications from TD Bank ordinarily will be in English. These

communications in English may include, but are not limited to, applications, account agreements, statements and disclosures, notices concerning

changes in terms or fees, and communications related to account servicing. As a courtesy to our customers, we sometimes communicate in

languages other than English. If you need assistance in a language other than English, please contact us, as we have language services that may

help. However, we cannot guarantee that customer service or other Bank communications will be available in any language other than English,

and many important bank documents are available only in English.

Gracias por realizar sus operaciones bancarias con nosotros. Tenga en cuenta que las comunicaciones verbales y escritas de TD Bank

normalmente estarán en inglés. Estas comunicaciones en inglés pueden incluir, entre otras, solicitudes, acuerdos de cuenta, estados de

cuenta y divulgaciones, avisos relacionados con cambios en los términos o cargos, y comunicaciones relacionadas con la administración de

documentos bancarios importantes están disponibles solo en inglés.

kominike nan lòt lang ki pa Anglè. Si ou bezwen èd nan yon lòt lang ki pa Anglè, tanpri kontakte nou, paske nou gen sèvis lang ki gendwa ede

ou. Sepandan, nou pa kapab garanti ke sèvis kliyan an oswa lòt kominikasyon Labank yo pral disponib nan okenn lòt lang ki pa Anglè, epi anpil

dokiman labank enpòtan yo disponib an Anglè sèlman.

Obrigado por utilizar nossos serviços bancários. Saiba que os comunicados verbais e escritos do TD Bank normalmente estarão em inglês. Esses

comunicados em inglês podem incluir, entre outros assuntos, requisições, contratos de conta, extratos e divulgações, avisos sobre alterações em

termos ou taxas, e comunicações relacionadas com os serviços da conta. Como cortesia a nossos clientes, nós nos comunicamos algumas vezes

em outros idiomas. Caso você precise de assistência em um idioma diferente do inglês, entre em contato conosco para que possamos ajudar. No

entanto, não podemos assegurar que o atendimento ao cliente ou outros comunicados do Banco estejam disponíveis em qualquer idioma além

do inglês, e muitos documentos importantes do banco estão disponíveis apenas em inglês.

شكراً لكم على اختيارنا لإجراء تعاملاتكم المصرفية. يُ رجى العلم أن المراسلات الشفوية والكتابية الصادر نTD Bank ستكون عادةً باللغة الإنجليزية. قد تشمل هذه

المراسلات باللغة الإنجليزية، على سبيل المثال لا الحصر، الطلبات، واتفاقيات الحسابات، والبيانات والإفصاحات، والإخطارات بشأن تغييرات في الشروط أو الرسوم،

والمراسلات المتعلقة بخدمة الحسابات. إلّ ا أننا نعمد أحياناً إلى إصدار مراسلاتنا بلغات أخرى غير اللغة الإنجليزية على سبيل المجاملة لعملائنا. يُ رجى التواصل معنا إذا

أو المراسلات الأخرى الصادرة عن البنك بأي لغة أخرى غير اللغة الإنجليزية، كما أن الكثير من الوثائق المصرفية المهمة لن تكون متاحة سوى باللغة الإنجليزية.

感謝您選擇我們銀行。請注意，TD Bank 的口頭及書面通訊通常將以英語進行。這些英語通訊可能包括但不限於申請、帳戶合約、聲明和揭露、條款或費用

變更通知，以及與帳戶服務相關的通訊。基於對顧客的禮貌，我們有時會使用英語以外的語言進行溝通。如果您需要英語以外語言的協助，請聯絡我們，因

為我們有可能對您有幫助的語言服務。然而，我們無法保證客服或其他銀行通訊將以英語以外的任何語言提供，且許多重要的銀行文件僅提供英語版本。

pernyataan dan pengungkapan, pemberitahuan tentang perubahan persyaratan atau biaya, dan komunikasi yang terkait dengan layanan

pada akun. Sebagai rasa hormat kepada pelanggan kami, terkadang kami berkomunikasi dalam bahasa selain Bahasa Inggris. Jika Anda

membutuhkan bantuan dalam bahasa lain selain Bahasa Inggris, silakan hubungi kami, kami mungkin dapat membantu Anda dengan layanan

bahasa lainnya. Namun, kami tidak menjamin dukungan pelanggan atau komunikasi bank lainnya akan tersedia dalam bahasa lain selain

󻳼󼱨󽶅󻰼󼪅󻱀󽶅󻱰󻮥󼩰 󻷸󻙐󻘘 󺄌󻖨󼩥󺟄󺟠 TD Bank 󻫌󻘘 󻴘󺇱󼩔󺞐 󺉨󺥌 󻄋 󻘘󺽰 󻚈󼚱󻰼 󻇰󼚱󽶅󻫽󻪰󺵘 󻻀󼪅󺤥󺟄󺟠 󺃼󺴵󻟜󼆩󻘘 󺇀󻶈 󺄘󻘠 󺇀󻩹󻘘 󻘘󻩹󻘘 󻄋 󺇱󺄘 󻩹󺇼

󻪴󻪰󺵘󽶅󺣀󻮼󻱰 󼩀󻮐󼩘 󺆹󻮬 󻳼󼱨󻫌󺆈 󻫬󺱹󼩰 󻷸󻟘󺽰 󼩀󻮐󼩘 󻪴󻪰 󻘘󻍀󻞠󺹸 󻴘󺇱󼩜 󻜔 󻲄󺣀󺵙 󼩔󺆜󻞱󺟄󺟠󺟤󺇜󺄙󽶅󻘘󻍀󻞠󺖔󽶅󺟠󺹴󽶅󻰼󼪅󺇸󻱔󽶅󻚈󼚱󽶅󻟘󽶅󻫽󻪰󽶅󻭴󽶅󺟠󺹴󽶅󺾤󺧜

Благодарим Вас за сотрудничество с нами. Обращаем Ваше внимание на то, что устные и письменные сообщения от TD Bank обычно будут на английском

языке. Эти сообщения на английском языке могут включать, помимо прочего, следующее: заявки, соглашения о счетах, финансовая отчетность и раскрытие

информации, уведомления об изменениях в условиях или платежах, а также сообщения, связанные с обслуживанием счета. В знак уважения к нашим клиентам

мы иногда ведем переписку не на английском языке. Если Вам нужна помощь на другом языке (не на английском), пожалуйста, свяжитесь с нами, поскольку

hoặc thông tin liên lạc khác của Ngân hàng sẽ được cung cấp bằng bất kỳ ngôn ngữ nào khác ngoài tiếng Anh và nhiều tài liệu ngân hàng quan trọng chỉ có

bằng tiếng Anh.

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18

Debit Card Transaction Types 19

checks written on this Account.

f) “You” and “your” mean each depositor who opens an Account, and any joint owner of each Account.

g) “Store” means a branch ofice.

By opening and maintaining an Account with the Bank, you agree to the provisions of this Agreement. You should read this Agreement thoroughly

and keep it with other important records. From time to time, we may offer new types of Accounts and may cease offering some types of Accounts.

This Agreement governs all of these new types of Accounts, and continues to govern any Accounts you may have that we no longer offer. If and

to the extent the provisions of this Agreement vary from the provisions of the Uniform Commercial Code as adopted in the jurisdiction where your

Account was opened, the terms and conditions of this Agreement shall control.

This Agreement includes your promise to pay the charges listed on the Personal Fee Schedule and Account Maintenance Information grid

and your permission for us to deduct these charges, as earned, directly from your Account. You also agree to pay any additional reasonable

charges we may impose for services you request which are not contemplated by this Agreement but are disclosed in our Personal Fee Schedule,

including, to the extent permitted by law, our reasonable attorneys’ fees.

charge or transaction described in this disclosure is approved and processed, you will still be liable for the charge. In order to protect you, we may

ask for identiication or may ask identifying questions to authenticate you prior to processing a request or transaction.

We may refuse to accept an item for deposit or to return all or a part of it to you. Any item that we accept for deposit is subject to later veriication.

We will usually give you provisional credit for items deposited into your Account. However, we may delay or refuse to give you provisional credit

if we believe in our discretion that your item will not be paid. We will reverse any provisional credit we have given for an item deposited into your

Account if we do not receive inal credit for that item, and charge you a fee (see Personal Fee Schedule). If the reversal of a provisional credit

creates an overdraft in your Account, you will owe us the amount of the overdraft, plus any overdraft fees when applicable (see Personal Fee

Schedule). We will determine when inal credit is received for any item. Please read the Funds Availability Policy for a detailed discussion of how

and when we make funds available to you.

We will accept certain items like foreign checks and bond coupons for collection only. You may also ask us to accept certain other items for

collection only. You will not receive credit for (provisional or otherwise), and may not withdraw funds against, any of these items until we receive

inal credit from the person responsible for paying them. Items sent for collection will be credited to your Account in U.S. dollars, calculated using

the amount inally credited to us, before we credit your Account for the remaining amount.

to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online

transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled

by the payor, and early availability of funds may vary between direct deposits from the same payor.

When funds are made available early, they will be relected in your account’s available balance. Whether we make funds available early depends

on (1) when we receive the payor’s payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3)

standard fraud prevention screening.

If a direct deposit is not made available early, it will be made available in accordance with our Availability of Funds Policy described in this

Agreement. Except as expressly set forth herein, funds made available early are subject to the same terms and conditions as other deposits

to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise

uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart

e) Direct Deposits, found in this Agreement, up to the amount of the deposit that was previously made available – even if you have already

withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible

dishonored check or item will be deducted from your Account. We may put the dishonored check or item through for collection again. This

means that you are waiving your right to receive immediate notice of dishonor. The Bank may also collect any amounts due to the Bank

Typically, the Bank will cash checks drawn on other banks for its Customers who have adequate available funds in their Account(s). If any such

check should be returned by the paying bank for any reason, the Bank will charge you a fee (see Personal Fee Schedule). In addition, the Bank will

debit the amount of the returned check from your Account(s). If the debit creates an overdraft in your Account, you will owe us the amount of the

S

identiication required by the Bank or law in connection with the withdrawal has not been presented.

Schedule, for the seventh (7th) withdrawal, and each additional withdrawal that you make in any monthly period (based on your statement date).

These fees will be relected in your monthly statement.

For Holiday Club and Club Saver Accounts, we may impose a fee, as disclosed on the Personal Fee Schedule, for the fourth (4th) withdrawal, and

each additional withdrawal that you make in any calendar month.

The following describes how we pay or charge to your Account checks, debit card transactions, and other items presented for payment or

deposit. An “item” includes any instruction or order for the payment, transfer, deposit, or withdrawal of funds, including, but not limited to,

any check, substitute check, purported substitute check, remotely created check or draft, electronic transaction, draft, demand draft, image

replacement document, indemniied copy, ATM withdrawal or transfer, debit card point-of-sale transaction, pre-authorized debit card payment,

automatic transfer, telephone-initiated transfer, ACH transaction, online banking transfer to or from Accounts at TD Bank or external transfers to

other institutions, online bill payment instruction, payment to or from other people (Send Money with Zelle

transaction), withdrawal or deposit

to pay an item and the transaction is resubmitted, each resubmission constitutes a separate item.

Availability Policy. Please read the Funds Availability Policy for a detailed discussion of how and when we make funds available to you.

pending transactions.

ii. Overdraft fees;

automatic refund of overdraft fees assessed for this item. All deposits are subject to our Funds Availability Policy.

information on when funds become available, please refer to the Processing Order and Funds Availability Policy sections of this Agreement.

Overdraft Grace Period, then we will not refund overdraft fee(s) for those item(s).

pending debit card transactions), this will increase the deposit amount needed to bring your available Account balance to $0 or greater than $0

within the Overdraft Grace Period to receive an overdraft fee refund. For example, if you overdraw your account by $100 on Monday and make a

deposit of $150 on Tuesday to bring your available Account balance greater than $0, but on Tuesday, you make a $100 debit card transaction,

you will need to deposit an additional $50 as of 11:00 p.m. ET on Tuesday to receive an overdraft fee refund for the item(s) that overdrew your

Account on Monday.

If a deposit is received and later returned, we may assess or reassess an overdraft fee that was refunded. By way of example, we may provide

provisional or inal credit for an item that is deposited or credited to your Account and later returned or debited from your Account pursuant to an

adjustment, levy, returned item, court order, court proceedings, seizure warrant, request from law enforcement or request from another inancial

institution may not prevent the assessment of an overdraft fee. Such an item, notwithstanding the provisional or inal credit, may not be an

eligible deposit.

While Overdraft Grace affords you additional time to receive automatic refunds for overdraft fees, it does not prevent other actions on your

attorney trust accounts.

verdraft Grace may not be available for accounts in a suspended or frozen status or on hold, or accounts that are subject to court proceedings,

court order, seizure warrant, forfeiture, restraining notice, levy, garnishment or a request from law enforcement, state or federal agencies or other

inancial institutions.

Yo

act on it. Regardless of whether your stop payment request has been made orally or in writing, it will remain in effect for one (1) year from the date

i

to act on it. We are entitled to a reasonable period of time after we receive your stop payment request to notify our employees and take other

other item on which you stopped payment.

punitive, exemplary or consequential damages.

Account. The Bank may, in its sole discretion, attempt to stop payment on a cashier’s check, teller’s check or other similar item if you certify to

our satisfaction that the item has been lost, stolen or destroyed. You must also furnish any other documents or information we may require, which

may include your afidavit attesting to the facts and your indemniication of the Bank. Even if the Bank agrees to attempt to stop payment on a

cashier’s check, teller’s check or other similar item, if the item is presented for payment, the Bank may pay it and you will be liable to us for that

item, unless otherwise required by applicable law.

For information on Stop Payments as they pertain to pre-authorized funds transfers, please reference the Pre-authorized (Recurring) Transfers and

Stop Payments section within Part IV: Electronic Funds Transfers Disclosure.

If your Account receives incoming ACH transactions (either credits or debits), RTP transfers, or wire transfers initiated from within or outside of

the United States, both you and we are subject to the Operating Rules and Guidelines of the National Automated Clearing House Association

(“NACHA”), the The Clearing House Real-Time Payments (TCH RTP) Operating Rules,” or the rules of any wire transfer system involved, and the laws

the appropriate governmental authorities. Please see the OFAC website for procedures and form required to seek a release of blocked funds.

foreign currency will be converted at our rate of exchange on the day the transaction completed and we may earn revenue on this exchange.

If your Account is not a Holiday Club, Club Saver, IRA, Passbook, or CD Account, the Bank will provide you with a periodic statement. Unless you

tell us of a change of address, we will continue to mail or deliver electronically statements or any other notices to your address as it appears on

our records and you will be considered to have received those statements and any other notices sent to you at that address. We do not have to

send you a statement or notice if (i) you do not claim your statement, (ii) we cannot deliver your statement or notice because of your instructions

or your failure to tell us that you have changed your address, or (iii) we determine that your Checking Account has been inactive for more than 6

months or your Savings Account has been inactive for more than 9 months.

You should review your statements and balance your Account promptly after you receive them or, if we are holding them for you, promptly after

we make them available to you. If you don’t receive an Account statement by the date when you usually receive it, call us at once. You must

review your statements to make sure that there are no errors in the Account information.

On Accounts with check-writing privileges, you must review your statement and imaged copies of paid checks, if any, we send you and report

forgeries, alterations, missing signatures, amounts differing from your records, or other information that might lead you to conclude that the

The primary owner of the new personal checking and/or new personal savings account may be required to complete a valid IRS Form W9 or

substitute IRS Form W9 to provide certain identifying information. You may be subject to backup withholding at the rate speciied in the U.S.

Internal Revenue Code if you fail to provide that information or meet certain other conditions. TD Bank may issue you an IRS Form 1099MISC or

other appropriate forms reporting the value of the Bonus. Offer may be withdrawn at any time and is subject to change. TD Bank Employees and

Canadian Cross-Border banking Customers are not eligible.

et Accounts, Savings, and Certiicates of Deposit (called “CDs”). Your Account will be considered open when you sign a

signature card and we receive credit for your initial deposit. You must also complete and sign any other Account documentation that we

b) Minimum Account Requirements:

i) T

requirements for your speciied type of Account for that particular monthly cycle, as outlined in the Personal Account Maintenance

Information grid.

c) Fees & Charges: Monthly maintenance fees are shown in the accompanying Personal Account Maintenance Information grid. You agree to pay

all fees applicable to the A

Account could receive multiple fees.

d) Interest Rate and ANNUAL PERCENTAGE YIELD: The current interest rate on your Account and the Annual Percentage Yield (or “APY”) are as

shown on the accompanying Deposit Rate Sheet, which is considered part of this disclosure.

Note: If this disclosure was given to you in connection with an inquiry, the Interest Rate(s) and APY(s) shown are accurate as of the date shown on

our Deposit Rate Sheet. Current rates may be obtained by calling Customer Service at the toll-free number listed on the back of this disclosure or

All interest bearing Checking, Savings, and Money Market Accounts: The interest rate and APY may change daily and are adjusted periodically

by the Bank based on various economic factors. There is no limit on changes up or down and the rates are subject to change at any time

i) TD Step Rate CDs: Three (3) and ive (5) year terms are available. The APY will increase every year on the anniversary of the Account open

ii) All other CDs: The interest rate and APY are ixed for the term of the certiicate and may only be changed at maturity.

iii) To Obtain the Annual Percentage Yield (“APY”) Disclosed: For Checking, Savings, and Money Market Accounts, you must maintain the

iv) Balance Computation Method: We use the daily balance method to calculate interest on your Account. This method applies a periodic rate

ii) TD Private Tiered Checking Account: The chart below indicates the balance tier levels used to determine the variable interest rate and

ccount. The interest rate and annual percentage yield for the appropriate tier will be paid on the full balance

f) Checking Account Information

1) Combined B

alances: Some Accounts allow for you to waive the monthly maintenance fee by maintaining a combined daily balance of

us of which accounts you want to have designated to waive the monthly maintenance fee. We do not provide the waiver for you. If the

Account that determines the monthly maintenance fee waiver beneit is closed, you will no longer receive the beneit. If you open additional

eligible accounts to replace any existing ones, we will not automatically waive on your behalf. For more information, The Personal Account

Maintenance Information Grid lists the required daily combined balance and the eligible TD Bank products that can be linked for relationship

Pricing. Restrictions apply.

i) TD Private Tiered Checking: TD Private Tiered Checking Accounts are eligible for monthly maintenance fee waivers on one additional

ccount. You may also request waivers for any TD Health Savings Account(s) you own. You must request these waivers; they are

not automatically applied. Waivers expire when the Private Tiered Checking Account is closed.

g) Savings Balance Tier Structures

Small Business Checking

*Mortgages that we no longer service are not eligible

addition, certain Trust Accounts are eligible to be linked:

Pers

onal Checking (small business checking

not eligible)

lifying TD Signature Savings Accounts with an eligible TD Bank

Account linked to it

Al

l other TD Signature Savings Accounts TD Signature Savings with Standard Rate

ii

) TD Simple Savings: The monthly maintenance fee for

transfers, and sweeps are not eligible.

and ending the second-to-last Business Day of your current service charge cycle (See example in chart below). Please be aware of the

available balance in your Accounts – transferring funds from an Account with an insuficient balance may result in an Overdraft and a

fee may be charged. Please refer to the Overdraft section for details.

We will determine whether your Account qualiies for this monthly maintenance fee waiver on the second-to-last Business Day of your current

service charge cycle.

i) Special Information for Certiicates of Deposit:

i) TD Choice and Private CDs: The chart which follows indicates the balance tier levels used to determine the interest rate and APY being

applied to your Certiicate of Deposit. The balance tier level for your Certiicate of Deposit is determined by the opening balance of your CD

and will not vary throughout the term of your deposit. After maturity and if your CD auto-renews, the balance tier level for your Certiicate of

Deposit for subsequent renewed terms will be determined by the balance at the end of your Grace Period.

ii) Certiicates of Deposit Information

El

addition, certain personal Trust Accounts qualify your TD Choice CD for the Relationship interest rate:

iii) Early Withdrawal Penalties: No part of the principal may be withdrawn prior to maturity without the Bank’s consent. No withdrawals will be

vi) Interest Computation: Interest is accrued on all deposits as of the day the Account is opened on a 365/365-day basis (366/366-day basis

b) Deposits in TD Bank Stores: If you make a

eposits by Mobile App: If you make a deposit through TD Bank Mobile Deposit before 8:00 p.m. ET on a Business Day, we will consider

that day to be the day of your deposit. However, if you make a deposit through TD Bank Mobile Deposit after 8:00 p.m. ET or on a Saturday,

Sunday, or federal holiday, we will consider the deposit made on the next Business Day.

f) Deposits by Night Depository or Store Lockbox: Funds deposited in a night depository or Store lockbox are considered deposited on the next

Business Day the Bank or Store lockbox is open.