Small Business

• Dedicated Small Business Advisors
• Business Line of Credit up to $250,000
• Business Loans
• Business Mortgages
• TD Business Visa Card with first year's fee waived
• Business Chequing and Savings Accounts
• Web Business Banking Services
• Foreign Exchange Services
• International Trade Services
• Set up fee waived⁵; when you sign up for a new payroll service through TD Canada Trust

The TD Canada Trust Banking Plan for Manufacturers offers:

BANKING SPECIALISTS

Dedicated Small Business Advisor

• TD Canada Trust Small Business Advisors are dedicated to simplifying your business banking and helping to make sure that all your unique needs are met. As your business grows, your Advisor can act as a convenient single point of contact, helping ensure that your
  TD Canada Trust
  business accounts and services change along with your needs.

FLEXIBLE FINANCING OPTIONS¹

Business Line of Credit up to $250,000

• The convenience of a Business Line of Credit with interest rates as low as TD Prime + 1%²

Business Loans¹

• Opportunity to receive the funding you need for expansion, new equipment and technology, with the most competitive rates on business loans available at
  TD Canada Trust
  .
• Set up fee waived on Business Loans

Business Mortgages

• Up to $2000 in property appraisal fees paid for you when you are approved for a Business Mortgage of $100,000 or more

PAYMENT SOLUTIONS

TD Business Visa Card

• First year's annual fee waived on the TD Business Visa Card (up to a maximum of 10 cards) when you enroll in the optional TD Visa Travel Rewards Program³
• Receive any available welcome TD Point bonus offers upon card approval and enrollment in the TD Visa Travel Rewards program (existing cardholders receive bonus points offerings program upon enrollment). Earn TD Points on everyday business purchases.⁴
• Receive monthly management reporting at no additional cost, to help simplify your recordkeeping

Ceridian Payroll Solutions

• Simplify your payroll processing with Ceridian's Powerpay Suite of payroll services offered through the web or telephone.
• When you sign up for the Powerpay Suite through TD Canada Trust, Ceridian Canada will waive the set up fee of $250.⁵

DAY-TO-DAY BANKING

Business Chequing and Savings Accounts

• Transfer or establish your main business account at TD Canada Trust and we will waive your monthly Service Plan fees for the first six months. We'll make it easy to move your account to TD Canada Trust with our EasySwitch service. We will coordinate the transfer of account balances and any pre-authorized payments and deposits to you on time and work to ensure that everything is taken care of as quickly as possible. We offer a variety of Service Plans to meet your banking needs. Accessing your new account (including transferring between your business and personal accounts) 24 hours a day, seven days a week is
  easy with:
  • EasyWeb Internet banking
  • EasyLine telephone banking
  • Green Machine ABMs
  And, many TD Canada Trust branches are open earlier and later to help you manage your unpredictable schedule.

WEB BUSINESS BANKING SERVICES

• A powerful suite of online Web Business Banking Services, including Balance Reporting, Wire Payments and Incoming Wire Payments Notification, Electronic Funds Transfer, and Tax Payment Filing.

Foreign Exchange Services

• Let us help you manage your foreign exchange risk. Our Direct Trade Foreign Exchange service offers competitive pricing for all of your foreign exchange requirements.

International Trade Services

• Risk reduction for your international trade requirments through Export/Import Letters of Credit, Documentary Collections and Standby Letters of Credit or Guarantee.

¹ Subject to complying with TD Canada Trust lending policies and criteria including confirmation of good personal credit history. Certain business documentation is required. Other conditions may apply.
² "TD Prime" means the annual interest rate established and reported by TD Canada Trust to the Bank of Canada from time to time as a reference rate of interest for the determination of interest rates charged to customers of varying degrees of creditworthiness in Canada for Canadian dollar loans.
³ Yearly Program fee of $99 applies per year per Card enrolled in the TD Visa Travel Rewards Program ("Program"). Annual fee of $50 per Card waived in first year per Card enrolled in Program. All other fees and charges applicable to the Card continue to apply. Fees and features effective as of September 1, 2007 and subject to change.
⁴ Any bonus points will be applied to the new program member card upon approval. Bonus points offers cannot be used in conjunction with any other offer and may be changed, extended or withdrawn at any time without notice. TD Points are earned on purchases charged to the Card. Credit for returned items, refunds, rebates or similar credits will reduce or cancel the TD Points earned. Fees, cash advances, any service or interest charges, optional services, TD Visa Cheques, balance transfers, refunds, rebates or other similar credits do not earn TD Points.
⁵ Payroll Service provided by Ceridian Canada Ltd. Powerpay Suite is a registered trademark of Ceridian Canada Ltd. set up fee waiver of $250 applies only to Powerpay Suite. Fees and features effective as of March 1, 2007 and subject to change.