1 29 transactions a month at $1.25 each for one year (29x$1.25x12=$435) plus one free cheque order (annual fee average $47), annual fee waived for Primary Cardholder for new TD First Class Travel Visa Infinite* Card ($120) and one Authorized User ($50), plus US Dollar Borderless Plan discount with TD US Visa Card ($3.00x12=$36.00 plus $39), plus 1 draft ($7.50), 1 cheque certification ($10), 1 small safety deposit box ($60), 1 TDW self-directed RSP/RIF Discount ($25), and plus bonus interest on one $10,000 GIC for one year of $25. Total annual value of features equals $854.50 ($435+$47+$120+$50+$36+$39+$7.50+$10+$60 +$25+$25). This estimate assumes choice of TD First Class Travel Visa Card and the addition of one Authorized User. Estimated value of account features will vary if there is no Authorized User and/or a TD Platinum or TD Gold Elite Visa Card is chosen instead.

2Subject to credit approval. Annual fee waiver applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards - TD First Class Travel Visa Infinite Card, TD Platinum Travel Visa Card or TD Gold Elite Visa Card – and one Authorized User for the same Account for as long as the All-Inclusive account remains open and in good standing. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply.

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

4Seniors' Rebate of 25% off the monthly fee (rounded up to the nearest $0.05) for clients 60 years old and over as of March 5, 2012.

5The Plus Network is operated by Visa International which 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.

6TD Waterhouse Discount Brokerage is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank. TD Waterhouse Canada Inc. - Member Canadian Investor Protection Fund (CIPF). Discount applies only if the annual fee paid is from the RSP/RIF account.

7Excludes Special Offers, Market-Linked GICs and GICs and Term Deposits (Cashable) and cannot be combined with any other offer.

8Subject to approval. All overdrafts must be paid within 89 days, are subject to an interest rate of 21% per annum (subject to change) on the overdrawn amount, and that subsequent deposits to your account will automatically be applied to pay off the overdraft. Overdraft interest rate is subject to change.

9Subject 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.