1 Full-serve transactions include: In-branch transactions (e.g., withdrawals, transfers, or bill payments) performed by a bank employee at a branch (including by way of phone call or mail/fax to a branch) or transactions performed via Easyline by speaking with a banking specialist over the telephone.

2 Minimum monthly balance indicated must be maintained throughout the month.

3 The Plus Network is operated by Visa International who 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.

4 Subject 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.

5 Proof of eligibility is required: government letter confirming GIS eligibility; proof of beneficiary status on an RDSP; and for students, proof of full-time enrollment in a post-secondary institution