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These Financial Services Terms (Terms) are effective August 10, 2026 and replace all previous versions.  \nThese Terms apply to your Account and any Services you use.  \nThese Terms include the About Our Interest Calculations and About Our Accounts And Related Services documents. You should read them together along with the Access Agreement, the Digital Banking Agreement and any other agreements that apply to your Account or Services.  \nTable Of Contents Section 1: Definitions  \nSection 2: Account Fees, Activity, And Records  \n2.1 What fees, charges, interest, and costs apply to your Account and Services?  \n2.2 How can you use your Account?  \n2.3 Can we restrict your Account activity or close your Account?  \n2.4 How do you prove legal capacity?  \n2.5 Can your Legal Representative access your Account?  \n2.6 How do we handle a Payment Instrument?  \n2.7 What Records are available, and what is your responsibility for verifying them?  \n2.8 What interest rates apply to your Account?  \n2.9 How do we manage an overdraft not covered by an overdraft protection service?  \n2.10 How do we handle foreign currency?  \nSection 3: Joint Accounts  \n3.1 How do we operate joint Accounts?  \n3.2 Can we restrict access to or close your joint Account?  \nSection 4: Communications  \n4.1 How do we manage electronic or other communications?  \n4.2 How do we manage Electronic Signatures and instructions?  \nSection 5: Account Changes  \n5.1 Can we make changes to the terms and conditions of your Account and Services?  \n5.2 Can we move your Account to another branch?  \n5.3 Can we discontinue offering an Account or Service?  \n5.4 What happens to funds in your Account upon your death?  \n5.5 Can we transfer, sell, or assign your Account or Services?  \nSection 6: General Information  \n6.1 What is our liability for any loss or damages?  \n6.2 Can we set-off debts you owe to any TD Bank Group member?  \n6.3 How do we notify you of a legal process or claim?  \n6.4 How do we manage court and other legal or administrative demands on your Account?  \n6.5 What if we do not act immediately if you breach these Terms?  \n6.6 Who is bound by these Terms?  \nSection 7: How To Contact Us  \n7.1 How do you contact us with general inquiries?  \n7.2 How do you contact us with complaints?  \nSection 1: Definitions  \nAccount means any personal deposit account opened with TD. It does not include guaranteed investment certificates (GICs), term deposits, or registered plans, except for the High Interest TFSA Savings Account. To determine which TD entity issued your Account, please refer to the About Our Accounts And Related Services document. You can find this document at any ofour branches and online at [td.com](td.com)  \n[Legal Representative](Legal Representative means:)[ means:](Legal Representative means:)  \n• Any person named as such in a Power of Attorney for property and, in Quebec, any person named as a mandatary in amandate  \n• A committee of estate  \n• An estate representative  \n• A legal guardian and, in Quebec, a curator  \n• Any other person recognized as your legal representative under applicable law or by a court order  \nService means any service we make available to you in connection with your Account as set out in the About Our Accounts And Related Services document.  \nWe, us, our, TD Bank Group, or TD refers to The TorontoDominion Bank and its affiliates, including TD Mortgage Corporation, TD Pacific Mortgage Corporation, and The Canada Trust Company.  \nYou, your, or yours means the customer or customers listed on the Account and their Legal Representative, if applicable.  \nSection 2: Account Fees, Activity, And Records  \n2.1 What fees, charges, interest, and costs apply to your Account and Services?  \nYou agree to pay and authorize us to charge to your Account-even if it creates or increases an overdraft-any fees, charges, interest costs, or other amounts that:  \n• You owe T","cbCailwAXVjvAatz","https://ap.wps.com/l/cbCailwAXVjvAatz","pdf",371785,"English","# Section 1: Definitions\n## Account\n## Legal Representative\n## Service\n## We/Us/Our/TD Bank Group\n## You/Your\n# Section 2: Account Fees, Activity, And Records\n## 2.1 Fees, charges, interest, and costs\n## 2.2 Using your Account\n## 2.3 Restricting or closing account activity\n## 2.4 Proving legal capacity\n## 2.5 Legal representative access\n## 2.6 Payment instrument handling\n## 2.7 Records and verification responsibility\n## 2.8 Interest rates\n## 2.9 Overdraft not covered by protection service\n## 2.10 Foreign currency\n# Section 3: Joint Accounts\n## 3.1 Operating joint accounts\n## 3.2 Restricting access or closing joint accounts\n# Section 4: Communications\n## 4.1 Electronic or other communications\n## 4.2 Electronic signatures and instructions\n# Section 5: Account Changes\n## 5.1 Changes to terms\n## 5.2 Moving accounts to another branch\n## 5.3 Discontinuing accounts or services\n## 5.4 Funds upon death\n## 5.5 Transfer, sale, or assignment\n# Section 6: General Information\n## 6.1 Liability for loss or damages\n## 6.2 Set-off debts\n## 6.3 Notice of legal process or claims\n## 6.4 Court and administrative demands\n## 6.5 Breach and immediate action\n## 6.6 Who is bound by the Terms\n# Section 7: How To Contact Us\n## 7.1 General inquiries\n## 7.2 Complaints","[{\"question\":\"When do the Financial Services Terms take effect and what do they replace?\",\"answer\":\"The Terms are effective August 10, 2026 and replace all previous versions.\"},{\"question\":\"What limitations apply to how a customer can use an account?\",\"answer\":\"The account is for personal, household, or family use only, and cannot be used to manage a business, conduct fraudulent/illegal/improper activities, or engage in activities that create unacceptable risk.\"},{\"question\":\"How are electronic communications and electronic signatures handled?\",\"answer\":\"The document explains how TD manages electronic or other communications and how electronic signatures and related instructions are handled under the Terms and related agreements.\"}]","Financial Services Terms - Effective August 10, 2026 | PDF",23]