Open a TD Student Chequing Account | Student Bank Account (2024)

^ The up to $445 value is based on the combined total value of:

• $125 Cash Offer when you start by opening a new TD Student Chequing Account ^∑ AND
  Complete any three of the following with your new TD Student Chequing Account before January 31, 2025
  1. Set up a recurring direct deposit from your employer or the Government.
  2. Make an online bill payment of at least $50 through EasyWeb or the TD app.
  3. Use Interac e-Transfer® through EasyWeb or the TD app to send or receive at least $50.
  4. Make an online purchase using your TD Access Card with Visa* Debit.
  5. Set-up a Pre-Authorized Transfer Service or Simply Save Service to an eligible TD Savings Account.
  6. Apply, be approved for and add Overdraft Protection Service on your new TD Student Chequing Account.
• $Up to $60 Cash Back Dollars when you open a new TD Cash Back Visa*Card Eligible for students only^Δ
• Eligible students can earn up to $200 in value⁵ in the first year when opening a NEW TD Direct Investing account with ongoing benefits afterward^□
• ^Ω $60 in savings with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection)

^∏Open a new TD Student Chequing Account between May 7, 2024 and October 31, 2024 (the “New Account”) and complete any three of the following with the new TD Student Chequing Account before January 31, 2025: i) Set up a Recurring Direct Deposit from your employer or the Government with the first deposit posted to the new TD Student Chequing Account by January 31, 2025. The Direct Deposit must occur either weekly, biweekly, monthly or twice per month. Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval. (ii) Make an Online Bill Payment through EasyWeb or the TD app, minimum $50 by January 31, 2025; (iii) Make an Interac e-Transfer® transaction to send or receive money (minimum $50) through EasyWeb or the TD app by January 31, 2025; (iv) Make an online purchase using your TD Access Card with Visa*Debit by January 31, 2025. Regular transaction fees may apply, see About Our Accounts and Related Services for more information; (v) Set-up a recurring Pre-authorized Transfer Service or Simply Save from the new TD Student Chequing Account to a TD Every Day Savings Account, TD ePremium Savings Account or TD High Interest Savings Account by January 31, 2025. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly or bi-weekly of any amount between $0.50 to $5.00; or (vi) Apply, be approved and add TD Monthly Plan Overdraft Protection or Pay As You Go Overdraft Protection (TD Pay As You Go Overdraft Protection is not available for Quebec residents) to your new TD Student Chequing Account by January 31, 2025. For any new TD Student Chequing Account that is a joint account, all account holders on the new TD Student Chequing Account must meet the Overdraft Protection eligibility requirements.

For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees,see About Our Accounts and Related Services.

The following are not eligible for the $125 Cash Offer:

(i) Customers who already have a TD Chequing account that was closed on or after May 7, 2023; or

(ii) Individuals who received any chequing account offer from TD from 2021 to 2023;or

(iii) TD staff members or a joint account with a TD staff member.

For any new TD Student Chequing Account that is a joint account, at least one account holder on the new TD Student Chequing Account must meet the eligibility requirements. Limit of one $125 Cash Offer per customer, per new TD Student Chequing Account. The $125 Cash Offer will be deposited to the New TD Student Account within 12 weeks after all conditions have been met, provided that the new TD Student Chequing Account is still open, in good standing, with all conditions continuing to be met. We can change, extend or withdraw the $125 Cash Offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.

^ΔAnnual interest rates, fees and features are current as of May 7, 2024 unless otherwise indicated and subject to change.

Limited Time Offer: This Offer starts on May 7, 2024 and ends October 31, 2024 (the "Offer Period") and is only available to those student cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by October 31, 2024. Offer consists of two parts that students may qualify for separately: a Mobile Purchase Bonus and a Cash Back Bonus

1. Mobile Purchase Bonus: Earn $10 Cash Back Dollars when you add your new TD Cash Back Visa* Card (opened during the offer period) to your mobile wallet and make a mobile purchase within the first 5 months. Eligible Purchases for the Mobile Purchase Bonus: Purchases must be charged to the Account at any merchant that accepts Apple Pay, Google Pay, or Samsung Pay during the Offer Period. Purchases made using any other method of payment will not qualify.
2. Cash Back Bonus: Earn $10 Cash Back Dollars for every statement cycle when you spend $200 or more on your TD Cash Back Visa for the first 5 months, up to a maximum of $50 Cash Back Dollars. The total earned bonus will be a one-time payout.

Purchases made during a statement cycle but posted after the end of that statement cycle will not count towards eligible Purchases for that month and count towards eligible Purchases for the next statement cycle. For example, if your monthly statement cycle is from September 15 to October 14, a Purchase made on October 14 (Transaction date) and posts on October 15 (posting date) will not count for eligible Purchase for that month and will count towards spend in the next month's statement cycle. If the September 15 to October 14 period was your 6th monthly statement cycle, then the Purchase that was made on October 14 and posted on October 15 would not count towards this Offer.

To earn the up to $60 Cash Back Dollar to the TD Cash Back Visa* Card, you must keep your Account open, active and in good standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Your Account must be in Good Standing at the time the Cash Back Dollars are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Cash Back Dollars to be credited to your TD Cash Back Visa* Card Account. This offer is not available to customers who have activated and/or closed a TD Cash Back Visa* Card Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.

Student Offer Eligibility will be allocated to those who apply for the TD Cash Back Visa* Card with Student as their Occupation. The Up to $60 Cash Back Dollar offer is available to full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, who are Canadian residents that do not have an existing TD Credit Card Account.

This offer is not available to customers who transfer their existing TD Credit Card into a TD Cash Back Visa Card Account, or customers who have closed a TD Credit Card within the last 12 months.

See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.

Quebec Only

Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month

(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.

(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).

(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.

(v) Example of Interest Charges

The Toronto-Dominion Bank is the issuer of the TD Cash Back Visa Card.

^□Eligible students can earn up to $200 in value in the first year when opening a NEW TD Direct Investing account with ongoing benefits afterward. Receive a Trade Rebate covering the initial first 10 trades ($9.99 per trade), along with a 50% rebate on subsequent trading fees and a rebate on maintenance fees ($25 per quarter). Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory on May 7, 2024. The offer is available to all eligible students who are 25 years of age or under at the time of application. This offer begins on May 7, 2024 and ends on October 31, 2024. Please see the complete terms and conditions below for eligibility.

Trade and Maintenance Fee Reward Details: To qualify for the Trade and Quarterly Maintenance Fee rewards, a client must:

1. Be a new or existing TD Student Chequing account holder at time of opening a New TD Direct Investing account ("New Account"). The offer is available to all clients who are 25 years of age or under at time of application.
2. Open a New Account by October 31, 2024. A New Account may not be a TD Easy Trade™ account. The account type opened must be a single account holder: Cash, Tax Free Savings Account (TFSA), Margin, or Retirement Savings Account (RSP) account1. Locked-in registered, non-personal, joint, RESPs, RIFs and RDSP accounts do not qualify for this offer.
3. Place the first 10 commissionable trades in the New Account during the 12 month period starting from the date the New Account was opened to receive the full value rebate. Rebates apply only to self-serve trades placed electronically during this period. Trades placed over the phone with the assistance of an Investment Representative are not included. Up to 10 commission rebates will be applied to Canadian and U.S. equity, ETF, and/or option trades which incur a commission charge. For options trades, the flat commission trade fee will be rebated, but the commission fee per contract will still apply. Fixed income, mutual funds, trades placed on markets which are not in the U.S. or Canada, and new issues are excluded from this promotional offer.
4. After the first 10 commission trades have been used or after 12 months since the TD Direct Investing account was opened, a 50% discount on subsequent commission trading fees will rebated. Discounts only apply to self-serve trades completed electronically. Discount will remain in place for as long as client is eligible.
5. If account is charged maintenance fees, they will be rebated to the account on a quarterly calendar basis.
6. Client must hold a TD Student Chequing account in good standing and be 25 years or under to continue qualifying for all discounts on the TD Direct Investing account.
7. If client turns 26 years of age during the first 12 months of account opening, rebate promotions will remain active until the end of the first 12 month period.
8. If client turns 26 years of age after 12 months since account opening, all promos and rebates will no longer be applied to the account.
9. Keep a TD Student Chequing account in good standing to receive all eligible rebates.
10. Clients requiring assistance to register or otherwise apply for this offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.

Further Terms and Conditions:

• To receive commission rebates, and discounted trading fees, a participant must keep their New Account in good standing with TD Direct Investing. Good standing requires that a New Account must not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable. TD Direct Investing account must be linked to the profile within the retail banking division of The Toronto-Dominion Bank (TD Canada Trust) to confirm student bundle eligibility. The option to link may be changed anytime by contacting TD Direct Investing.
• Employees of TD Bank Group are not eligible for this offer.
• The offer, rebates and discounts may be changed, extended, or withdrawn at any time without notice.
• This offer cannot be used in conjunction with any other TD Direct Investing offer..
• This offer is not transferrable to other clients or, if the client joins an existing household, to any preexisting account belonging to the household.
• There may be tax implications associated with the commission rebate. Clients should consult with their personal tax advisor for more information. For registered plans, the commission rebate is paid directly to the plan and is not considered a contribution.
• Up to 10 trade commissions will be rebated at full value and subsequent trades will be rebated at a discount of 50%. Please review our Fees & Pricing information available on our website.
• If trades are placed in CAD, the commission will be rebated to a maximum of $9.99/trade CAD. Trade commissions placed in USD will be rebated in USD to a maximum of $9.99/trade USD.
• Commission fees will be rebated to the New Accounts which were charged the commission on a first in first-out basis from the date the account is opened.
• Terms of trading fee rebates: TD Direct Investing will apply a bulk rebate of eligible trades to your Account on August 31, 2024 and then rebate eligible commissionable trades to your New Account by every last business day of the month (starting September 30th, 2024) for commissionable trades placed in the previous month. If last day of the month is a holiday, commission rebates will be applied within the next 2 business days.
• Terms of Maintenance Fee rebates: If the quarterly maintenance fee is charged to the account, it will be rebated back to the account on a quarterly calendar basis.

TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.

TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.

TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.

®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

Visa* is a registered trademark of Visa International Service Association, used under license.

Interac^® e-Transfer is a registered trademark of Interac Corp. Used under license.

¹For more information about transactions and a complete list of account fees,click here for Account and Other Related Service Fees. For information on our general services, please view ourGeneral List of Services.

Link with Starbucks Rewards Offer:

• The terms of this Offer are in addition to the agreements that apply to the eligible TD Credit Card (including the applicable reward program term and condition linked to the eligible TD Credit Card) or the TD Access Card withVisaDebit. Depending on your TD account, your standard rates and fees continue to apply. For TD Access Cards with Visa Debit: for more information about transactions and a complete list of account fees,Account and Other Related Service Fees(PDF). For information on our general services, please view ourGeneral List of Services(PDF).
• The terms of this Offer are also in addition to the terms and conditions of the Starbucks Rewards program, available at www.starbucks.ca/terms (“Starbucks Rewards Terms of Use”). These terms do not alter in any way the terms and conditions of any other agreement you may have with Starbucks for other products or services, such as Starbucks Cards.
• The Starbucks Rewards program is established and operated by Starbucks Coffee Canada, Inc. or its respective subsidiaries, licensees, and affiliated companies (collectively, "Starbucks"), and allows customers to earn stars (“Stars”) that can be redeemed at Participating Starbucks Stores in Canada for free food and beverage items (each, a “Reward” and collectively “Rewards”). To understand your rights and obligations under the Starbucks Rewards program, you should carefully read the Starbucks Rewards Terms of Use and any other agreements that apply to the Starbucks Rewards program.

Linking to the Offer:

• You can only access this Offer in My TD Rewards which is available through your TD EasyWeb Account and/or a TD mobile app account.
• There is no fee to participate in the Offer.
• When you link eligible TD Credit Cards and TD Access Cards withVisaDebit to your Starbucks Rewards account in My TD Rewards, you opt-into the Offer.
• If you de-link from this Offer in My TD Rewards, you opt-out of the Offer and you will no longer participate in the Offer. You can opt-out of this Offer at any time. To opt-out of the Offer by de-linking, follow the instructions in My TD Rewards.
• While you are opted into the Offer, and as long as you meet all requirements of the terms of this Offer, you will (as applicable):
  • earn bonus Stars with your eligible TD Credit Card or your TD Access Card withVisaDebit (bonus Stars),
  • for certain eligible TD Credit Cards, you can earn bonus TD points, or Aeroplan points, as applicable for your TD Credit Card (bonus points),
  • For select TD Credit Cards, you can redeem your TD points for Stars

Eligible TD accounts:

• Only TD Access Cards withVisaDebit can participate the Offer.
• The following TD Credit Cards are eligible TD Credit Cards that can participate in this Offer:
  • TD RewardsVisaCard, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Business TravelVisaCard
  • TD AeroplanVisaPlatinum Card, TD AeroplanVisaInfinite Card, TD AeroplanVisaInfinite Privilege Card, TD AeroplanVisaBusiness Card
  • TD Cash BackVisaCard, TD Cash BackVisaInfinite Card, TD Business Cash BackVisaCard
  • TD Emerald Flex RateVisaCard, TD Business Select RateVisaCard
  • TD GreenVisaCard, TD VentureVisaCard

Participation in the Offer:

• For eligible TD Credit Cards Accounts, both the Primary Cardholder and any Additional Cardholder can participate.
• For TD Access Card withVisaDebit, any account holder on the same account can participate.
• You must be a member of the Starbucks Rewards program.
• You must keep your eligible TD Credit Card or your TD Access Card withVisaDebit open, active and in Good Standing.

Eligible Purchases:

• For the purpose of this Offer,Eligible Purchasesmeans the following:
  • Any purchase of food, beverage(s), and/or merchandise, excluding purchases of alcoholic beverages and Starbucks Card eGifts and physical Starbucks gift cards (“Starbucks Cards”), at Participating Starbucks Stores (as defined below); and
  • Adding funds to the Starbucks Card(s) registered to your Starbucks Rewards account (“Reload”) using an eligible TD Credit Card, or using a TD Access Card withVisaDebit, as applicable. To learn more about registering your Starbucks Card to your account, visitStarbucks.ca/rewards.

Participating Starbucks Stores:

• Participating Starbucks Storesare Starbucks locations in Canada that honor Starbucks Rewards. To locate stores that honor Starbucks Rewards, visitwww.starbucks.ca/store-locatorand look for stores that list “Redeem Rewards” as one of the store amenities.

Earning bonus Stars:

• First:You must link your eligible TD Credit Card or your TD Access Card withVisaDebit to your Starbucks Rewards account in My TD Rewards.
• Second:Add your eligible TD Credit Card or your TD Access Card withVisaDebit as a linked method of payment within the Starbucks app, and then use it to order ahead or pay at the register for an Eligible Purchase at a Participating Starbucks Store. To learn more about adding your TD Credit Card or your TD Access Card with Visa Debit as your payment method to the Starbucks app, visitStarbucks.ca/rewards
• You can also earn bonus Stars when you Reload your Starbucks Card using your eligible TD Credit Card, or your TD Access Card withVisaDebit linked to this Offer.
• Here is a chart that sets out how many bonus Stars you will earn with this Offer when you meet the terms of this Offer:

  Reloading your Starbucks Card

  1 Starfor every$1.00Canadian Dollar spent when you Reload your registered Starbucks Card using your linked eligible TD Credit Card or your TD Access Card withVisaDebit.

  Making an Eligible Purchase through the Starbucks app:

  0.50 Starfor every$1.00Canadian Dollar spent when you add your eligible TD Credit Card or your TD Access Card withVisaDebit to your Starbucks Rewards account and use it to pay through the Starbucks app (either by scanning it in person at the register or ordering ahead via mobile order and pay). To learn more about adding your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account, visitStarbucks.ca/rewards.

• You can check your Star balance and available Rewards, as well as any additional benefits for which you are eligible as a Starbucks Rewards member, on www.starbucks.ca/rewards or by using the Starbucks app.
• If you would like to report an error for your Stars earned under this Offer, you must contact Starbucks using the information stated below under "Additional Terms".

Earning bonus points:

• When you meet the terms set out in this Offer, select eligible TD Credit Cards (set out below) can earn bonus points on Eligible Purchases. TD Access Cards withVisaDebit do not earn bonus points.
• The number of bonus points that you can earn will depend on the type of eligible TD Credit Card you have. The bonus points you earn under this Offer are in addition to regular points you can earn under the rewards program connected to your eligible TD Credit Card.
• You can only earn bonus points on thenetEligible Purchases charged and posted to the Account. This means that credits for refunds, returned items and other similar credits for Purchases may reduce or cancel the bonus points earned.
• The select eligible TD Credit Card listed below can earn bonus points under this Offer:

  TD RewardsVisaCard	1 TD pointfor every$1.00in Eligible Purchases
  TD Platinum TravelVisaCard	1 TD pointfor every$1.00in Eligible Purchases
  TD First Class TravelVisaInfinite Card	1.50 TD pointfor every$1.00in Eligible Purchases
  TD AeroplanVisaPlatinum Card	0.50 Aeroplan pointfor every$1.50in Eligible Purchases
  TD AeroplanVisaInfinite Card	0.75 Aeroplan pointfor every$1.00in Eligible Purchases
  TD AeroplanVisaInfinite Privilege Card	0.75 Aeroplan pointfor every$1.00in Eligible Purchases
  TD Business TravelVisaCard	3 TD pointfor every$1.00in Eligible Purchases
  TD AeroplanVisaBusiness Card	0.75 Aeroplan pointfor every$1.00in Eligible Purchases

• The way we will show you the number of bonus points you have earned with this Offer will depend on the type of TD Credit Card you have:
  • For TD Aeroplan Credit Cards: We will show you the number of Aeroplan points you have earned with your TD Credit Card in a particular statement period on the Account’s monthly statement. Your bonus points earned under this Offer will be included in your total points balance shown on your Account's monthly statement. Once the Aeroplan points are awarded to the Aeroplan Member Account, you can check your Aeroplan points balance directly with Aeroplan. If you would like to know about the bonus points earned under this Offer, you can contact us using the information provided below.
  • For TD Rewards Credit Cards: You can see number of bonus TD points you have earned with this Offer in both TDrewards.com and My TD Rewards in real-time. You can also review your total TD points balance in your Account's monthly statement.

Redeeming TD points for Stars:

• The following eligible TD Credit Cards can redeem TD points for Stars:
  • TD RewardsVisaCard, TD Platinum TravelVisaCard, TD First Class TravelVisaCard, TD Business TravelVisaCard.
• To redeem your TD points for Stars:
  • Your eligible TD Credit Card linked to this Offer must be open, active and in Good Standing.
  • Your Starbucks Rewards account must be open and active.
  • You must link your eligible TD Credit Card to your Starbucks Rewards account in My TD Rewards.
• Either the Primary Cardholder or any Additional Cardholder can instruct us to redeem TD points for Stars in My TD Rewards in one of the following manners:

  One Time Redemption

  Redeem your TD points at any time for Stars in My TD Rewards as long as the eligible TD Credit Card Account linked to this Offer has a minimum of700TD points.

  Auto-redemption:

  You can tell us in My TD Rewards to automatically redeem your TD points by the date, frequency, and the number of TD points you specify. When you select this option, we will automatically review your instructions on a daily basis (business day only) and process your redemption when it applies. If you want to modify or cancel this option, we will process the modification or cancellation on the same business day if submitted before11pmEastern Standard Time (EST), or it will be completed the following business day.

• No matter which redemption option you select, we cannot reverse a redemption once the TD points are redeemed. We process your redemption request under this Offer in real-time.
• The Primary Cardholder or any Additional Cardholder can redeem TD points for Stars. We will rely on the first set of instructions we receive either from the Primary Cardholder or an Additional Cardholder to redeem TD points for Stars with this Offer. Our electronic time-keeping methods will be definitive in determining the time and date of receipt by us of any redemption instructions.

Additional Terms:

• My TD Rewards is located online in EasyWeb and in the TD mobile app. We may create new ways for you to access My TD Rewards or we may change where you can access My TD Rewards.
• This Offer may be changed, extended, or withdrawn at any time without notice. If we provide notice, we will provide it using electronic means.
• We reserve the right, in our sole discretion, with or without notice, to suspend, disqualify, limit or revoke this Offer to any person or cardholder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Offer, including any person whose overall client relationship with us is in our opinion not in Good Standing.
• Starbucks may also restrict, cancel, or terminate any person or cardholder’s ability to participate in the Offer and such restriction, cancelation or termination may be with or without notice.
• This Offer will be in addition to any other offers available for the eligible TD Credit Cards and TD Access Cards withVisaDebit.
• We are not responsible for the Starbucks Rewards program, or the terms that govern the Starbucks Rewards program, including the expiry or cancellation of Stars, redemption conditions, benefits, features, or services of the Starbucks Rewards program, and its availability, cancellation or termination. This also includes no responsibility for the services supplied under the Starbucks Rewards program, or for any actions or omissions. We will not accept any responsibility for any loss or damages caused by goods or services supplied or requested in connection with the Starbucks Rewards program.
• Starbucks is not liable or responsible for My TD Rewards, the terms that govern your TD Access Cards withVisaDebit card, or terms that govern the eligible TD Credit Cards (including the applicable reward program term and condition linked to the eligible TD Credit Card) or any of the services and products offered/provided by The Toronto-Dominion Bank.

Privacy:

Contact:

• To contact us, use one of the following methods:

  Contact	Details
  Starbucks	Online:https://customerservice.starbucks.ca/ Online Chat:https://customerservice.starbucks.com/app/contact/ask/ By Phone:1-800-782-7282
  TD Easy Line Telephone Banking For all other questions	Online:TD.com By Phone: 1-800-983-8472 By Mail:TD Credit Cards P.O. Box 300 TD Centre Toronto, Ontario M5K 1K6

^®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

^*Trademark ofVisaInternational Service Association; Used under license.

^®Aeroplan is a registered trademark of Aeroplan Inc., used under license.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).

Interace-Transfer is a registered trade-mark of Interac Corp. Used under licence.