Overdraft Protection Schedule

Monthly Plan Overdraft Protection (MODP)

Date: December 04, 2020 Protected Account #: 5770-XXXX473

Protected Account Holder Information:

MR NICHOLAS HODDER
PO BOX 1760
MARYSTOWN, NL
A0E 2M0

By consenting to this schedule, it becomes part of the Financial Services Terms. Unless specifically changed for the purposes of your ODP,
all of the terms in the Financial Services Terms continue to apply. If there are any conflicting sections between this schedule and the
Financial Services Terms, then the section in this schedule will apply to your ODP.

Definitions
Outstanding Overdraft Balance is the total amount that your Protected Account is overdrawn. It is made up of the outstanding balance up to
your Overdraft Limit and any Overlimit Amount.
Overdraft Transaction is any transaction that creates or increases your Outstanding Overdraft Balance.
Overlimit Amount is the amount that your Protected Account is overdrawn beyond your Overdraft Limit.
You, your, and yours mean the Protected Account Holder or Holders listed above and their Legal Representative, if applicable.
We, us, our, and TD refer to The Toronto-Dominion Bank for the purpose of this schedule.

Details Of Your ODP

The fees and Overdraft Limit are in the currency of your Protected Account.

Overdraft Limit $300.00

Overdraft Interest 21.00% fixed rate per year

Rate

Minimum Payment You will have 89 days from the date you first overdraw your Protected Account (including the first day) to
pay the outstanding balance up to your Overdraft Limit in full. This means that you must repay the
outstanding balance, including any subsequent Overdraft Transactions completed within this period, up to
your Overdraft Limit, by the 89th day after your Protected Account first goes into overdraft.
You must promptly repay any Overlimit Amount.
At our option, we may require you to repay your Outstanding Overdraft Balance at any time.

Fee Each month, we will debit $4.00 from your Protected Account on the last day of your statement period.

Section 1: Limits And Use

1.1 What is ODP?
If you don't have enough money in your Protected Account to cover a payment or withdrawal, ODP may cover your payments or
withdrawals up to your Overdraft Limit. This includes returned Payment Instruments (as defined in the Financial Services Terms),
service fees, and interest charged.

1.2 How do you use ODP?

Your ODP will become available within two business days after you accept the terms of this schedule.

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 Subject to Section 1.6: Can we cancel your ODP?, ODP will be automatically applied any time there is not enough money in the
Protected Account to complete a transaction, up to your Overdraft Limit.
Overdraft Transactions like interest, fees, or returned Payment Instruments may create an Overlimit Amount.

1.3 When must you repay the Outstanding Overdraft Balance?

You will have 89 days (including the first day), from the date your Protected Account moves from a positive balance to an
outstanding balance, to pay the outstanding balance up to your Overdraft Limit in full. This requirement means that you must repay
the full outstanding balance, including any subsequent Overdraft Transactions completed within this period, up to your Overdraft
Limit, by the 89th day.
For example, if you have a $50.00 Overdraft Transaction on Day 1 (and your Protected Account did not already have an outstanding
balance) and another $20.00 Overdraft Transaction on Day 88, then the outstanding balance you owe on Day 89 will be $70.00. This
example assumes there are no other transactions, including any fees or interest.
You must promptly repay any Overlimit Amount.
At our option, we may require you to repay your Outstanding Overdraft Balance at any time.

1.4 How do you pay your Outstanding Overdraft Balance?

You can pay your Outstanding Overdraft Balance by making a deposit into your Protected Account.

1.5 How can you cancel your ODP?

If you want to cancel your ODP, you must notify us and pay the Outstanding Overdraft Balance in full. We will cancel the ODP after
it is paid in full. If you cancel your ODP, you will be charged any applicable interest and fees at the time of cancellation or, if the
Protected Account remains open after you cancel your ODP, the charge will appear at the end of the statement period for your
Protected Account.
We will only charge you interest and fees for the number of days that the ODP is open which is the "Interest Period" identified in
your monthly statement for your Protected Account.
To find out how to notify us of cancellation, please see Section 4: Contact Information.

1.6 Can we cancel your ODP?

Without prior notice, we may:
· Reduce your Overdraft Limit.
· Prevent you from increasing your Outstanding Overdraft Balance.
· Prevent you from exceeding your Overdraft Limit.
· Cancel this schedule and remove the ODP from your Protected Account.
At our option, we may require you to repay your Outstanding Overdraft Balance at any time.

Section 2: Fees And Interest

2.1 What fees will you pay for ODP?
You agree to pay us the fee outlined in Details of Your ODP in addition to any other fee that applies to the Protected Account.

2.2 How do we calculate and charge overdraft interest?

We calculate interest on any Outstanding Overdraft Balance at the Overdraft Interest Rate each day there is an Outstanding Overdraft
Balance during the "Interest Period". The "Interest Period" is identified in the monthly statement for your Protected Account. There
is no interest-free grace period.
We charge and debit interest from your Protected Account on the last day of each monthly statement period. This increases any
Outstanding Overdraft Balance you may have. Since we calculate interest on the Outstanding Overdraft Balance, this means that you
are paying interest on the interest amount added to the Outstanding Overdraft Balance.
We will continue to charge interest before and after the following actions:
· We demand payment in full.
· You break any of the terms of this schedule or the Financial Services Terms.
· We obtain a judgment against you.
Leap Year Calculations
In non-leap years, we calculate interest 365 days a year. In leap years, we charge an extra day of interest using the same daily interest
rate as in a non-leap year. This results in us charging slightly more interest in a leap year.

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Calculating Interest

Examples of interest charges on Outstanding Overdraft Balances for a 30-day statement period
at the Overdraft Interest Rate of 21.00%

Assuming your Outstanding Overdraft Assuming your Outstanding Overdraft Assuming your Outstanding Overdraft
Balance is $200.00 for the entire Balance is $500.00 for the entire Balance is $1,000.00 for the entire
statement period statement period statement period

$3.45 $8.63 $17.26

Section 3: Communication And Changes

3.1 How do we manage communications?
We will send communications about your ODP that are legally required by the method that you have chosen from our available
options. You may change this method at any time with reasonable notice.
We will send communications about other matters by any method we choose. If your Protected Account is joint, we will
communicate these other matters to any one of you. Communication to any one of you will serve as notice to all.

3.2 Will you receive a monthly statement?

Now that you have ODP, we will provide you with a monthly statement for your Protected Account if, in any month:
· Your Protected Account had an Outstanding Overdraft Balance at any time, or
· We have charged any fee associated with your ODP to the Protected Account.
We give you the option to manage your Protected Account statements by receiving them by paper or online, or not at all
(paperless/passbook). If you choose paper or online, we will send you the statement according to your choice. If you choose
paperless, or if you have a passbook, we will send you an online statement (if you have EasyWeb access) or by paper (if you don't
have EasyWeb access). We reserve the right to make changes to how we deliver statements in the future.
While you have ODP, if we send you statements in the mail and they are returned to us as undeliverable, you must still pay us
according to this schedule, even if you have not received your monthly statement.
The terms associated with your responsibility for verifying Records are as set out in the Financial Services Terms, including
reporting Protected Account errors and unauthorized transactions within 30 days from when you are deemed to have received your
Records.

3.3 Can we change this schedule?

Changes to the Overdraft Interest Rate and to the Fee Associated With ODP
From time to time, we may change the Overdraft Interest Rate. We may also change the fee associated with the ODP or add new
fees. If we increase the Overdraft Interest Rate, or if we increase or add new fees associated with the ODP, we will provide you with
advance notice as required by law.
All Other Changes
From time to time, we may change, replace, add, or remove any section of this schedule, including:
· The Minimum Payment
· Limits and Use
· Fees and Interest
· Communication and Changes
· Contact Information
If we make any such changes, we will notify you in writing at least 30 days before the change is in effect. The notice will be written
clearly and legibly, and will provide you with the following details:
· The original clause and its rewritten version, or only the new clause
· The date when the change will come into effect
· An option to close your Protected Account if you do not accept the change
If you do not want to accept such changes, you can choose to cancel your ODP without cost or penalty. If you do so, you must notify
us no later than 30 days after the change comes into effect.
If you cancel your ODP, you must pay any Outstanding Overdraft Balance, fees, or any accrued interest that you owe at that time.

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Section 4: Contact Information
To contact us about your ODP, use one of the following methods:

Contact Method Details

In Person Visit one of our branches

Online td.com

EasyLine® telephone banking 1-866-222-3456

Mail MARYSTOWN NFLD PENINSULA

57 COLUMBIA DR UNIT 25
MARYSTOWN NL
A0E2M0

Consent
By consenting, you agree and accept the terms and conditions of this schedule, which will become part of the FST.

All trade-marks are the property of their respective owners.

® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

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I accept the terms and conditions of the Overdraft Protection Agreement and Privacy
Agreement
nicholas hodder
Date and Time: December 4, 2020 10:12 EST