TD Premier

TD Premier Terms and Conditions

ELIGIBLE ACCOUNTS: You must be a client of TD Bank with a retail deposit account. Your combined balance at the time of enrollment must be $100,000 or more in one or more of the following accounts:

• TD Bank, N.A. checking accounts, savings accounts, Certificate of Deposit accounts and Money Market accounts; or
• TD Private Client Wealth LLC (TDPCW) TD Investment Services (US) investment advisory account(s) for individual, joint tenants or qualified revocable trusts; or
• TD Wealth Management Services Inc. (TDWMSI) annuity account(s).

TD Premier is a personal banking service intended for certain personal and jointly held TD Bank retail deposit banking clients only. Business account balances will not be considered in determining your eligibility.

INELIGIBLE ACCOUNTS: The following account types do not qualify for the purpose of determining your eligibility to enroll in TD Premier:

• TD Bank business checking or savings, CD or money market accounts
• TD Bank corporate or professional entity checking, savings, CD or money market accounts
• TD Bank Private Tiered Checking, Savings or CD accounts
• TD Bank or TD Investment Services (US) estate accounts
• TD Bank or TD Investment Services (US) guardianship or conservatorship accounts
• TD Investment Services (US) corporate or trust accounts
• TD Wealth® Private Client Group investment or securities accounts
• TD Wealth® Institutional investment or securities accounts
• TD Bank or TD Investment Services (US) UTMA or UGMA accounts
• TDPCW TD Automated Investing accounts

TD Private Client Wealth, LLC (TDPCW): Clients are not eligible to participate simultaneously in both TD Premier and TDPCW.

Important Note: TD Premier, your TD Premier Banker and TD Bank, N.A. do not provide investment, securities or annuities products or services for clients enrolled in the TD Premier program.

TD Premier Bankers will refer any clients who request information about investment, securities, or annuities to a TD Wealth® Financial Advisor. TD Premier Bankers are paid a one-time referral fee for any TD Premier clients referred to TD Wealth®.  Visit www.td.com/us/en/investing for more information.

TD Premier is a TD Bank, N.A., Member FDIC, retail banking service. TD Bank, N.A. retail deposit accounts are FDIC insured.

© 2026 TD Bank, N.A., Member FDIC, and/or its affiliates. All rights reserved. The TD logo and other trademarks are owned by The Toronto-Dominion Bank and used under license.

Deposit products are provided by TD Bank, N.A. Member FDIC.

Deposits are FDIC insured up to $250,000 per depositor, for each account ownership category. To learn more, visit www.fdic.gov.

TD Premier does not include any TD Wealth® investment, securities or annuities services or products. If you are interested in TD Wealth®, your TD Premier Banker will refer you to a TD Wealth Financial Advisor.

SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

TD Wealth® is the brand of TD Bank, N.A. (TD Bank). TD Bank offers banking, investment management, lending, and trust services. TD Private Client Wealth LLC (TDPCW) is a US Securities and Exchange Commission registered investment adviser and broker-dealer, member FINRA and SIPC. TD Investment Services (US) is an investment advisory offering of TDPCW. Annuities and insurance products are made available through TD Wealth Management Services Inc. (TDWMSI), a licensed insurance agency. TD Bank, TDPCW, and TDWMSI are affiliates.

Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results.

¹TD Premier is a personalized banking experience designed for clients with a combined balance of $100,000 or more in deposit or eligible investment accounts. TD Bank will determine if your combined account balances meet the eligibility requirements and may revoke or terminate your enrollment at any time.

²TD Premier clients receive dedicated support from TD professionals, including access to a specialty fulfillment lane of underwriters, processors, and servicers. Ask your Premier Banker or the TD Premier Client Concierge Center for more information.

³Special offers are not guaranteed. Ask your Premier Banker for current TD Double Up^SM Credit Card offers for TD Premier customers.

⁴TD Premier customers may be eligible for an enhanced rate (the “TD Premier Rate”) on a new or existing TD Signature Savings Account. To receive the TD Premier Rate, you must:

1. Be enrolled in TD Premier; AND

2. Open a new TD Signature Savings Account or have an existing TD Signature Savings Account; AND

3. Qualify for a Relationship Rate by maintaining an Eligible Account and linking it to your TD Signature Savings Account. "Eligible Accounts" include: 1) an active TD Bank personal mortgage, home equity or credit card account; 2) an active personal or small business checking account, with at least (a) three customer-initiated deposit, withdrawal, transfer or payment transactions posted each calendar month, or (b) one direct deposit each calendar month. To link an Eligible Account to your TD Signature Savings Account, contact your TD Premier Banker.

You can obtain current TD Premier Rates, Relationship Rates and Standard Rates on TD Signature Savings Accounts by contacting your Premier Banker or the TD Premier Client Concierge Center, or by visiting td.com/tdpremier. Important: Rates are variable and subject to change at any time, for any reason, and without prior notice.

TD Signature Savings Account rates are based on amounts on deposit (i.e., balance tiers) and whether customers qualify for a Relationship Rate. The same rate may apply to multiple tiers. The TD Premier Rate offered to TD Premier customers increases the Relationship Rate on TD Signature Savings Accounts by an amount equal to or greater than 5% of the Relationship Rate within the same balance tier. Rates are rounded up to the nearest one hundredth of a percent (0.01%) and expressed to two decimal places. For example: If the Relationship Rate APY for your balance tier is 1.75%, then the TD Premier Rate would be equal to or greater than 1.84% (1.75% x 1.05 = 1.8375%, which we would round up to 1.84%).

You will receive the TD Premier Rate on your TD Signature Savings Account within 10 business days after requesting the offer with a TD Premier Banker.  If, as of the last Business Day of any calendar month, you are no longer enrolled in TD Premier or do not have an Eligible Account linked to your TD Signature Savings Account, your TD Signature Savings account will revert to the then-current applicable Standard Rate beginning on the first Business Day of the next calendar month.

TD Premier is a TD Bank, N.A., Member FDIC, retail banking service. TD Bank, N.A. retail deposit accounts are eligible for FDIC insurance.

© 2026 TD Bank, N.A., Member FDIC, and/or its affiliates. All rights reserved. The TD logo and other trademarks are owned by The Toronto-Dominion Bank and used under license.

Deposit products are provided by TD Bank, N.A. Member FDIC.

Deposits are eligible for FDIC insurance up to $250,000 per depositor, for each account ownership category. To learn more, visit www.fdic.gov.