is a schedule of fees from a bank (you can also choose to find the fee schedule from a bank that you are personally familiar with). Choose any two items and discuss how the bank would have arrived at the amount to charge for that particular service (i.e. what cost drivers would be associated with the service to arrive at the amount to be charged).

Personal Fee Schedule Checks Money orders .......... 5.00 Official checks ........ 8.00 ATM/Debit Cards Transactions conducted at TD ATMs in the U.S. and Canada (including ministatements) ................................................................................ Free Each withdrawal, transfer, & balance inquiry conducted at a non-TD ATlVI .$ 3.00 Debit transactions (signature and PIN) .............................................................. Free Funds Transfers External transfers (to/from other institutions) 3 day delivery from other institutions. Free 3 day delivery to other institutions ...... Free Next day delivery tolfrom other institutions ................................................................ Free Bill Pay Scheduled or Next Day Bill Payment. Free Rush Bill Paymen 2.00 Send Money with Zelle (to/from other people) Delivery to others within minutes ..... Free Request funds from others .............. Free 3 day delivery Free Wires Incoming wire (domestic & international) ......................................................... 5 15.00 Outgoing wire (domestic) ........ $ 25.00 Outgoing wire (international) .. $ 40.00 ' Please note: For transactions conducted at non-TD ATMs, the institution that owns the terminal (or the network) may assess a fee (surchar e) at the time at your transaction, including for balance inquiries. in certain instances, we will reimburse you for these fees, Please see the c on below for details. 1 Rush Bil Payments may appear on your account statements and account activity as Same Day Payments. Afee applies to all Rush Bill Payments, lleyond Checking accounts will be reimbursed for Push Dill Payment ees. 3Subi'ect to limitations under applicable state laws. ' The fee applies to a maximum of five (5) items per day per account. A The fee will be waived for Savings Overdraft Protection transfers. However, Savings Overdraft Protection tmnslers will be counted in the total International Collections items (plus correspondent fee) .. Foreign bank drafts (purchased) ........................ Foreign currency bank notes (orders $250 and above) Foreign currency bank notes (orders less than $250) ..... Account Services .$ 17.50 .5 25.00 .5 7.50 $17.50 Check & ACH Stop Payment (per item)... ................... $ 30.00 Paper statement (per statement cycle) ...... . $ 1.00 Printed check images with paper statement (per statement cycle)E|.. $ 2.00 Overdraft Services Overdraft protection transfer fee (per daily transfer . Overdraft return (NSF)/overdraft paid (per item Other Levy/legal order... .. $ 3.00 $ 35.00 .. $125.00 Excess pre-authorize wr rawa s, rans or checks (Money Market/Savings) (per itemji. ......................... $ 9.00 Excess withdrawal (per item for Club a unts only ....... $ 3.00 ATM/Debit card research .................................... .$25.00/hour Cashed or deposited item returned (per item)... $ 15.00 Copies Statement copies .......................................................... Free $5.00lstatement .. $5.00/transac'cion ..... $25.00lstatement Statements with check copies &/or deposit slips only.. Deposit reconstruction Statements with check copies AND deposit reconstructions... Gift Cards Gift Cards available in amounts from $25 to $750 (per card ........... No purchase fee number of pre-authorized transactions done in the statement cycle. We may impose a lee for each withdravral in excess of six (6) that you make in any monthly period (based on your statement date). Please refer to the Personal Deposit Account Agreementlor details. 6We may impose a lee for each withdrawal in excess of three (3) that you make in any monthly period. Please refer to the Personal Deposit Account Agreement for details. 7 Other fees may apply. See Terms 8. Conditions for more information. Some fees are waived (./) for certain accounts, as described in this chart. Official Check Incoming Stop Check Excess Pre-Authorized Non-TD Overdraft Paper Fee and Money Wire Fee Payment Image withdrawals, transfers, ATM Protection Statement Order Fee Fee Fee or checks Fee Transfer Fee Fee TD Beyond Checking J J J J J J J TD 60 Plus Checking J J TD Convenience Checking J* VTD Preferred Savings J J J J J J Private Tiered Checking J J J J J J TD Private Tiered Savings J J J J J J All Other Personal Savings Accounts J Individual Development Products J J J J Family Development Products J J J J J *Overdrafl Protection Transfer Fees waived if the primary account holder is age ii to under 24 years of age; upon the primary account holders 24th birthday, the account will be subiectto an Overdraft Protection Transfer fee of $3 per daily transfer Some fees are reimbursed for certain accounts, as described in this chart. Non-TD ATM Overdraft/NSF 39mm\" .3"er 3": Account Type(s) "es aymen Surcharge Reimbursement\" Eligible Number of Reimbursements TD Beyond Checking Non-TD ATM surcharge tees for Checking Account transactions reimbursed 2 total per 1 per Month Unlimited to Customer's Checking Account at statement cycle close. Must maintain a Calendar Year (Domestic or minimum daily balance of $2,500 to be eligible Max: $70] International) Calendar Year TD Preferred Savings Non-TD ATM surcharge fees for Savings Account transactions reimbursed to Customer's Savings Account at statement cycle close. Must maintain a N/A N/A N/A minimum daily balance of $2,500 to be eligible All Private Banking Checking Accounts Non-TD ATM surcharge tees for Checking Account transactions reimbursed in CT DE MA ME NH NJ NY PA Rl to Customer's Checking Account at statement cycle close. Must maintain a N/A N/A NIA VT ' ' ' ' ' ' ' ' ' minimum daily balance of $2,500 to be eligible All Private Banking Checking Accounts Non-TD ATM surcharge fees for Checking Account transactions reimbursed in DC FL MD NC SC VA to Customers Checking Account at statement cycle close. Must maintain a N/A N/A N/A ' ' ' ' ' minimum daily balance of $0.01 to be eligible *The minimum daily balance requirement must be maintained for the entire statement cycle to be eligible for the surcharge reimbursement. if you close your Account during a given statement cycle, we will not reimburse you for surcharges incurred during that statement cycle. A TOW-Misc form will be sent to all Customers who at the end of the year have received a total of $600.00 or more in ATM surcharge reimbursements. This information will also be provided to the Internal Revenue Service. E Bank America's Most Convenient Bank'E Nlember FM | TD Band, N.A. l Visa U.S.A. Inc. 1-888-751-9000 I tdbank.com 59) l-RET (04/)9)