See below schedule of fees from a bank. 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 mini-statements)... Free Each withdrawal, transfer, & balance inquiry conducted at a non-TD ATMI... $ 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 to/from other institutions........ Free Bill Pay Scheduled or Next Day Bill Payment... Free Rush Bill Payment...... 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)....... $ 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 for the network) may assess a fee (surcharge) at the time of your hansaction, including for balance inquiries. In certain instances, we will reimburse you for these foes. Please see the chart below for details. ? Rush Bill Payments may appear on your account solements and account activity is Some Day Payments. A lee applies to all Rush Bill Payments, Beyond Checking accounts will be reimbursed for Rush Bill Payment lees. 3 Subject to limitations under applicable state laws The fee applies to a maximum of five (5) items per day per account. The fee will be wolved for Savings Overdraft Protection transfers. However, Savings Overdraft Protection fransfers will be counted in the total International Collections items (plus correspondent fee).... . $ 17.50 Foreign bank drafts (purchased) .. $ 25.00 Forelgn currency bank notes (orders $250 and above)..... $ 7.50 Foreign currency bank notes (orders less than $250) $ 17.50 Account Services Check & ACH Stop Payment (per item).. $ 30.00 Paper statement (per statement cycle)..... $ 1.00 Printed check images with paper statement (per statement cycle)..............$ 2.00 Overdraft Services Overdraft protection transfer fee (per daily transfer $ 3.00 Overdraft - return (NSF)overdraft - paid (per item $ 35.00 Other Levy/legal order........... . $125.00 Excess pre-authorized withdrawals, transfers or checks (Money Market/Savings) (per items! ... $ 9.00 Excess withdrawal (per item - for Club accounts only .... $ 3.00 ATM/Debit card research..................... ..............$25.00/hour Cashed or deposited item returned (per item)........ ......... $ 15.00 Copies Statement copies........ ........ ......... Free Statements with check copies &/or deposit slips only ................... $5.00/statement Deposit reconstruction... ..... ............. $5.00/transaction Statements with check copies AND deposit reconstructions............ $25.00/statement Gift Cards Gift Cards available in amounts from $25 to $750 (per card ...........No purchase fee number of pre-outhorized transactions done in the statement cycle. We may impose a fee for each withdrawal in excess of six (6) that you make in any monthly period based on your statement date). Please refer to the Personal Deposit Account Agreement for details. "We may impose a fee 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. Other fees may apply. See Terms & 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 TD 60 Plus Checking TD Convenience Checking TD Preferred Savings Private Tiered Checking TD Private Tiered Savings All Other Personal Savings Accounts Individual Development Products Family Development Products *Overdraft Protection Transfer Fees waived if the primary account holder is oge 17 to under 24 years of age; upon the primary account holders 24th birthday, the account will be subject to 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 outgoing Rush Bill Account Type(s) Payment Surcharge Reimbursement* Eligible Number of Reimbursements TD Beyond Checking Non-TD ATM surcharge fees 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 fees for Checking Account transactions reimbursed in CT, DE, MA, ME, NH, NJ, NY, PA, RI, to Customer's Checking Account at statement cycle close. Must maintain a NIA N/A N/A minimum daily balance of $2,500 to be eligible VT All Private Banking Checking Accounts Non-TD ATM surcharge fees for Checking Account transactions reimbursed in DC, FL, MD, NC, SC, VA to Customer's Checking Account at statement cycle close. Must maintain 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 cyde to be eligible for the surcharge reimbursement. If you close your Account during a given statement cyde, we will not reimburse you for surcharges incurred during that statement cycle. A 1099- Misc Form will be sent to al Customers who at the end of the year have received a total of $600.00 or more in ATM surcharge reimbursements. This information will also be provided to the Internal Revenue Service. Personal Fee Schedule Checks Money orders. .$ 5.00 Official checks .$ 8.00 ATM/Debit Cards Transactions conducted at TD ATMs in the U.S. and Canada (including mini-statements)... Free Each withdrawal, transfer, & balance inquiry conducted at a non-TD ATMI... $ 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 to/from other institutions........ Free Bill Pay Scheduled or Next Day Bill Payment... Free Rush Bill Payment...... 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)....... $ 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 for the network) may assess a fee (surcharge) at the time of your hansaction, including for balance inquiries. In certain instances, we will reimburse you for these foes. Please see the chart below for details. ? Rush Bill Payments may appear on your account solements and account activity is Some Day Payments. A lee applies to all Rush Bill Payments, Beyond Checking accounts will be reimbursed for Rush Bill Payment lees. 3 Subject to limitations under applicable state laws The fee applies to a maximum of five (5) items per day per account. The fee will be wolved for Savings Overdraft Protection transfers. However, Savings Overdraft Protection fransfers will be counted in the total International Collections items (plus correspondent fee).... . $ 17.50 Foreign bank drafts (purchased) .. $ 25.00 Forelgn currency bank notes (orders $250 and above)..... $ 7.50 Foreign currency bank notes (orders less than $250) $ 17.50 Account Services Check & ACH Stop Payment (per item).. $ 30.00 Paper statement (per statement cycle)..... $ 1.00 Printed check images with paper statement (per statement cycle)..............$ 2.00 Overdraft Services Overdraft protection transfer fee (per daily transfer $ 3.00 Overdraft - return (NSF)overdraft - paid (per item $ 35.00 Other Levy/legal order........... . $125.00 Excess pre-authorized withdrawals, transfers or checks (Money Market/Savings) (per items! ... $ 9.00 Excess withdrawal (per item - for Club accounts only .... $ 3.00 ATM/Debit card research..................... ..............$25.00/hour Cashed or deposited item returned (per item)........ ......... $ 15.00 Copies Statement copies........ ........ ......... Free Statements with check copies &/or deposit slips only ................... $5.00/statement Deposit reconstruction... ..... ............. $5.00/transaction Statements with check copies AND deposit reconstructions............ $25.00/statement Gift Cards Gift Cards available in amounts from $25 to $750 (per card ...........No purchase fee number of pre-outhorized transactions done in the statement cycle. We may impose a fee for each withdrawal in excess of six (6) that you make in any monthly period based on your statement date). Please refer to the Personal Deposit Account Agreement for details. "We may impose a fee 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. Other fees may apply. See Terms & 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 TD 60 Plus Checking TD Convenience Checking TD Preferred Savings Private Tiered Checking TD Private Tiered Savings All Other Personal Savings Accounts Individual Development Products Family Development Products *Overdraft Protection Transfer Fees waived if the primary account holder is oge 17 to under 24 years of age; upon the primary account holders 24th birthday, the account will be subject to 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 outgoing Rush Bill Account Type(s) Payment Surcharge Reimbursement* Eligible Number of Reimbursements TD Beyond Checking Non-TD ATM surcharge fees 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 fees for Checking Account transactions reimbursed in CT, DE, MA, ME, NH, NJ, NY, PA, RI, to Customer's Checking Account at statement cycle close. Must maintain a NIA N/A N/A minimum daily balance of $2,500 to be eligible VT All Private Banking Checking Accounts Non-TD ATM surcharge fees for Checking Account transactions reimbursed in DC, FL, MD, NC, SC, VA to Customer's Checking Account at statement cycle close. Must maintain 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 cyde to be eligible for the surcharge reimbursement. If you close your Account during a given statement cyde, we will not reimburse you for surcharges incurred during that statement cycle. A 1099- Misc Form will be sent to al 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