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TD Waterhouse Annual Interest Rates


Direct Trading Accounts
  CDN $ US $
Margin Debit Balances    
   All Balances 5.75% 6.00%
Cash Credit Balances    
   $0 - $24,999 0.00% 0.25%
   $25,000 - $99,999 0.50% 0.50%
   $100,000+ 1.25% 0.75%
Registered Plans (SDRSP/SDRIF)
  CDN $  
Cash Credit Balances    
   $0 - $24,999 0.00%  
   $25,000 - $99,999 0.00%  
   $100,000+ 0.50%  
President's Account
  CDN $ US $
Margin Debit Balances    
   $0 - $24,999 5.50% 6.00%
   $25,000 - $99,999 5.50% 5.75%
   $100,000+ 4.75% 5.50%
Cash Credit Balances    
   $0 - $24,999 0.50% 1.00%
   $25,000 - $99,999 1.25% 1.25%
   $100,000+ 2.00% 1.50%
Registered Cash Credit Balances    
   $0 - $24,999 0.50%  
   $25,000 - $99,999 1.00%  
   $100,000+ 1.75%  

TD Bank Prime (CDN) Rate: 4.750%
Effective Date: April 23, 2008

US Prime Rate: 5.000%
Effective Date: May 1, 2008

Note: The effective date reflects the date which TD last altered its prime lending rate.

Rates are subject to change without notice at any time.