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TD Waterhouse Annual Interest Rates

Direct Trading Accounts
	CDN $	US $
Margin Debit Balances
All Balances	4.000%	4.500%
Cash Credit Balances
$0 - $24,999	0.000%	0.000%
$25,000 - $99,999	0.000%	0.000%
$100,000 - $499,999	0.000%	0.000%
$500,000 - $999,999	0.200%	0.100%
$1,000,000+	0.400%	0.100%
Registered Plans (SDRSP/SDRIF)
	CDN $
Cash Credit Balances
$0 - $24,999	0.025%
$25,000 - $99,999	0.025%
$100,000 - $499,999	0.025%
$500,000 - $999,999	0.200%
$1,000,000+	0.400%
President's Account
	CDN $	US $
Margin Debit Balances
$0 - $24,999	3.750%	4.500%
$25,000 - $99,999	3.500%	4.250%
$100,000+	2.750%	3.750%
Cash Credit Balances
$0 - $24,999	0.000%	0.000%
$25,000 - $99,999	0.000%	0.000%
$100,000 - $499,999	0.000%	0.000%
$500,000 - $999,999	0.200%	0.100%
$1,000,000+	0.400%	0.100%
Registered Cash Credit Balances
$0 - $24,999	0.025%
$25,000 - $99,999	0.025%
$100,000 - $499,999	0.025%
$500,000 - $999,999	0.200%
$1,000,000+	0.400%

All rates are current as of July 21, 2010*

* Note: Interest is calculated based on your closing daily credit and/or debit balance in your TD Waterhouse Discount Brokerage account and is posted to your account monthly. The interest accrual period includes the 16th day of the previous month to the 15th day of the current month. Interest accrued in non-registered accounts will not be charged and/or paid for amounts less than $5. Rates quoted in each tier are applicable to the full credit and/or debit balance in your account and are subject to change at any time without notice.



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