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Margin account and interest rates

A margin account can help you execute your trading strategy. TD Ameritrade offers margin accounts that
help provide you with leverage and competitive cash sweep vehicle interest rates.

Margin Rates
Margin interest rates vary due to the base rate and the size of the debit balance. When setting base rates,
TD Ameritrade considers indicators like commercially recognized interest rates, industry conditions related
to credit, the availability of liquidity in the marketplace, and general market conditions. As of June 17, 2022
the current base rate is 9.75%.

Under $10,000

Above/Below Base Rate

1.25%

Effective Rate

11.00%

$10,000.00 - $24,999.99

Above/Below Base Rate

1.00%

Effective Rate

10.75%

$25,000.00 - $49,999.99

Above/Below Base Rate

0.75%

Effective Rate

10.50%
 $50,000.00 - $99,999.99

Above/Below Base Rate

-0.25%

Effective Rate

9.50%

$100,000.00 - $249,999.99

Above/Below Base Rate

-0.50%

Effective Rate

9.25%

$250,000.00 - $499,999.99*

Above/Below Base Rate

-0.75%

Effective Rate

9.00%

*For balance tiers over $500K, please call 800-655-4777 to learn about our latest rate offers.

Cash Sweep Vehicles Interest Rates

TD Ameritrade FDIC Insured Deposit Account Rates - Core

Effective June 24, 2022. Subject to change without prior notice. Please call 800-669-3900.

$0.01 - $4,999.99

Interest Rate
0.10%

Annual Percentage Yield

0.10%

$5,000.00 - $24,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$25,000.00 - $99,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$100,000.00 - $199,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$200,000.00 - $499,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$500,000.00 - $999,999.99

Interest Rate
 0.10%

Annual Percentage Yield

0.10%

$1,000,000 +

Interest Rate

0.10%

Annual Percentage Yield

0.10%

TD Ameritrade FDIC Insured Deposit Account Rates - Plus

Effective June 24, 2022. Subject to change without prior notice.Please call 800-669-3900. The Plus IDA is a
program for TD Ameritrade clients with $1 million or more in assets.**

$0.01 - $4,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$5,000.00 - $24,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$25,000.00 - $99,999.99

Interest Rate

0.10%
 Annual Percentage Yield

0.10%

$100,000.00 - $199,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$200,000.00 - $499,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$500,000.00 - $999,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$1,000,000 +

Interest Rate

0.10%

Annual Percentage Yield

0.10%

TD Ameritrade Cash Rates

Effective June 24, 2022. Subject to change without prior notice. Please call 800-669-3900.

$0.01 - $4,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$5,000.00 - $24,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$25,000.00 - $99,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$100,000.00 - $199,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$200,000.00 - $499,999.99

Interest Rate

0.10%
 Annual Percentage Yield

0.10%

$500,000.00 - $999,999.99

Interest Rate

0.10%

Annual Percentage Yield

0.10%

$1,000,000 +

Interest Rate

0.10%

Annual Percentage Yield

0.10%

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Applies to U.S. exchange-listed stocks, ETFs, and options. A $0.65 per contract fee applies for options
trades. A $6.95 commission applies to trades of over-the-counter (OTC) stocks, which includes stocks not
listed on a U.S. exchange.

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Margin trading increases risk of loss and includes the possibility of a forced sale if account equity drops below required
levels. Margin is not available in all account types. Margin trading privileges subject to TD Ameritrade review and approval.
Carefully review the Margin Handbook and Margin Disclosure Document for more details.

Cash in the IDA is held at one or more Program Bank. Three of the Program Banks are Charles Schwab Bank, SSB; Charles
Schwab Premier Bank, SSB; and Charles Schwab Trust Bank, each an affiliate of TD Ameritrade. Each bank’s insurance will
cover your cash balances up to the current $250,000 per-depositor FDIC maximum for bank failure. By utilizing multiple
banks, the IDA has been structured to provide you with FDIC insurance of up to $500,000 per depositor in each recognized
legal capacity (e.g., up to $500,000 for individual accounts and $1,000,000 for joint accounts). To learn more about FDIC
coverage go to www.FDIC.gov.

Non-Deposit Investment Products: NOT FDIC INSURED-NO BANK GUARANTEE-MAY LOSE VALUE.

**The Plus IDA rate is available for TD Ameritrade clients with $1 million or more in account value. Clients who meet this
threshold for three consecutive business days within any monthly “sweep period” become eligible for the Plus IDA rate at
the beginning of the next sweep period, and remain eligible for the subsequent 12 month period. If account value falls
below $1 million during any monthly sweep period , thereafter, TD Ameritrade in its sole discretion, may stop paying the
Plus IDA rate. The IDA rate applicable to your account will appear on your Positions page under Cash and Cash Alternatives.

Interest rates paid on balances in the IDA and TD Ameritrade Cash are based on tiers. The previous day’s closing balance
determines eligibility for a particular tier each day. Interest is accrued daily based on the interest rate tier applicable to
each day’s balance and is credited monthly on the last business day. In accordance with the Client Agreement, TD
Ameritrade may change the tiers and rates at its discretion and without notice and the same rate may apply to more than
one tier. Rate changes may vary by program, location, or arrangement.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or
solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons
residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

TD Ameritrade, Inc., member FINRA/SIPC, a subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark
jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2022 Charles Schwab & Co., Inc. All
rights reserved.