Please ask P44 if he ever heard of " Private Banking " with TD ? BTW, I am not with them.

With all his wealth, humour and other knowledge, that should be a given. I do love the " underdressed, shuffling to the counter " theme, do it all the time, my sons, when with me, want to kill me, but they do get service, and fast.

I hope for him that he talks past times, because 21.5 % for employees on their OD ? They might as well pay with their credit card !

1% over prime !? Does it not say somewhere, Prime Rate is for the Bank's best customer ? Try it, it worked for me. ( almost, close, LoL).

Banks, negotiate !