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(a) General Products and services of the TD Bank Financial Group are only offered in jurisdictions where they may be lawfully offered for sale. All products and services are subject to the terms of the applicable agreement. The information in this Website is subject to change without notice. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult with their financial adviser to determine if these securities may lawfully be sold in their jurisdiction. For further information, click here for:
VISA, Verified by VISA and Plus are Trade-Marks of VISA International Service Association/TD Canada Trust, licensed user of Marks. Chargex: TD Canada Trust, licensed user of Mark. Hotline is a registered trade-mark of Carlson Marketing Group (Canada) Ltd., Wal-Mart® is used under exclusive license in Canada. Interac and the Interac logo are Trade-Marks of Interac Inc., TD Canada Trust, authorized user of the Trade-Marks. The GM Card is a registered Trade-Mark of General Motors Corporation, TD Canada Trust, licensed user of the Mark. American Express: Used under license from American Express Company.
TD Market Growth GICs cannot be redeemed or cashed prior to maturity. "The S&P; 500 Index", "Standard & Poor's ", "S&P; ", "S&P; 500 ", "Standard & Poor's 500" and "500" are trade-marks of The McGraw-Hill Companies, Inc. TSX is a trade-mark of the Toronto Stock Exchange. These marks have been licensed for use by The Toronto-Dominion Bank. The Dow Jones EURO STOXX 50 Index is proprietary and copyrighted material. The Dow Jones EURO STOXX 50 Index and the related trademarks have been licensed for certain purposes by The Toronto-Dominion Bank. Neither STOXX Limited nor Dow Jones & Company, Inc. sponsors, endorses or promotes the products based on the Dow Jones EURO STOXX 50 Index. GIC PLUS, FINANCIALS GIC PLUS, ENERGY GIC PLUS, UTILITIES GIC PLUS, U.S. GIC PLUS and GLOBAL GIC PLUS products are not sponsored, endorsed, sold or promoted by Standard & Poor's or the Toronto Stock Exchange, and neither makes any representation, warranty or condition regarding the advisability of investing in these products. Returns for GLOBAL GIC PLUS are linked to the combined performance of the following stock market indices: S&P;/TSX 60, S&P; 500, FTSE 100, Nikkei 225, Dow Jones EURO STOXX 50. The indices shown, their associated stock exchanges or any entity that prepares or publishes such indices, and owners of any trade-marks associated with such indices or entities, are not associated with the GLOBAL GIC PLUS product . The weighting of each of these indices will be determined by The Toronto-Dominion Bank and may vary or fluctuate from day to day. Use of or reference to any index or trade-mark is intended to be generic only and does not imply endorsement by any such entity. Terms and Conditions Pertaining to Telephone Sales of
TD Waterhouse Discount Brokerage, TD Waterhouse Financial Planning, TD Waterhouse Institutional Services, TD Waterhouse Private Investment Advice and TD Waterhouse Partner Services are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank. TD Waterhouse Canada Inc. - Member CIPF. TD Waterhouse Private Trust services are offered by The Canada Trust Company. TD Waterhouse Private Banking services are offered by The Toronto-Dominion Bank. TD Waterhouse Private Investment Counsel Inc. is a subsidiary of The Toronto-Dominion Bank. TD Waterhouse Private Client Services means The Toronto-Dominion Bank and its related companies that provide deposit, investment, loan, securities, trust, insurance and other products and services. Insurance products and services are offered through TD Waterhouse Insurance Services Inc. by licensed insurance agents. TD Mutual Funds and TD Managed Assets Program are managed by TD Asset Management Inc., a wholly-owned subsidiary of The Toronto-Dominion Bank ("TD Bank") and are available through authorized dealers. TD Mutual Funds Education Savings Plan is offered by TD Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus, which contains detailed investment information and is available from your dealer, before investing. The indicated rates of return (other than for each money market fund) are the historical annual compounded total returns for the period indicated including changes in unit value and reinvestment of distributions. The indicated rates of return for each money market fund is an annualized historical yield based on the seven-day period ended on the date indicated [annualized in the case of effective yield by compounding the seven day return] and does not represent an actual one year return. The indicated rates of return do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. Their values change frequently. There can be no assurances that a money market fund will be able to maintain its net asset value per unit at a constant amount or that the full amount of your investment will be returned to you. Past performance may not be repeated. TD Mutual Funds and TD Managed Assets Program are qualified for sale in all provinces and territories of Canada. This site is not intended to solicit orders for the purchase of these funds in jurisdictions in which they may not legally be sold. The information in this communication is subject to change without notice. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult with their financial adviser to determine if these securities may lawfully be sold in their jurisdiction. Scotia Capital Markets Universe Bond Index (SMU) is a trademark of the Bank of Nova Scotia. TDAM is a licensed user. TM Morningstar is a registered trademark of Morningstar Research Inc. TDW is a registered user. Morningstar ratings reflect performance for the period indicated and are subject to change monthly. The ratings are calculated from the fund's 3,5 and 10 year returns measured against a 91-day treasury bill returns and peer returns for the category indicated. The top 10% of the mutual funds receive *****, the next 22.5% **** the next 35% ***, the next 22.5% ** and the lowest 10% *. The overall rating is a weighted combination of the 3,5 and 10 year ratings. For more information see Morningstar. Quartile rankings are compiled by sorting the funds by one-year return and range from 1 to 4 for all time periods covered and can change monthly. The top performing 25% of funds in each fund category are assigned a ranking of 1, the next 25% a 2 etc. Sharpe Measure is a ratio of returns generated by the fund, over and above risk-free rate of return and the total risk associated with it and can change monthly. A high and positive ratio shows superior performance and a low and negative ratio is an indication of unfavourable performance. TD Insurance encompasses TD Credit Protection and travel and accident insurance products offered by TD Bank, TD Life, The Canada Life Assurance Company, or Sun Life Assurance Company of Canada, TD Travel Insurance is underwritten by TD Life Insurance Company. Medical and claims assistance, claims and administrative services are provided by World Travel Protection Canada Inc. Auto Rental Collision/Loss Damage Waiver Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Purchase Assurance and Extended Warranty are underwritten by Elite Insurance Company. Common Carrier Travel Accident Insurance is underwritten by Chubb Insurance Company of Canada. CardAssist is provided by Carlson Marketing Group (Canada) Ltd. Emergency Assistance Services are provided by World Travel Protection Canada Inc. This is not an insurance benefit but insurance services only. Optional Balance Protection Insurance provides life and disability coverage underwritten by American Bankers Life Assurance Company of Florida (ABLAC), job loss insurance underwritten by American Bankers Insurance Company of Florida (ABIC) and accident insurance underwritten by TD Life Insurance Company (TD Life). The terms and conditions are outlined in the Certificate of Insurance which you will receive upon enrolment. Delayed and Lost Baggage Insurance underwritten by Elite Insurance Company. Commerce One, Many Markets, One Source., Global Trading Web, BuySite, Global Trading Platform, Common Business Library, XML Development Kit, XML Commerce Connector, MarketView, and SupplyOrder are either trademarks or registered trademarks of Commerce One, Inc. All other company, product, and brand names are trademarks of their respective owners.
"Prime Rate" means the annual interest rate established and reported by TD to the Bank of Canada from time to time as a reference rate of interest for determination of interest rates TD charges to customers of varying degrees of creditworthiness in Canada for Canadian dollar loans made by TD in Canada.
All insurance products are subject to limitations and conditions in the insurance policies and applicable legislation. TD Insurance Home and Auto products are offered by Primmum Insurance Company and TD Home and Auto Insurance Company across Canada, and TD General Insurance Company in Ontario, and are available in those jurisdictions where they may be legally offered. TD Insurance Home and Auto is a trademark of The Toronto-Dominion Bank and a trade name of Primmum Insurance Company, TD Home and Auto Insurance Company and TD General Insurance Company. TD Insurance Home and Auto has an ongoing commitment to helping its clients make informed property and casualty insurance choices. To further that aim, the TD Insurance Home and Auto insurance disclosure document on compensation of its duly licensed and fixed salaried representatives can be reviewed by clicking here. In addition, for more information on the Code of Consumer Rights and Responsibilities, click here. Due to provincial legislation, the TD Insurance Home and Auto automobile insurance program is not offered in British Columbia, Manitoba and Saskatchewan.
(b) Disclosure
In so far as the information on this site is issued in the UK or in Europe, it has been approved by TD Securities Limited (for investment business) or TD Bank Europe Limited (for banking business). You should note that prices, values and incomes of securities mentioned on this site may fall against your interests, and you may get less back as an investor than that which you put in. The investments mentioned on this site may not be suitable for all investors. If you have any doubts, you should seek advice from your investment advisor. You should note that income from investments may fluctuate. If an investment is denominated in a currency other than pounds sterling, changes in the rate of exchange may have an adverse effect on the value price or income of the investment. Past performance of an investment is not necessarily a guide to its future performance. Some investments may not be readily realizable, and it may therefore be difficult for you to sell or realize such investments, or to obtain reliable information about their value or the risks to which you are exposed in respect of them. Where reference is made to the effect of tax, you should note that levels and bases of taxation may change. Business carried on by TD Securities (U.S.A.) Inc. and TD Waterhouse Group, Inc. is not regulated in the UK. The regulatory regime and compensation arrangements in respect of such business may be different than that of the UK. The Toronto-Dominion Bank, a Canadian chartered bank with a branch office at Triton Court, 14/18 Finsbury Square, London EC2A 1DB, is authorised and regulated by the Financial Services Authority ("FSA"), and is entered in the FSA's Register (FSA registration no. 124859). TD Bank Europe Limited (FSA registration number: 165556), TD Securities Limited (FSA registration no: 173030) and TD Asset Management Limited (FSA registration number: 194415) are authorised and regulated by the Financial Services Authority ("FSA") and are entered in the FSA's Register, with their registered offices at Triton Court, 14/18 Finsbury Square, London EC2A 1DB. VAT registration number: 397 1030 51.
This information is not to be construed as an offer to sell or a solicitation to buy any securities in the United States of America or the territories or possessions thereof. U.S. persons who wish to transact in securities should contact the nearest office of TD Securities (USA) LLC.
H. TD Bank USA PATRIOT Act Certification
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