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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.
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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.
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 Canada Trust Market Growth GICs and Security GIC Plus
TD Canada Trust Market Growth GICs and Security GIC Plus 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, ENERGY GIC PLUS, UTILITIES GIC PLUS, U.S. GIC PLUS, GLOBAL GIC PLUS and Security 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 and TD Waterhouse Private Investment Advice 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.
Disclosure
TD Mutual Funds, TD e-Series Funds, and the TD Managed Assets Program are managed by TD Asset Management Inc. (“TDAM”), a wholly-owned subsidiary of The Toronto-Dominion Bank. Available through TD Investment Services Inc. (principal distributor), TD Waterhouse Canada Inc. (Member CIPF) and independent dealers.Regulatory restrictions prohibit TDAM from disclosing performance information for funds that have a history of less than one year.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus, which contains detailed investment information, 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 as indicated and 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.
Graphs are only used to illustrate the effects of the compound growth rate and do not reflect future values of any fund or returns on investment of any fund.
A 30-day early redemption fee of up to 2%, payable to the fund, may apply to all units of TD Mutual Funds and TD Managed Assets Program Portfolios (excluding TD Money Market Funds and e-Series units). A 90-day early redemption fee of up to 2%, payable to the fund, may apply to all e-Series units of TD Mutual Funds and TD Managed Assets Program Portfolios.
TD Index Funds seek to track the performance of the corresponding index primarily through the use of derivatives. The performance of the TD Index Funds is expected to be lower than the performance of the corresponding index.
®© 2008 Morningstar is a registered mark of Morningstar Research Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. You may obtain a copy of a current prospectus from your financial advisor.
The Morningstar Risk-Adjusted Ratings (MRARs), commonly referred to as the Star Rating, relate the risk-adjusted performance of a fund to its peers within the same CIFSC Fund Category for the period ended as noted and are subject to change monthly. Morningstar calculates ratings for categories with at least 5 funds. To determine a fund’s rating, the fund and its peer are ranked by their MRARs. If a fund scores in the top 10% of its category, it receives five stars (High); if it falls in the next 22.5%, it receives four stars (Above Average); the next 35% earns a fund three stars (Neutral or Average); those in the next 22.5% receive two stars (Below Average); and the lowest 10% receive one star (Low). The Overall Rating is a weighted combination of the 3, 5 and 10-year ratings. For greater detail, see www.morningstar.ca.
Quartile rankings are compiled by sorting the funds by returns 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.
Disclosure for Dow Jones Industrial Average Index Funds
Dow Jones, Dow Jones Industrial Average, DJIA, and the Dow are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by TD Asset Management Inc. TD Asset Management’s Dow Jones Industrial Average Index Fund based on the Dow Jones Industrial Average is not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation regarding the advisability of investing in such product.Disclosure for MSCI-EAFE Index Funds
The MSCI EAFE Index Net Dividend (C$), MSCI EAFE Index Net Dividend (US$), MSCI Europe Index Gross Dividend (C$), and MSCI Japan Index Gross Dividend (C$) (“MSCI Indexes”) are trade or service marks of Morgan Stanley Capital International (“MSCI”) and its affiliates and has been licensed for use for certain purposes by TD Asset Management Inc. (“TDAM”). TD International Index Fund, TD International Index Currency Neutral Fund, TD European Index Fund and TD Japanese Index Fund (the “Index Funds”), based on the MSCI Indexes, have not been passed on by MSCI as to its legality or suitability, and is not issued, sponsored, endorsed, sold or promoted by MSCI. MSCI has no responsibility for and does not participate in the management of the Index Funds’ assets or sale of the Index Funds’ shares. The prospectus contains a more detailed description of the limited relationship MSCI has with TDAM and the Index Funds.Disclosure for Nasdaq® Index Funds
The TD Nasdaq® Index Fund is not sponsored, endorsed, sold or promoted by The NASDAQ OMX Group, Inc. (including its affiliates) (NASDAQ OMX, with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Fund. The Corporations make no representation or warranty, express or implied to the unitholders of the Fund or any member of the public regarding the advisability of investing in securities generally or in the Fund particularly, or the ability of the Nasdaq-100 Index® to track general stock market performance. The Corporations’ only relationship to TDAM is in the licensing of the Nasdaq®, OMX™, Nasdaq-100®, and Nasdaq-100 Index®, registered trademarks, and certain trade names.Disclosure for S&P; Index Funds
The S&P; 500 Index is a trademark of The McGraw-Hill Companies, Inc. and have been licensed for use by The Toronto-Dominion Bank. The TD U.S. Index Fund and TD U.S. Index Currency Neutral Fund are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of investing in the Fund.Disclosure for S&P;/TSX Index Funds
“Standard & Poor’s®”. and “S&P;®” are trade-marks of The McGraw-Hill Companies, Inc. “TSX” is a trade-mark of TSX Inc. These marks have been licensed for use by The Toronto-Dominion Bank. The TD Canadian Index Fund is not sponsored, endorsed, sold or promoted by Standard & Poor’s or TSX Inc. and neither party makes any representation, warranty or condition regarding the advisability of investing in the Fund.Disclosure for SAM Indexes GmbH
Dow Jones Sustainability IndexesSM and the referenced trademarks have been licensed for use for certain purposes by TD Asset Management Inc. TD Asset Management Inc.’s TD Global Sustainability Fund based on the Dow Jones Sustainability IndexSM is not sponsored, endorsed, sold or promoted by SAM Indexes GmbH, Dow Jones & Company, Inc., or any of their respective affiliates. Neither SAM Indexes GmbH, Dow Jones & Company, Inc. nor any of their respective affiliates makes any representation regarding the advisability of investing in such product(s).TD Guaranteed Investment Funds II Disclosure
TD Guaranteed Investment Funds II is available through selected Life Licensed Agents.TD Guaranteed Investment Funds II (“TD GIF II”) policies are Individual Variable Insurance Contracts issued by Transamerica Life Canada (“Transamerica”) and are managed by TD Asset Management Inc. Transamerica is the issuer of the TD GIF II contract.
A complete description of the key features of TD GIF II is contained in the TD GIF II Annuity Policy and Information Folder. In the event of any discrepancy between the Annuity Policy and Information Folder and this document, the Annuity Policy and Information Folder take precedence. Any amount that is allocated to a segregated fund is invested at the risk of the Contract Owner and may increase or decrease in value. When entering into an Individual Variable Insurance Contract, and purchasing TD GIF II, investors are depositing money to their contract and are not buying units of the TD Mutual Funds and therefore do not possess any of the rights and privileges of the unitholders of such funds. The performance of TD GIF II will be slightly less than that of the underlying TD Mutual Funds due to the cost of the guarantee and benefit features. Past performance is not indicative of future performance and investment returns will fluctuate. TD Mutual Funds are offered by TD Asset Management Inc., a wholly-owned subsidiary of The Toronto-Dominion Bank.
®Transamerica and the pyramid design are registered trademarks of Transamerica Corporation. Transamerica is licensed to use such marks.
TD Guaranteed Investment Funds II are only available to Canadian residents. This is not intended as a solicitation for the purchase of these products or services in jurisdictions in which they may not be legally sold. Persons resident or located in other countries are not eligible to purchase these products or associated services.
Quebec Residents – This information is not intended to be construed as an offer to sell or a solicitation to buy any securities or a solicitation to buy any securities or insurance products in Quebec.
TD Insurance encompasses :
TD Insurance Credit Protection and TD Insurance Travel insurance products offered by The Toronto Dominion Bank and underwritten by TD Life Insurance Company, The Canada Life Assurance Company, or Sun Life Assurance Company of Canada ;
TD Insurance Life and Health products underwritten by TD Life Insurance Company and distributed by TD Assurance Agency Inc.;
TD Insurance Home & Auto products underwritten by TD Home and Auto Insurance Company , TD General Insurance Company and Primmum Insurance Company ;
TD Insurance Meloche Monnex program underwritten by Security National Insurance Company and Primmum Insurance Company and distributed by Meloche Monnex Financial Services Inc. and Meloche Monnex Insurance and Financial Services Inc.
"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.
Principles for the Sale of Insurance – A Consumer Protection Document for Residents of Newfoundland and Labrador
It's important that all our clients understand their rights regarding insurance. We take pride in ensuring that your rights are protected at all times and that your insurance meets your needs and keeps you properly protected. As your insurance provider of choice, we offer you a wide range of coverage options along with various deductible levels and discounts. To ensure you have the deductible that meets your needs and that you’re benefiting from all eligible discounts, please visit us online or contact your local Client Services Centre.
Principles for the Sale of Insurance – A Consumer Protection Document
A special document developed by the Superintendent of Insurance for Newfoundland & Labrador is available for consultation.
Its purpose is to keep you informed of your rights regarding the sale and purchase of home and auto insurance. Contact information is also available if you have any questions or concerns.
More information available on the TD Canada Trust Insurance page.
(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