Legal Notices and Disclaimer of Liability
(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. Interac and the Interac logo are Trade-Marks of Interac Inc., TD Canada Trust, authorized user of the Trade-Marks. 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 Direct Investing (new business name) and TD Waterhouse Discount Brokerage (former business name) both refer to a single division of TD Waterhouse Canada Inc. TD Wealth Financial Planning (new business name) and TD Waterhouse Financial Planning (former business name) both refer to a single division of TD Waterhouse Canada Inc. TD Wealth Private Investment Advice (new business name) and TD Waterhouse Private Investment Advice (former business name) both refer to a single division of TD Waterhouse Canada Inc. TD Institutional Services (new business name) and TD Waterhouse Institutional Services (former business name) both refer to a single division of TD Waterhouse Canada Inc. TD Waterhouse Canada Inc. is a subsidiary of The Toronto-Dominion Bank. TD Waterhouse Canada Inc. - Member of the Canadian Investor Protection Fund.
TD Wealth Private Client Group (current name) and TD Waterhouse Private Client Services (former name) both refer to the products and services offered by TD Waterhouse Private Investment Counsel Inc., TD Wealth Private Trust and TD Wealth Private Banking. TD Wealth Private Trust refers to the products and services offered by The Canada Trust Company. TD Wealth Private Banking refers to the products and services offered by The Toronto-Dominion Bank. TD Wealth Private Investment Counsel refers to the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank. TD Harbour Capital is a division of TD Waterhouse Private Investment Counsel Inc. TD Wealth Insurance Services means TD Waterhouse Insurance Services Inc., a member of TD Bank Group. All insurance products and services are offered by the life licensed advisors of TD Waterhouse Insurance Services Inc. TD Registered Plan Trust Services refers to products and services offered by The Canada Trust Company. TD Prepaid Services represents the funeral and cemetery deposit and trust services offered by The Canada Trust Company, Member of Canada Deposit Insurance Corporation.
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). The performance of an Index fund is expected to be lower than the performance of its respective index. Investors cannot invest directly in an index. Comparisons to indices have limitations because indices have volatility and other material characteristics that may differ from a particular mutual fund. TD Mutual Funds are managed by TD Asset Management Inc. (“TDAM”), a wholly-owned subsidiary of The Toronto-Dominion Bank (“TD Bank”) and are available through authorized dealers. TD Mutual Funds Corporate Class are issued by TD Mutual Funds Corporate Class Ltd. 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. Regulatory restrictions limit publishing performance returns for funds or portfolios with a history of less than one year. ®/TM©2013 Morningstar and the Morningstar Rating are registered marks of Morningstar Research Inc. All rights reserved. Disclosure for TD Dow Jones Industrial AverageSM Index Fund The Dow Jones Industrial AverageSM is a product of Dow Jones Indexes, a licensed trademark of CME Group Index Services LLC (“CME”), and has been licensed for use. “Dow Jones®”, “Dow Jones Industrial AverageSM”, “DJIASM” and “Dow Jones Indexes” are service marks of Dow Jones Trademark Holdings, LLC (“Dow Jones”)[, have been licensed to CME] and have been [sub]licensed for use for certain purposes by TDAM. TDAM’s TD Dow Jones Industrial AverageSM Index Fund based on the Dow Jones Industrial AverageSM, is not sponsored, endorsed, sold or promoted by Dow Jones, CME or their respective affiliates and none of them making any representation Disclosure for TD Emerald International Equity Index Fund, TD International Index Fund, TD International Index Currency Neutral Fund, TD European Index Fund, and TD Japanese Index Fund THESE FUNDS ARE NOT SPONSORED, ENDORSED, SOLD OR PROMOTED BY MSCI INC. (“MSCI”), ANY OF ITS AFFILIATES, ANY OF ITS INFORMATION PROVIDERS OR ANY OTHER THIRD PARTY INVOLVED IN, OR RELATED TO, COMPILING, COMPUTING OR CREATING ANY MSCI INDEX (COLLECTIVELY, THE “MSCI PARTIES”). THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY OF MSCI. MSCI AND THE MSCI INDEX NAMES ARE SERVICE MARK(S) OF MSCI OR ITS AFFILIATES AND HAVE BEEN LICENSED FOR USE FOR CERTAIN PURPOSES BY TD BANK. NONE OF THE MSCI PARTIES MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO THE ISSUER OR UNITHOLDERS OF THESE FUNDS OR ANY OTHER PERSON OR ENTITY REGARDING THE ADVISABILITY OF INVESTING IN FUNDS GENERALLY OR IN THESE FUNDs PARTICULARLY OR THE ABILITY OF ANY MSCI INDEX TO TRACK CORRESPONDING STOCK MARKET PERFORMANCE. MSCI OR ITS AFFILIATES ARE THE LICENSORS OF CERTAIN TRADEMARKS, SERVICE MARKS AND TRADE NAMES AND OF THE MSCI INDEXES WHICH ARE DETERMINED, COMPOSED AND CALCULATED BY MSCI WITHOUT REGARD TO THESE FUNDS OR THE ISSUER OR UNITHOLDERS OF THESE FUNDS OR ANY OTHER PERSON OR ENTITY. NONE OF THE MSCI PARTIES HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUER OR UNITHOLDERS OF THESE FUNDS OR ANY OTHER PERSON OR ENTITY INTO CONSIDERATION IN DETERMINING, COMPOSING OR CALCULATING THE MSCI INDEXES. NONE OF THE MSCI PARTIES IS RESPONSIBLE FOR OR HAS PARTICIPATED IN THE DETERMINATION OF THE TIMING OF, PRICES AT, OR QUANTITIES OF THESE FUNDS’ UNITS TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY OR THE CONSIDERATION INTO WHICH THESE FUNDS’ UNITS ARE REDEEMABLE. FURTHER, NONE OF THE MSCI PARTIES HAS ANY OBLIGATION OR LIABILITY TO THE ISSUER OR UNITHOLDERS OF THESE FUNDS OR ANY OTHER PERSON OR ENTITY IN CONNECTION WITH THE ADMINISTRATION, MARKETING OR OFFERING OF THESE FUNDS. ALTHOUGH MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION OF THE MSCI INDEXES FROM SOURCES THAT MSCI CONSIDERS RELIABLE, NONE OF THE MSCI PARTIES WARRANTS OR GUARANTEES THE ORIGINALITY, ACCURACY AND/OR THE COMPLETENESS OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE ISSUER OF THE FUNDS, UNITHOLDERS OF THE FUNDS, OR ANY OTHER PERSON OR ENTITY, FROM THE USE OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES SHALL HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS OF OR IN CONNECTION WITH ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. FURTHER, NONE OF THE MSCI PARTIES MAKES ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, AND THE MSCI PARTIES HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO EACH MSCI INDEX AND ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL ANY OF THE MSCI PARTIES HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. No purchaser, seller or holder of any units of the Funds, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote the Funds without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI. Disclosure for TD Nasdaq® Index Fund 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 TD U.S. Index Fund, TD U.S. Currency Neutral Fund, and TD Emerald U.S. Market Index Fund The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by TD Bank. Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by TD Bank. The Funds are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the unitholders of the Funds or any member of the public regarding the advisability of investing in securities generally or in the Funds particularly or the ability of the S&P 500 Index to track general market performance. S&P Dow Jones Indices’ only relationship to TD Bank with respect to the S&P 500 Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors. The S&P 500 Index is determined, composed and calculated by S&P Dow Jones Indices without regard to TD Bank or the Funds. S&P Dow Jones Indices have no obligation to take the needs of TD Bank or the unitholders of the Funds into consideration in determining, composing or calculating the S&P 500 Index. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of the Funds’ units or the timing of the issuance or sale of the Funds’ units or in the determination or calculation of the equation by which the Funds’ units are to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or offering of the Funds. There is no assurance that investment products based on the S&P 500 Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to the Funds currently being issued by TD Asset Management Inc., a wholly-owned subsidiary of TD Bank, but which may be similar to and competitive with the Funds. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the S&P 500 Index. S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500 INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY TD BANK, UNITHOLDERS OF THE FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND TD BANK, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES. Disclosure for TD Canadian Index Fund and TD Emerald Canadian Equity Index Fund The "S&P/TSX Composite Index" (the “Index”) is a product of “SPDJI”, and has been licensed for use by TD Bank. Standard & Poor’s® and S&P® are registered trademarks of S&P; Dow Jones® is a registered trademark of Dow Jones; TSX is a trademark of the TSX Inc.; and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by TD Bank. The Funds are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes 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 Funds particularly or the ability of the S&P/TSX Composite Index to track general market performance. S&P Dow Jones Indices’ only relationship to TD Bank with respect to the S&P/TSX Composite Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P/TSX Composite Index is determined, composed and calculated by S&P Dow Jones Indices without regard to TD Bank or the Funds. S&P Dow Jones Indices have no obligation to take the needs of TD Bank or the unitholders of the Funds into consideration in determining, composing or calculating the S&P/TSX Composite Index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the Funds’ units or the timing of the issuance or sale of the Funds’ units or in the determination or calculation of the equation by which the Funds’ units are to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or offering of the Funds. There is no assurance that investment products based on the S&P/TSX Composite Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY TD BANK, UNITHOLDERS OF THE FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND TD BANK, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES. Disclosure for TD Global Sustainability Fund 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. 
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. 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.
"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.
(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. 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
I. TD Bank, America’s Most Convenient Bank TD Bank, America’s Most Convenient Bank means TD Bank, N.A. and is a member of TD Bank Financial Group. In addition to banking products, the Bank and its subsidiaries provide clients with comprehensive wealth management services and insurance products and services.
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