(a) General

Products and services of the TD Bank 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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TD Canada Trust Market Growth GICs

TD Canada Trust Market Growth GICs cannot be redeemed or cashed prior to maturity unless for RIF or RESP payments.

"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.

TD Canadian Banks GIC, TD Canadian Top 60 GIC, TD Canadian Banking & Utilities GIC, and TD U.S. Top 500 GIC, 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.

Terms and Conditions Pertaining to Telephone Sales of TD Canada Trust Market Growth GICs:

• If you purchase one of the TD Canada Trust Market Growth GICs over the telephone and do not receive at the time of purchase a TD Canada Trust Market Growth GIC Disclosure Statement, you may rescind the purchase within 48 hours of actual or deemed receipt of a Disclosure Statement.
• You are, by law, deemed to have received the Disclosure Statement five days after the postmark date of such statement when sent by us.

Upon the exercise of the rescission right, TD Canada Trust will refund to you the Principal, if any, deposited pursuant to the purchase and any fees relating to the purchase that you have paid.

Business Titles used by TD Waterhouse Canada Inc.

TD Direct Investing

TD Investment Services Inc.:

Mutual Funds Representatives with TD Investment Services Inc. distribute mutual funds at TD Canada Trust.

TD Asset Management Inc.

General Disclosures:

The information contained herein is for information purposes only. The information has been drawn from sources believed to be reliable. Graphs and charts are used for illustrative purposes only and do not reflect future values or future performance of any investment. The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual's objectives and risk tolerance.

Certain statements in this website may contain forward-looking statements (“FLS”) that are predictive in nature and may include words such as “expects”, “anticipates”, “intends”, “believes”, “estimates” and similar forward-looking expressions or negative versions thereof. FLS are based on current expectations and projections about future general economic, political and relevant market factors, such as interest and foreign exchange rates, equity and capital markets, the general business environment, assuming no changes to tax or other laws or government regulation or catastrophic events. Expectations and projections about future events are inherently subject to risks and uncertainties, which may be unforeseeable. Such expectations and projections may be incorrect in the future. FLS are not guarantees of future performance. Actual events could differ materially from those expressed or implied in any FLS. A number of important factors including those factors set out above can contribute to these digressions. You should avoid placing any reliance on FLS.

Any indices cited are widely accepted benchmarks for investment and represent non-managed investment portfolios. It is not possible to invest directly in an index. Information about the indices allows for the comparisons of an investment strategy's results to that of a widely recognized market index. There is no representation that such index is an appropriate benchmark for such comparison. Results for an index do not reflect trading commissions and costs. Index volatility may be materially different from a strategy's volatility and portfolio holdings may differ significantly from the securities comprising the index.

TD Asset Management - TD Mutual Funds & TD Exchange Traded Funds (ETFs):

Commissions, management fees and expenses all may be associated with mutual fund and/or exchange- traded fund ("ETF") investments (collectively, "the Funds"). Trailing commissions may be associated with mutual fund investments. ETF units are bought and sold at market price on a stock exchange and brokerage commissions will reduce returns. Please read the fund facts or summary documents and the prospectus, which contain detailed investment information, before investing in the Funds. The indicated rates of return (other than for money market funds) are the historical total returns for the period, compounded for mutual funds, including changes in unit value and reinvestment of distributions. The indicated rate 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. Index returns do not represent ETF returns. The indicated rates of return do not take into account sales, redemption, commission charges, distribution or optional charges, as applicable, or income taxes payable by any securityholder that would have reduced returns. The 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.

Index returns are shown for comparative purposes only. Indexes are unmanaged and their returns include reinvestment of dividends, if applicable, but do not include any sales charges or fees as such costs would lower performance. It is not possible to invest directly in an index.

Target distribution rates are based on Net Asset Value (NAV) per unit (PU) for the Fund(s). The target distribution rates will change with the changes in the series NAVPU or monthly distribution per unit. This is a target distribution only, is not guaranteed, may be adjusted from time to time without notice and is not a prediction of future distributions. The most recent actual monthly distributions per unit are available on the TDAM website at tdassetmanagement.com.

The payment of distributions should not be confused with a fund’s performance, rate of return or yield. If a distribution paid by a fund is greater than the performance of the fund, the difference will be deducted from your invested capital. Capital gains taxes deferred will be payable when the units of a fund are sold or to some extent when their adjusted cost base goes below zero. Return of capital (ROC) distributions do not constitute part of a fund’s rate of return or yield. ROC reduces the adjusted cost base of the units to which it relates.

A return of capital (ROC) distribution reduces your adjusted cost base. This could lead to a higher capital gain or a smaller capital loss when the investment is eventually sold. If your adjusted cost base goes below zero you will have to pay capital gains tax on the amount below zero. The payment of ROC distributions should not be confused with a fund’s performance, rate of return or yield.

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.

Investment strategies and current holdings are subject to change.

Regulatory restrictions limit publishing performance returns for funds or portfolios with a history of less than one year.

TD Mutual Funds, TD ETFs and the TD Managed Assets Program portfolios are managed by TD Asset Management Inc., a wholly-owned subsidiary of The Toronto-Dominion Bank, and are available through authorized dealers.

TD Mutual Funds Corporate Class funds are issued by TD Mutual Funds Corporate Class Ltd.

Short-term Trading Fee Disclosure:

A short-term trading fee of up to 2%, payable to the fund, may apply to all units of TD Mutual Funds (except money market funds). Please refer to the applicable Fund Facts documents for details.

Low-Load-2 Sales Charge

For funds that are purchased under the Low-Load-2 (LSC2) sales charge option, once securities acquired under this purchase option are held for periods greater than 4 years, the maximum annual trail commission rate that can be paid to your dealer may automatically increase to the maximum annual trail commission rate payable under the front-end load option for the same fund.

Effective November 1, 2019, the back-end load, low-load and low-load-2 purchase options of Advisor Series, T5 Series and T8 Series of the Funds were closed to all purchases by investors. A conversion to one of these purchase options will only be permitted if the Securities of the Fund you are converting from are held in the same purchase option. For example, you could convert Advisor Series Securities of a Fund held under the back-end load option, to the back-end load option of T5 Series or T8 Series, as applicable, of the same Fund.

London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). © LSE Group 2020. FTSE Russell is a trading name of certain of the LSE Group companies. “FTSE®”, “Russell®”, and “FTSE Russell®” are trademarks of the relevant LSE Group companies and are used by any other LSE Group company under license. “TMX®” is a trade mark of TSX, Inc. and used by the LSE Group under license. All rights in the FTSE Russell indexes or data vest in the relevant LSE Group company which owns the index or the data. Neither LSE Group nor its licensors accept any liability for any errors or omissions in the indexes or data and no party may rely on any indexes or data contained in this communication. No further distribution of data from the LSE Group is permitted without the relevant LSE Group company’s express written consent. The LSE Group does not promote, sponsor or endorse the content of this communication.

Disclosures for changes to Funds

Epoch Global Shareholder Yield Fund:

Effective July 31, 2013, Epoch Investment Partners, Inc. became the portfolio adviser for the Epoch Global Shareholder Yield Fund (formerly TD Global Dividend Fund). Previously, TDAM was the portfolio adviser for the fund. If the portfolio adviser change had been in effect prior to this date, the funds’ performance could have been materially different.

Epoch U.S. Large-Cap Value Fund:

Effective May 9, 2013, Epoch Investment Partners, Inc. became the portfolio advisor for the Epoch U.S. Large-Cap Value Fund (formerly TD U.S. Large-Cap Value Fund). Previously, T. Rowe Price Associates, Inc. was the portfolio advisor for the fund. If the portfolio adviser change had been in effect previously, the fund’s performance could have been materially different.

Epoch Global Equity Fund:

Effective April 29, 2013, Epoch Investment Partners, Inc. became the portfolio advisor for the Epoch Global Equity Fund (formerly TD Global Growth Fund). Previously, Newton Capital Management Limited was the portfolio advisor for the fund. If the portfolio adviser change had been in effect previously, the fund’s performance could have been materially different.

TD Resource Fund:

On November 16, 2015, the investment strategies of TD Resource Fund were amended to provide the Fund with the flexibility to invest its assets in securities anywhere in the world.

TD Energy Fund merged into TD Resource Fund on April 22, 2016. The merger was a material change for TD Resource Fund and reset the performance of the fund.

TD Corporate Bond Plus Fund:

At the close of business on August 31, 2016, the investment objectives and investment strategies of the Fund were changed such that the Fund no longer gained exposure to North American and/or international bonds and other debt instruments indirectly through the use of forward contracts.

TD Diversified Monthly Income Fund:

At the close of business on August 31, 2016, the investment objectives and investment strategies of the Fund were changed such that the Fund no longer gained exposure to North American and/or international bonds and other debt instruments indirectly through the use of forward contracts.

TD Diversified Monthly Income Fund:

On October 25, 2019 the TD Balanced Income Fund merged with the TD Diversified Monthly Income Fund. TD Asset Management Inc. determined that the merger is a significant change that could have affected the performance had those changes been in effect throughout the performance period.

TD China Income & Growth Fund:

Effective February 3rd, 2020, TD China Income and Growth Fund's (formerly TD Asian Growth Fund) investment objective changed. As a result of this change, Martin Currie Inc. was removed as the fund's sub-adviser and TD Asset Management Inc. assumed full portfolio management responsibilities of the fund. TD China Income and Growth Fund's risk rating has also changed from "medium to high" to "high". Performance prior to this date relates to the fund’s previous investment objective and may differ substantially from the future performance of the fund under its new investment objective."

Index Fund Disclosures TD Dow Jones Industrial Average^SM Index Fund:

The “Dow Jones Industrial Average” is a product of S&P Dow Jones Indices LLC, or its affiliates (“SPDJI”), and has been licensed for use by TD Asset Management Inc. (“TDAM”). Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC, (“S&P”); Dow Jones®, Dow Jones Industrial Average® and DJIA® are registered trademarks of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by TDAM. It is not possible to invest directly in an index. The TD Dow Jones Industrial Average Index Fund (“Fund”) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P or 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 owners 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 Dow Jones Industrial Average to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to TDAM with respect to the Dow Jones Industrial Average 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 Dow Jones Industrial Average is determined, composed and calculated by S&P Dow Jones Indices without regard to TDAM or the Fund. S&P Dow Jones Indices has no obligation to take the needs of TDAM or the owners of the Fund into consideration in determining, composing or calculating the Dow Jones Industrial Average. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of the Fund or the timing of the issuance or sale of the Fund or in the determination or calculation of the equation by which the Fund is 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 Fund. There is no assurance that investment products based on the Dow Jones Industrial Average will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment or tax advisor. A tax advisor should be consulted to evaluate the impact of any tax-exempt securities on portfolios and the tax consequences of making any particular investment decision. 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 DOW JONES INDUSTRIAL AVERAGE 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 TDAM, OWNERS OF THE FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE DOW JONES INDUSTRIAL AVERAGE 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 ARRANGE MENTS BETWEEN S&P DOW JONES INDICES AND TDAM, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

TD European Index Fund:

THE FUND IS 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 THE TORONTO-DOMINION BANK. NONE OF THE MSCI PARTIES MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO THE ISSUER OR UNITHOLDERS OF THE FUND OR ANY OTHER PERSON OR ENTITY REGARDING THE ADVISABILITY OF INVESTING IN FUNDS GENERALLY OR IN THE FUND 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 THE FUND OR THE ISSUER OR UNITHOLDERS OF THE FUND OR ANY OTHER PERSON OR ENTITY. NONE OF THE MSCI PARTIES HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUER OR UNITHOLDERS OF THE FUND 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 THE FUND’S UNITS TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY OR THE CONSIDERATION INTO WHICH THE FUND’S UNITS ARE REDEEMABLE. FURTHER, NONE OF THE MSCI PARTIES HAS ANY OBLIGATION OR LIABILITY TO THE ISSUER OR UNITHOLDERS OF THE FUND OR ANY OTHER PERSON OR ENTITY IN CONNECTION WITH THE ADMINISTRATION, MARKETING OR OFFERING OF THE FUND. 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 FUND, UNITHOLDERS OF THE FUND, 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 Fund, 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 Fund 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.

TD International Index Fund and TD International Index Currency Neutral Fund:

The TD International Index Fund (the “Fund”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive GBS Developed Markets ex North America Large & Mid Cap CAD Index (CA NTR) (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the Fund. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the Fund constitutes a recommendation by Solactive AG to invest capital in said Fund nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in the Fund.

The TD International Index Currency Neutral Fund (the “Fund”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive GBS Developed Markets ex North America Large & Mid Cap Hedged to CAD Index (CA NTR) (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the Fund. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the Fund constitutes a recommendation by Solactive AG to invest capital in said Fund nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in the Fund.

Disclosure for TD Nasdaq® Index Fund:

The Fund is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, 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 (“Licensee”) is in the licensing of the Nasdaq® and NASDAQ-100 Index® marks, and certain trade names of the Corporations and the use of the NASDAQ-100 Index® which is determined, composed and calculated by Nasdaq without regard to TDAM or the Fund. Nasdaq has no obligation to take the needs of TDAM or the unitholders of the Fund into consideration in determining, composing or calculating the NASDAQ-100 Index®. The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of the Fund’s units to be issued or in the determination or calculation of the equation by which the Fund’s units are to be converted into cash. The Corporations have no liability in connection with the administration, marketing or offering of the Fund.

THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX® OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINE D BY TDAM, UNITHOLDERS OF THE FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX® OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX® OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

TD U.S. Index Fund and TD U.S. Index Currency Neutral Fund:

The TD U.S. Index Fund (the “Fund”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive US Large Cap Index (CA NTR) (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the Fund. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the Fund constitutes a recommendation by Solactive AG to invest capital in said Fund nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in the Fund.

The TD U.S. Index Currency Neutral Fund (the “Fund”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive US Large Cap Hedged to CAD Index (CA NTR) (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the Fund. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the Fund constitutes a recommendation by Solactive AG to invest capital in said Fund nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in the Fund.

TD Canadian Index Fund:

The TD Canadian Index Fund (the “Fund”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive Canada Broad Market Index (CA NTR) (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the Fund. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the Fund constitutes a recommendation by Solactive AG to invest capital in said Fund nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in the Fund.

TD Canadian Bond Index Fund:

The TD Canadian Bond Index Fund (the “Fund”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG or does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive Broad Canadian Bond Universe TR Index (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the Fund. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the Fund constitutes a recommendation by Solactive AG to invest capital in said Fund nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in the Fund.

TD Guaranteed Investment Funds II Disclosure:

TD Guaranteed Investment Funds II ("TD GIF II") policies are Individual Variable Insurance Contracts issued by ivariTM and are managed by TDAM. ivari is the issuer of the TD GIF II contract. As of March 11th, 2009, TD GIF II was closed to new policies and as of April 15th, 2009, all existing policies were closed to additional deposits.

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 holder 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 the TD GIF II will be slightly less than that of the underlying TD Mutual Funds due to the cost of the guarantee and benefit feature. Past performance is not indicative of future performance and investment returns will fluctuate. TD Mutual Funds are offered by TDAM, a wholly-owned subsidiary of The Toronto-Dominion Bank. ^TMivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.

Disclosures for TD ETFs

TD U.S. Equity Index ETF and TD U.S. Equity CAD Hedged Index ETF:

The TD U.S. Equity Index ETF is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive AG Indices and/or any trade mark(s) associated with the Solactive AG Indices or the prices of the Solactive AG Indices at any time or in any other respect. The Solactive AG Indices are calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Solactive AG Indices are calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Solactive AG Indices to third parties including but not limited to investors and/or financial intermediaries of the TD Index ETFs. Neither publication of the Solactive AG Indices by Solactive AG nor the licensing of the Solactive AG Indices or any trade mark(s) associated with the Solactive AG Indices for the purpose of use in connection with the TD Index ETFs constitutes a recommendation by Solactive AG to invest capital in said TD Index ETFs nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in the TD Index ETFs.

The TD U.S. Equity CAD Hedged Index ETF is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive AG Indices and/or any trade mark(s) associated with the Solactive AG Indices or the prices of the Solactive AG Indices at any time or in any other respect. The Solactive AG Indices are calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Solactive AG Indices are calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Solactive AG Indices to third parties including but not limited to investors and/or financial intermediaries of the TD Index ETFs. Neither publication of the Solactive AG Indices by Solactive AG nor the licensing of the Solactive AG Indices or any trade mark(s) associated with the Solactive AG Indices for the purpose of use in connection with the TD Index ETFs constitutes a recommendation by Solactive AG to invest capital in said TD Index ETFs nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in the TD Index ETFs.

TD International Equity Index ETF and TD International Equity CAD Hedged Index Fund:

The TD International Equity Index ETF (“TD ETF”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive GBS Developed Markets ex North America Large & Mid Cap CAD Index (CA NTR) (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the TD ETF. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the TD ETF constitutes a recommendation by Solactive AG to invest capital in said TD ETF nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in this TD ETF.

The TD International Equity CAD Hedged Index ETF (“TD ETF”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive GBS Developed Markets ex North America Large & Mid Cap Hedged to CAD Index (CA NTR) (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the TD ETF. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the TD ETF constitutes a recommendation by Solactive AG to invest capital in said TD ETF nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in this TD ETF.

TD Canadian Aggregate Bond Index ETF:

The TD Canadian Aggregate Bond Index ETF (“TD ETF”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive Broad Canadian Bond Universe TR Index (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the TD ETF. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the TD ETF constitutes a recommendation by Solactive AG to invest capital in said TD ETF nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in this TD ETF.

TD Canadian Equity Index ETF:

The TD Canadian Equity Index ETF (“TD ETF”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive Canada Broad Market Index (CA NTR) (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the TD ETF. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the TD ETF constitutes a recommendation by Solactive AG to invest capital in said TD ETF nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in this TD ETF.

TD Global Technology Leaders Index ETF:

The TD Global Technology Leaders Index ETF (“TD ETF”) is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Solactive Global Technology Leaders Index (CA NTR) (the “Index”) and/or any trade mark(s) associated with the Index or the price of the Index at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards TDAM, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the TD ETF. Neither publication of the Index by Solactive AG nor the licensing of the Index or any trade mark(s) associated with the Index for the purpose of use in connection with the TD ETF constitutes a recommendation by Solactive AG to invest capital in said TD ETF nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in this TD ETF.

Disclosures for TD Emerald Funds:

TD Emerald Funds are managed by TD Asset Management Inc., a wholly-owned subsidiary of The Toronto-Dominion Bank.

TD Emerald Canadian Equity Index Fund Disclosure:

The S&P/TSX Composite Index is a product of S&P Dow Jones Indices LLC, a division of S&P Global or its affiliates (“SPDJI”) and TSX Inc. and has been licensed for use by The Toronto Dominion Bank. Standard & Poor’s^®, S&P^® and S&P 500^® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones^®, Dow Jones Industrial Average^® and DJIA^® are registered trademarks of Dow Jones Trademark Holdings LLC (“Dow Jones”); TSX is a trademark of TSX Inc.; and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Toronto-Dominion Bank. The TD Emerald Canadian Equity Index Fund [is/are] not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or TSX Inc. and none of such parties make any representation regarding the advisability of investing in the TD Emerald Canadian Equity Index Fund nor do they have any liability for any errors, omissions, or interruptions of the S&P/TSX Composite Index.

TD Emerald Canadian Bond Index Fund & TD Emerald Canadian Balanced Disclosure:

The TD Emerald Canadian Bond Index Fund and the TD Emerald Canadian Bond (the “Funds”) have been developed solely by TD Asset Management Inc. (“TDAM”). The “Funds” are not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies.

All rights in the FTSE Canada Universe Bond Index (the “Index”) vest in the relevant LSE Group company which owns the Index. “FTSE^®” is a trade mark of the relevant LSE Group company and is used by any other LSE Group company under license.

The Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of the Fund. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the Fund or the suitability of the Index for the purpose to which it is being put by TDAM.

TD Emerald U.S. Market Index Fund Disclosure:

The S&P 500 Index is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and has been licensed for use by The Toronto-Dominion Bank. Standard & Poor’s^®, S&P^® and S&P 500^® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones^®, Dow Jones Industrial Average^® and DJIA^® are registered trademarks of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Toronto-Dominion Bank. The TD Emerald U.S. Market Index Fund] [is/are] not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in the TD Emerald U.S. Market Index Fund nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

TD Emerald International Equity Index Fund Disclosure:

The fund is not sponsored, endorsed, or promoted by MSCI Inc. or its affiliates ("MSCI"), and MSCI bears no liability with respect to the fund or any index on which the fund is based. The fund's simplified prospectus contains a more detailed description of the limited relationship MSCI has with The Toronto-Dominion Bank and any related funds.

TD Global Investment Solutions:

TD Global Investment Solutions represents TD Asset Management Inc. ("TDAM") and Epoch Investment Partners, Inc. ("TD Epoch"). TDAM and TD Epoch are affiliates and wholly-owned subsidiaries of The Toronto-Dominion Bank.

The information contained herein is for information purposes only. The information has been drawn from sources believed to be reliable. Graphs and charts are used for illustrative purposes only and do not reflect future values or future performance of any investment. The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual's objectives and risk tolerance.

Products and services of TDAM and/or TD Epoch are only offered in jurisdictions where they may be lawfully offered for sale respectively.

The contents of this site do not constitute an offer to sell or a solicitation to buy products or services to any person in a jurisdiction where such offer or solicitation is considered unlawful. Websites directed at professional, institutional or qualified investors or intermediaries is not suitable for retail or individual investors.

Non-Canadian and/or U.S. Jurisdictions:

• This information is only intended for use in jurisdictions where its distribution or availability is consistent with local laws or regulations.
• Australia: Epoch Investment Partners, Inc. (ABRN: 636409320) holds an Australian Financial Services Licence (AFS Licence No: 530587). The information contained herein is intended for wholesale clients and investors only as defined in the Corporations Act of 2001.
• United Kingdom: Epoch Investment Partners UK, LTD is authorised and regulated by the Financial Conduct Authority of the United Kingdom (Firm Reference Number: 715988)
• South Africa: Epoch Investment Partners, Inc. is a licensed Financial Services Provider (license number 46621) with the Financial Sector Conduct Authority.

This website may contain forward-looking statements (“FLS”). FLS reflect current expectations and projections about future events and/or outcomes based on data currently available. Such expectations and projections may be incorrect in the future as events which were not anticipated or considered in their formulation may occur and lead to results that differ materially from those expressed or implied. FLS are not guarantees of future performance and reliance on FLS should be avoided.

Any general discussion or opinions contained within these materials regarding securities or market conditions represent our view or the view of the source cited. Unless otherwise indicated, such view is as of the date noted and is subject to change. Information about the portfolio holdings, asset allocation or diversification is historical and is subject to change. Any performance information referenced represents past performance and is not indicative of future returns. There is no guarantee that the investment objectives will be achieved.

Pooled Funds & Alternate Investments :

All products contain risk. Important information about the pooled funds is contained in their respective offering circular, which we encourage you to read before investing. Please obtain a copy. The indicated rates of return are the historical annual compounded total returns of the funds including changes in unit value and reinvestment of all distributions. Yields, investment returns and unit values will fluctuate for all funds. All performance data represent past returns and are not necessarily indicative of future performance. Pooled fund units are not deposits as defined by the Canada Deposit Insurance Corporation or any other government deposit insurer and are not guaranteed by The Toronto-Dominion Bank. Investment strategies and current holdings are subject to change. TD Pooled Funds are managed by TD Asset Management Inc.

For clients who hold real estate:

MSCI/REALpac returns are not immediately available at quarter-end; therefore, the prior quarter’s index return is used in this report for benchmark calculation purposes. When the actual index is available, the benchmark return is then re-calculated.

Valuation of TD Greystone Infrastructure Fund:

The TD Greystone Infrastructure Fund is comprised of the TD Greystone Infrastructure Fund (Global Master) L.P., the TD Greystone Infrastructure Fund (Canada) L.P. and the TD Greystone Infrastructure Fund (Canada) L.P. II.

Master: The Master Fund is priced monthly in USD and includes any working capital within the Master Fund, as well as the current USD value of the most recent valuation of the underlying investments. Valuations of the investments held in the Master Fund are done semi-annually in the local currency of the investment. Interim valuations may be done as the result of special situations. At each monthly pricing period, the investment valuations are converted to USD at the rate in effect at the pricing date.

Feeder: The Feeder Funds are priced monthly in U.S. dollars and reported to clients in Canadian dollars and include working capital held within the Feeder Funds as well as the updated monthly value of the units held in the Master Fund. The value of the Feeder Funds’ investment in the Master Fund is determined based on the updated monthly price of the Master Fund.

TD Insurance:

TD Insurance home & auto products are underwritten by TD General Insurance Company in Ontario.They are underwritten by TD Home and Auto Insurance Company and Primmum Insurance Company in the rest of Canada. Products are distributed by TD Insurance Direct Agency Inc. throughout Canada;

The TD Insurance Meloche Monnex program for members of professional and alumni groups is underwritten by Security National Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Quebec and by TD Insurance Direct Agency Inc. in the rest of Canada.

The TD Insurance Meloche Monnex program for members of employer groups and other associations is underwritten by Primmum Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Quebec and by TD Insurance Direct Agency Inc. in the rest of Canada.

Products are available in those jurisdictions where they may be legally offered.

TD Insurance is a trademark of the Toronto-Dominion Bank.

TD Prime Rate

TD Prime Rate is the variable annual interest rate published by us from time to time as our TD Prime Rate and is the interest rate we will use as a reference to determine the interest rate that we will charge to customers for certain credit products provided by us in Canadian dollars in Canada. You can find the current TD Prime Rate on our website at td.com/td-prime-rate

(b) Disclosure

UK and Europe Disclosure

The provision of information on this website should not be construed as constituting an offer or solicitation in any jurisdiction in the European Economic Area (EEA) in which such an offer or solicitation is not authorised or to any person in the EEA to whom it is unlawful to make such an offer or solicitation. Products and services of the TD Bank Group are only offered in those jurisdictions in the EEA in which they may be lawfully offered for sale. The Toronto-Dominion Bank, a Canadian chartered bank with a London branch office at 60 Threadneedle Street, London, EC2R 8AP, United Kingdom is authorised and regulated by the Office of the Superintendent of Financial Institutions, authorised in the United Kingdom by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. TD Bank Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. TD Securities Limited is authorised and regulated by the Financial Conduct Authority. Visit the Financial Services Register at https://register.fca.org.uk/s/ for further information about the regulatory status of The Toronto-Dominion Bank, TD Bank Europe Limited or TD Securities Limited in the United Kingdom. VAT registration number: 397 1030 51.

US Disclosure

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.

Canadian securities laws require registered firms such as TD Waterhouse Canada Inc. ("TDWCI") and TD Waterhouse Private Investment Counsel Inc. ("TD PIC") to provide certain disclosures to their clients when they trade in or advise with respect to securities of certain issuers to which they, or certain other parties related to them, are "related" or "connected".

We describe the various entities that are either related or connected to TDWCI or TD PIC below and will update this Related and Connected Issuers Disclosure from time to time.

Related Issuers
An issuer of securities is "related" to TDWCI or TD PIC if through the ownership of, or direction or control over voting securities:

• TDWCI or TD PIC exercises a controlling influence over that issuer, or
• that issuer exercises a controlling influence over TDWCI or TD PIC, or
• the same third party exercises a controlling influence over both TDWCI or TD PIC and the issuer.

The following entities, which are reporting issuers or have similarly distributed securities, are related issuers of TDWCI and TD PIC:

• The Toronto-Dominion Bank ("TD"): TD is a reporting issuer under securities laws and both TDWCI and TD PIC are wholly owned subsidiaries of TD. Therefore, TD is a related issuer of TDWCI and TD PIC.

Connected Issuers
An issuer is "connected" to TDWCI or TD PIC if there is a relationship between the issuer and TDWCI or TD PIC, a related issuer of TDWCI or TD PIC, or a director or officer of TDWCI or TD PIC, or the related issuer of TDWCI or TD PIC, that might lead a reasonable prospective purchaser of the securities of the connected issuer to question whether TDWCI or TD PIC and the issuer are independent of each other for the distribution of the issuer’s securities.

• Investment funds, including exchange traded funds, that have “TD”, “TDAM”, “TD Greystone” or “Epoch” in their name are connected issuers of TDWCI and TD PIC, as well as Finch Low Volatility All World Equity Fund, LLC, Aeon Global Absolute Return Fund, LLC, Aeon Global Choice Fund, LLC, Aeon Global Equity Shareholder Yield Fund, LLC, Aeon U.S. SMID Cap Value Fund, LLC.
• TD Capital Trust IV, Genesis Trust II and Evergreen Credit Card Trust are issuers of TD sponsored asset-backed securities and are therefore considered to be connected issuers of TDWCI and TD PIC because TD is the founder and organizer of these issuers.
• The Charles Schwab Corporation ("Schwab"). Due to investment restrictions imposed on TD pursuant to the Stockholder Agreement with Schwab and applicable laws, purchases of Schwab securities by TDWCI and TD PIC for client accounts are restricted subject to limited exceptions.
• In addition, in certain circumstances, issuers with whom TD or its Canadian dealer affiliate, TD Securities Inc., has a business relationship (such as being borrowers from TD or acting as an underwriter for securities sold to clients of TD or companies in which TD has a significant investment) may be considered connected issuers of TDWCI and TD PIC.

Related Registrants 
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TDWCI, which is a subsidiary of TD. Similarly, TD PIC is a subsidiary of TD. The following dealers and advisors registered in Canada are also subsidiaries of TD: Epoch Investment Partners, Inc., TD Asset Management Inc., TD Investment Services Inc., and TD Securities Inc. TD Securities Inc. may act as an underwriter of new issue securities. Certain directors and officers of TDWCI and TD PIC may also be directors and officers of one or more of these related registrants or TD. 

TDWCI and TD PIC have adopted policies and procedures to conduct their businesses with integrity, avoid conflicts of interest and comply with applicable laws.

To manage the conflicts inherent in making investment recommendations or taking investment actions for your account in related or connected issuers, TDWCI and TD PIC will only cause a client's account to be invested in securities of related or connected issuers, if such securities are considered to be suitable for a client's account and investing in such securities is considered to be in the client's best interest.  

TDWCI and TD PIC have no arrangements with these related and connected issuers (or in the case of the funds, their managers) that incent TDWCI or TD PIC representatives to recommend or cause a client's account to be invested in securities of related and connected issuers over others.  Any recommendations or investments made in securities issued by a related or a connected party are evaluated using the same processes as those securities issued by a third party.

(Last Modified August 2023)

In accordance with Quebec language law, the French version of these Terms of Use are available here: https://www.tdcanadatrust.com/francais/service-a-la-clientele/legal/disclosure.jsp?id=800061

This document contains the terms and conditions (“Terms”) that apply when you add, attempt to add, use or keep any eligible debit card, credit card, or other Payment Card (each, a "Payment Card") issued by TD Bank in a digital wallet or any other electronic payment system into which your Payment Card may be enrolled or added by you ("Wallet") on any mobile or wearable device, tablet, watch or other device (each a "Device") that supports the Wallet. These Terms are a legal agreement, so please read them carefully. The words “you” and “your” mean a TD Bank Account holder, an authorized user on a credit card Account (an "Authorized User"), or anyone that you allow to use your Device. The words “we”, “us”, “our”, and “TD Bank” mean The Toronto-Dominion Bank and its affiliates in Canada. "Account" means the account associated with the Payment Card.

1. Accepting These Terms: By selecting "Agree" or "Accept", it means you have read and agree to these Terms. If you do not agree to these Terms, you must not add, attempt to add, use or keep the Payment Card in the Wallet.

2. Other Terms and Conditions That Apply to Your Account Still Apply. The terms of each account agreement and other agreements that apply to your Payment Card and Account including any amendments (collectively, your “Account Agreement”) supplement these Terms. The Account Agreement continues to apply to your Payment Card and Account including when you add your Payment Card or use it in the Wallet. The Account Agreement may describe, for example, the applicable fees, interest, and other terms and conditions that apply when you use a Payment Card. Nothing in these Terms changes your responsibilities under the Account Agreement. In the event of any conflict between these Terms and your Account Agreement, your Account Agreement applies. You understand that your use of the Wallet will also be subject to agreements or terms of use with the relevant Wallet provider ("Wallet Provider") or other third parties such as wireless companies or data service providers ("Other Third Parties"). TD Bank is not responsible for the Wallet Provider or Other Third Parties, and in no event shall such terms and conditions between you and the Wallet Provider or any Other Third Party be binding on TD Bank or impose any additional obligations, or obligations inconsistent with the terms and conditions of these Terms, upon TD Bank whatsoever.

3. Using a Payment Card in the Wallet. If you want to add a Payment Card to the Wallet, you must follow the procedures adopted by the Wallet Provider and any further procedures we adopt. You understand that not all Payment Cards are eligible to be added to the Wallet. We may not allow you to add a Payment Card to the Wallet if we cannot authenticate the Payment Card or if we otherwise suspect that there may be fraud associated with the Payment Card or the Account. The Wallet allows you and anyone else who has access to and use of your Device to make purchases using a Payment Card that has been added to the Wallet wherever the Wallet is accepted, subject to Payment Card activation and pre-set limits (which are subject to change). When you use your Payment Card through the Wallet to transact with a merchant, it is the same as if you swiped, inserted, waved, tapped or otherwise presented your physical Payment Card or signed the credit card slip or electronic signature device presented by the merchant and/or inputted your personal identification number to transact. Wallet transactions will be added to your credit card Account billing statement or, in the case of debit card transactions, your transaction history and Account statements (as applicable). You are financially responsible for all such transactions and associated interest charges and fees in accordance with the Account Agreement. The Wallet may not be accepted outside of Canada or at all places where your Payment Card is accepted. Please remember if you are using a Payment Card in the Wallet that requires you to activate the Payment Card, you may have to activate the Payment Card before using it in the Wallet. With respect to an Account, each Account holder and Authorized User may add their Payment Card to the Wallet to allow them to use and make purchases on the Account using the Wallet on their own Device, and you will be responsible for all such transactions in accordance with the Account Agreement.

4. Applicable Fees. We do not charge you fees for adding a Payment Card to the Wallet. Please review the Account Agreement for any fees, interest, or other charges that apply to your Account. In addition, the Wallet Provider or Other Third Parties may charge you service fees when you use your Device or the Wallet.

5. TD Bank is NOT Responsible for the Use or Function of the Wallet. TD Bank is not the provider of the Wallet and is not responsible for its use and function. We are only responsible for the Payment Card as set out in the Account Agreement. You should contact the Wallet Provider’s customer service if you have questions about how to use the Wallet or if you experience problems with the Wallet. We are not responsible for any failure of the Wallet or your inability to use a Wallet for any transaction. We are also not responsible for any loss, injury or inconvenience you suffer as a result of (a) any damage or vulnerabilities to your Device that may be directly or indirectly caused by the Wallet; (b) a merchant refusing to accept the Wallet; or (c) any actions or omissions of the Wallet Provider or any Other Third Party.

6. Your Responsibility to Keep Your Payment Card and Wallet Credentials Secure and Notify Us of Errors or Fraud. You agree to protect and keep confidential all information required for you to access your Device and the Wallet, respectively, and all information required to make purchases with a Payment Card using the Wallet on your Device, including without limitation, your User ID, passwords, passcodes and/or verification questions, if applicable, and any other information used to authenticate you to provide access to your Device and the Wallet (the "Wallet Credentials"). If you share your Wallet Credentials or Device with others (including without limitation, by allowing others to enroll their fingerprint, set up a passcode on your Device or otherwise), they may be able to access your Device and the Wallet to make purchases with your Payment Card through the Wallet, view transactions on your Device (including by way of Notifications, which may be visible on your Device without any requirement for you to enter a login or password), or otherwise obtain your personal information. You must contact us immediately if you believe there are errors or if you suspect fraud or unauthorized use of your Payment Card. We will investigate and where appropriate resolve any potential error or fraudulent purchase on your Payment Card as set out in your Account Agreement. We will not be liable for any losses you incur except as specifically described in the Account Agreement or as otherwise provided by law. Before you sell, give away, or dispose of your Device, you must remove the Payment Card from the Wallet by following the Wallet Provider's procedures for removal, otherwise the Payment Card may be available to the person who obtains your Device and you will be responsible for any transactions completed. If your Device is lost or stolen, you must contact TD Bank immediately.

7. Security of the Wallet. In addition to your efforts to keep your Wallet Credentials secure and confidential, we take reasonable steps to help ensure that information we send to others about your use of a Payment Card in the Wallet is sent to them in a secure manner. However, the Wallet Provider is responsible for the security of information that you provide to it or that is stored in the Wallet. We are not responsible if there is a security breach affecting any information stored in the Wallet or sent from the Wallet. However, in the unlikely event you experience an Account loss resulting from a transaction through the Wallet that you did not authorize or for which you are not responsible under these Terms or any other terms or agreement with us, you will be reimbursed for such Account losses provided you have met your security responsibilities and otherwise complied with your Account Agreement.

8. We Can Block, Suspend, or Cancel Your Use of a Payment Card. We can block you or Authorized User(s) from adding an eligible Payment Card to the Wallet, suspend your or your Authorized User(s)' ability to use an eligible Payment Card to make purchases using the Wallet, or cancel entirely your or your Authorized User(s)' ability to continue to use a Payment Card in the Wallet. We may take these actions at any time and for any reason without notice or liability to you, such as if we suspect fraud with your Payment Card or Account, if you have an overdue or negative balance on your Account, if directed to do so by the Wallet Provider, a regulator, or the applicable payment card network associated with your Payment Card (such as Visa, MasterCard or Interac), if use of the Payment Card in the Wallet would interfere with, degrade the performance of, or adversely affect any products, services or software of TD Bank or others, or if applicable laws change or where otherwise required by applicable law. You may remove a Payment Card from the Wallet by following the Wallet Provider's procedures for removal.

9. Notifications. You may receive notifications on your Device upon completing transactions using your Payment Card, including transactions linked to both your physical card and the Wallet (each a "Notification"). You may turn off Notifications at any time by adjusting the settings in the operating system of your Device. We are not responsible for any failure to provide you with information (including Notifications) through the Wallet at any time or for any reason. You should not rely on Notifications to confirm the final amount of any transaction as there could be transactions for amounts that are different than your final purchase when it is posted to your Account. For more information, please see our FAQs at https://td.intelliresponse.com/tdapp/.

10. Privacy. TD may handle your personal information as set out in our Privacy Policy, available at td.com/privacy. Your information may be stored outside of your province or territory of residence, or outside of Canada. The Wallet Provider may handle your information differently, so please review the Wallet Provider's applicable terms of use and privacy policy that apply to their Wallet for information as to how the Wallet Provider will collect, use and disclose your personal information. We are not responsible for any loss, injury or other harm you suffer in connection with the Wallet Provider’s use of your information.

11. Your Personal Information. You agree that we may exchange information about you (such as your name, Payment Card and transactional data) and technical data (such as device identifier, IP address and location) with the applicable Wallet Provider and/or the Payment Card Network associated with your Payment Card, to facilitate adding a Payment Card to the Wallet, to complete any purchase you make using a Payment Card through the Wallet, to make transactional information available to you in the Wallet (for example, to display transactions linked to both your physical card and the Wallet), for internal analytics and reporting, to help manage fraud, security and error, or to assist the Wallet Provider in improving its products. The Wallet Provider may also use this information as described in its terms of use and privacy policy. It is your responsibility to review these terms and policies. If you require additional information, please contact the Wallet Provider directly.

12. Feedback. To the extent you provide any ideas, requests, feedback, reports, suggestions, recommendations or other information to us, in writing, orally, by demonstration or otherwise, regarding your use of the Wallet ("Feedback"), you grant to us, our contractors and third party service providers, a fully paid-up, royalty free, perpetual, irrevocable, worldwide, assignable without consent license to make, use, sell, copy, transmit, modify, display, perform, derivative works of, distribute (directly or indirectly) and otherwise fully commercially exploit, including the right to sublicense, such Feedback in connection with our products and services or otherwise. You waive any and all moral rights you may have in the Feedback in favour of us.

13. We May Change these Terms at Any Time. We may change these Terms at any time, including those terms relating to: acceptance, using a Payment Card in the Wallet, applicable fees, our responsibilities, our rights (including to block, suspend or cancel your use of a Payment Card), your responsibilities (including to keep your Payment Card and Wallet Credentials secure and to notify us of errors or fraud), security of the Wallet, notifications, privacy and your personal information, Feedback, how we may change these Terms, and other terms and conditions that apply. If we do, we will post changes to the Terms and indicate the effective date of the changes on https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers or by other means. Where required by law, we will notify you at least 30 days before the changes come into effect, electronically or by other means, setting out what is changing and the effective date of the changes. You may refuse such changes by removing all Payment Cards from the Wallet, or otherwise notifying us within 30 days after the changes come into effect. Your continued use or retention of the Payment Card in the Wallet will otherwise be taken as your acknowledgement and agreement to be bound by the changes to these Terms. You agree to check https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers for updates to these Terms from time to time.

14. Applicable for Terms governed by Quebec Law. You have been provided with French and English versions of these Terms and you have agreed that they may be drawn up in English. You also agree that documents related to these Terms may be drawn up in English. Les versions française et anglaise de ces modalités vous ont été présentées. Vous convenez que les présentes modalités soient rédigées en anglais et que les documents s'y rapportant puisse être rédigés en anglais.

15. Questions? If you have any questions, disputes, or complaints about the Wallet, you should contact the Wallet Provider. If you have any questions, disputes, or complaints about your Payment Card, you should contact us toll-free at 1-888-292-6288. For a more detailed overview of our complaint process visit us at www.td.com

®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

By clicking "Accept", you confirm you have read and agreed to the following terms and conditions:

TD Authenticate will collect device-related information. Please see our Privacy Policy below for more information about how TD Bank handles the information we obtain from you when you use TD mobile apps.

TD Authenticate will generate a one-time security code to be used to verify you. TD may, from time to time, require you to use an alternative authentication method(s).

You agree to take reasonable steps to safeguard and protect your PIN. You must:

• Keep your PIN separate from the mobile device;
• Keep your PIN strictly confidential and not share it with anyone;
• Take all reasonable precautions to ensure that no one finds out your PIN, including while you key in the PIN on a device;
• Avoid PINs that may be easily determined by others, such as birthdays, phone numbers, age, social insurance number, etc.; and
• Ensure that each PIN is unique.

You understand that the TD Authenticate app is device specific and you may have to perform the setup process again when you switch mobile devices. A backup or restore to another device may not maintain the apps functionality. You also agree to uninstall the TD Authenticate app before you sell, give away, or dispose of your device.

Standard wireless carrier data rates and roaming fees may apply. Please consult your wireless carrier for applicable data plan rates.

Our Privacy Policy
This Privacy Policy tells you how we handle the personal information we obtain from you when you use our mobile apps. If you are using a mobile device to access TD websites via mobile browser, please refer to our Online Privacy Policy.

Information we collect
Depending on the specific TD app you use, we may collect the following information from you or your device as you use the mobile app: personal information you input into the app, financial information, transactional data, mobile phone number, geolocation (if enabled on your device), mobile country code, contact list (if enabled on your device), IP address, photos and/or camera, other device-related information such as the make and model of your device, its operating system, mobile device identification number (IMEI), MAC address, non-personal Device Identifier (AAID, IDFA), information about the screen size, and the date and time of your use. Please refer to your specific app for additional, applicable information.

How we use this Information

We may use this information to provide or enhance the app-specific products or services, to facilitate the operation of our apps, to help us understand how our users use our apps, for our internal analytics and reporting, authentication and security (including fraud prevention), and to improve the functionality of our TD apps.

We may also use and disclose this information as described in the Privacy Policy located on td.com.

We may disclose your information to our suppliers and agents who assist us in providing mobile app services to you. These suppliers and agents may be located in Canada or other jurisdictions and may access, use or disclose your information to meet legal or regulatory obligations, including responding to requests from government, regulators, courts and law enforcement authorities, in those jurisdictions.

We may also, in alignment with our digital partners (e.g. ad networks) use your non-personal device identifier, Apple Identifier for Advertiser (IDFA) or Google Advertising ID (AAID) for the purposes of delivering TD advertising to you on third-party apps.

If you click on one of our ads on a third- party app, cookies and/or your mobile marketing identifier may also be used to track the effectiveness of our advertising and for the purposes of delivering ads that may be relevant to you in the future.

You can opt-out of our interest-based advertising presented to you on third-party apps through the TRUSTe tool or by referring to the advertising settings of your mobile device. If you opt-out, you may still see some of our generic TD-branded ads on third-party apps.

Please note the ability to collect certain personal information is controlled by your device. For example your device may control the ability to disclose your device's geolocation or provide access to your contacts, photos and/or camera. Please refer to the documentation for your device regarding how to allow or block the collection of location or certain device information. If you choose not to provide location or certain device information, some services you request may not operate effectively.

Why we collect this Information

Financial information (including transactional data) and other personal information you provide through the app or you have allowed the app to obtain. We collect your financial and other personal information to provide you with certain services through our apps.

Geolocation: If enabled, the approximate physical location of your device. Mobile Country Code: A three digit number that indicates the country in which your mobile device is registered. For example, 302 is the mobile country code for Canada. Depending on the app, we may need to know your location for regulatory and security purposes, or to provide you with location-based services (e.g. to help find a TD branch nearby). With your consent, we may also collect and use your location information to generate and notify you of events and offers.

IP Address: A unique numerical label that identifies your device and allows it to communicate over a computer network. We use your IP address for purposes that include:

• Communicating with your device
• Providing you with services
• Identifying your jurisdiction for legal and regulatory purposes
• Authentication and security (including fraud prevention)
• Presenting you with offers relevant to your region

Google Maps: We use Google Maps to provide location information that you request. When using the TD App, you agree to the collection, processing and storing of the data that is automatically gathered by Google LLC., its representatives and/or third parties. For more information, please visit google maps terms.

Contact list: Contacts are accessed, with your consent, to populate contact information relevant to certain transactions (e.g., to complete a TD Interac® e Transfer). Only the contacts you select will be shared with TD.

Photos and/or camera: Photos and/or camera are accessed, with your consent, to populate information relevant to certain transactions (e.g., to complete a mobile remote deposit, or to provision cards for mobile payments®).

Other Device-related information: This includes Mobile device identification number (IMEI); MAC address; Device ID: A unique number that identifies your device; Mobile phone number; Make and model of your device; Operating system of your device; Information about your device's screen size; Date and time of your use of the mobile app. Mobile Marketing ID -IDFA, AAID (if enabled). We use this information to identify and communicate with your device (e.g., send push notifications), use and provision cards for Mobile Payment (e.g. payment network requirements for Visa, Mastercard and Interac®), authenticate you and your device, provide you with services and offers compatible with your device, perform analytics, prevent fraud, determine the eligibility of your device, generate and send TD advertising on third party apps.

Wearables/OTHER Bluetooth on the device: Allow your device and your wearable to communicate with TD app for Apple Watch.

Android app permissions
When you download TD’s app on an Android device, depending on your software version, you will be asked to accept some permissions either the first time you download the app, or at the time you access specific features within the app. The following is a list of Android permissions requested by the TD app and why:

Device & app history: When multitasking, the TD app may use device and app history to retrieve the TD app from the background and to keep you logged in for up to 10 minutes.

Location: Depending on the app, we may need to know your location for regulatory and security purposes, or to provide you with location-based services (e.g., to help find a TD branch nearby). With your consent, we may also collect and use your location information to notify you of events and offers.

Phone: The TD app requests permission to make phone calls when you initiate "one-touch" dialing to TD branches and EasyLine from within the TD app. TD will not access your phone log.

Photos/Media/Files: The TD app requests permission to access the Android Google Maps service for TD location.

Camera: Photos and/or camera are accessed, with your consent, to populate information relevant to certain transactions (e.g., to complete a mobile remote deposit, provision cards for mobile payments ).

Wi-Fi connection information: The TD app checks for and uses an active internet connection to allow the TD app to function through communication with TD servers.

Device ID & call information: We use this information to identify and Communicate with your device, authenticate you and your device, provide you with services and offers compatible with your device, perform analytics, prevent fraud, determine the eligibility of your device.

Other: We use this information to check for an active internet connection to allow the TD app to function through communication with TD servers.

¹ TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products and services.

² Email or fax disclaimer: For your protection, do not send confidential or personal information (e.g. TD Access Card number, account numbers, etc.) via email or fax, as they are NOT secure methods of communication. If your request is urgent or requires disclosure of confidential or personal information for resolution, please call us. All trade-marks are the property of their respective owners. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

³ Our TD websites include:

This also includes your interaction with our advertisements on third-party websites.

⁴ The digital partners we use for interest-based advertising through cookies include:

• Google
• Facebook
• Twitter
• LinkedIn
• OATH
• Exponential
• Mediative
• RadiumOne
• Addictive Mobility
• Juice Mobile
• Native Touch
• Medianet
• Atedra
• Globe & Mail
• Ratehub
• Fuel Media
• Cluep
• Postmedia
• Amazon
• Bell Media
• EQ Works
• Rogers
• Media IQ
• Narcity
• Trip Advisor
• ZEFR

⁵ For ads not delivered by TRUSTe, you can opt out using the notification icon found in the ad.

TD Bank, America’s Most Convenient Bank means TD Bank, N.A. and is a member of TD Bank Group. In addition to banking products, the Bank and its subsidiaries provide clients with comprehensive wealth management services and insurance products and services.

By accepting the Biometric Terms of Use or by using Touch ID, Face ID or other forms of Biometrics ("Biometrics"), you are taken to have read and agreed to these Biometric Terms of Use, between you and The Toronto-Dominion Bank and its affiliates in Canada ("TD", "we" or "us"), including any amendments to these terms. You acknowledge that once this mobile device ("Device") is enabled with Biometrics for the TD app, any Biometric data stored on the Device can be used to access your TD accounts and information available through the TD apps and any apps offered by TD which you access using your TD app login credentials ("TD App") .

By accepting these Biometric Terms of Use, you acknowledge and agree that:

1. You are responsible for the care and control of your Device and you must take reasonable steps to safeguard and protect your Device from access by any individuals other than yourself.
2. You agree that you will not enable Biometrics on your Device for TD App if:
   • (a) there is any Biometric data, other than your own, stored on your Device;
   • (b) if you share your Device with any other individuals; or
   • (c) If you have shared your current Device passcode with any other individuals.
3. After you have enabled Biometrics, you will not permit any Biometric data, other than your own, to unlock your Device, and you will not share your Device passcode, while Biometrics is enabled.
4. You agree to delete the TD App and any login credentials (Username and Password) and Biometric data stored on your Device, prior to sharing, transferring or disposing of your Device.
5. You agree to notify TD at once if you suspect your Device is lost or stolen.
6. You accept responsibility for all transactions carried out through the TD App on your Device while Biometrics is enabled, regardless of whether the transaction was completed by you or any person with Biometric data saved to your Device.

You agree that in no event will TD be liable for any damages arising out of or related to your use of, or inability to use, Biometrics. TD reserves the right to disable Biometrics for the TD App at any time without notice.

To understand how TD uses Device related information and other information arising from your use of the TD App, please review TD's Privacy Policy. These Biometric Terms of Use are in addition to and do not in any way amend or replace other agreements that apply to your use of the TD App or to TD products or services, unless we have specifically advised you in these terms.

If applicable, you agree to provide your phone number or multiple phone numbers that you are authorized to use. Solely to verify your identity and prevent fraud for the duration of the business relationship, you authorize your wireless operator (Telus, Bell, Rogers, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer file, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider. You consent to TD sending you, from time to time (a) an SMS text message or a voice message to your mobile phone number; or (b) a voice message to your landline phone number. The message will contain a one-time security code that you will be required to use to authenticate from time to time as determined by TD. You may have previously provided the same email and phone numbers for other purposes. Any associated consents are still in effect.

You agree that if you choose to receive a voice message and you fail to pick up the call from TD, the message may be delivered to your voicemail.

You also agree that TD may use the email address provided to send you security notifications related to your account or the account you are authorized to access.

Message and data rates may apply. Please consult your wireless carrier for applicable fees and data plan rates.

TD Platform Terms of Use and Privacy Terms  

Please read this document carefully. These TD Platform Terms of Use and Privacy Terms (the "TD Terms of Use" or “Terms”) are a legal agreement between you and The Toronto-Dominion Bank and apply to your use of the TD Platform.

1. We use the following terms throughout and want to make sure you understand what they mean:

   "Global Money Transfer" means an electronic transfer of funds from you to another person outside of Canada using the Western Union® Money Transfer service;

   "Recipient" means the person who is intended to receive the funds you send using the Western Union® Money Transfer service;

   "TD Platform" means the service offered by TD, through TD's Mobile Banking App or EasyWeb Online Banking Service, which connects you to the Western Union® Money Transfer service;

   "Us/we/our/TD" means The Toronto-Dominion Bank and its affiliates in Canada;

   "Western Union" means Western Union Financial Services (Canada), Inc., an independent company and not an affiliate or company within TD Bank Group, which provides the Western Union® Money Transfer service in accordance with the Western Union Terms and Conditions;

   "Western Union® Money Transfer" means the global money transfer service offered by Western Union in accordance with the Western Union Terms and Conditions, and made available to you via the TD Platform; and

   "You/your" means you, as TD customer.

2. It is important that you understand when these TD Terms of Use apply and when Western Union's Terms and Conditions relating to the Western Union® Money Transfer service found at (English) and (French) ("Western Union Terms and Conditions") apply.
3. TD Terms of Use: The TD Platform is designed to give you access to the Western Union® Money Transfer service. These Terms will apply each time you use the TD Platform to send a Global Money Transfer using Western Union® Money Transfer service. By clicking the Accept button you confirm that you (1) are the age of majority in the province you reside; (2) have read these Terms; (3) consent to the TD Platform service; and (4) agree to be bound by these Terms. You should print or download and save these Terms. These Terms are available at the time of registration and on our public web site at (English) and (French). If you do not wish to click the Accept button, please note that you will not be able to access the TD Platform and use the Western Union® Money Transfer service.
4. Western Union Terms and Conditions: In addition to these Terms, before you can complete a transaction using the Western Union® Money Transfer service, you will also have to review and agree to the Western Union Terms and Conditions. The Western Union Terms and Conditions apply to your relationship with Western Union and to your use of the Western Union® Money Transfer service.  Each time you submit your request to send a Global Money Transfer, Western Union is responsible for handling your request in accordance with the Western Union Terms and Conditions.
5. TD fees and service charges: TD does not charge you a fee for the use of the TD Platform. However, money transfers, including Global Money Transfer, are transactions to which regular account transaction charges may apply.  These transaction charges are disclosed in TD's disclosure statement, About our Accounts and Related Services. 
6. TD compensation: TD will receive compensation from Western Union for Western Union® Money Transfer transactions made using the TD Platform.
7. Western Union® Money Transfer fees: Western Union may charge fees ("Western Union Transfer Fee") to process each Global Money Transfer. Western Union also determines the foreign exchange rate that applies to your Global Money Transfer.  Before you submit your request to initiate the Global Money Transfer, Western Union is responsible for disclosing to you the Western Union Transfer Fee, the foreign exchange rate (including estimates) and additional details about fees, taxes, transaction limits or other relevant information relating to specific countries.  Payments will generally be in local currency (except that in certain countries payment may be in U.S. dollars or other alternate currency at participating locations). In addition to the Western Union Transfer Fee applicable to each transaction, a currency exchange rate will be applied to the transaction. Canadian currency is converted to foreign currency at an exchange rate set by Western Union. Any difference between the rate given to you and the rate received by Western Union will be kept by Western Union (and its agents in some cases) in addition to the Western Union Transfer Fee.  You agree to pay to Western Union the Western Union Transfer Fee.
   
   You authorize TD to debit your TD account selected by you during the transaction process for the total amount of the Global Money Transfer you are sending and the Western Union Transfer Fee charged to you by Western Union. TD is not responsible for the Western Union Transfer Fee and foreign exchange rate provided by Western Union.
8. TD transaction records: Your TD transaction records will show two (2) debits: one for the amount of the Global Money Transfer you are sending and another for the Western Union Transfer Fee charged by Western Union. These two (2) debits only count as one chargeable transaction for the purposes of the monthly transaction limits for your account.
9. Limits: Each of TD and Western Union applies limits to the Global Money Transfer that you can send:
   • TD’s per Global Money Transfer limit is $999.99.
   • Western Union’s per Global Money Transfer limit is $999.99, 24-hour limit is $999.99, 7-day limit is $2,999.97 and 30-day limit is $6,999.93.

   Western Union® Money Transfer requests through the TD Platform will count towards your Western Union cumulative limits.

10. No agency relationship: The Western Union® Money Transfer service is provided by Western Union and TD is not acting as your agent for the purposes of your Global Money Transfer or any other dealings between you and Western Union.
11. Use of the TD Platform: You agree not to use the TD Platform, the Global Money Transfer or the Western Union® Money Transfer service to make transfers on behalf of any third party, including any individual, a business or other enterprise, or in any other manner that conflicts with these Terms.
12. Profile update: You must make sure that your profile information with us (name, address and phone or mobile number) is up to date before you use the TD Platform and each time you use it.
13. Consent to collect 3^rd party info: It is your responsibility to provide complete and accurate information required about Recipients. Please carefully review the information you have entered prior to completing the Global Money Transfer. You further agree that the Recipient knows that you are providing Recipient's contact information to TD and Western Union, is aware of the purpose for which the information is being collected, used, disclosed and stored and you have obtained Recipient's consent to such collection, use, disclosure and storage. You further agree that we may disclose this information to Western Union for the purposes of providing the money transfer services to you. The information provided will be used to complete your request and fulfill regulatory requirements and will be treated in accordance with the TD Privacy Policy and Western Union Privacy Statement.
14. Eligible accounts: Not all your accounts are eligible for the purposes of sending the Global Money Transfer. Eligible accounts are listed as part of the account selection made available to you during the transaction process.
15. Cancelling your transaction: If you wish to cancel your Western Union® Money Transfer transaction, you may contact TD at 1-844-352-1148 (en français 1-844-352-1148) or Western Union at 1-866-279-0640 (English and en français). In addition, if a Western Union® Money Transfer transaction is submitted but the funds are not picked up by the Recipient within 60 days after the transaction is submitted, it will be cancelled by Western Union.  You cannot cancel your Western Union® Money Transfer transaction after the funds are picked up by the Recipient.  When your Western Union® Money Transfer transaction is cancelled, TD will credit to your TD account that was used to submit the Western Union Money Transfer transaction (i) the amount of the Global Money Transfer you sent and (ii) Western Union Transfer Fee.
16. Hold, block, reject a request: TD or Western Union may hold, block or reject, as applicable, a request to send a Global Money Transfer that would or may infringe any legal or regulatory requirements in Canada or abroad or otherwise in accordance with TD’s or Western Union’s risk or compliance policies.
17. Liability: The Western Union® Money Transfer service is provided by Western Union. We have no liability to you for the provision by Western Union of these services or for any loss of your funds after they are transferred to Western Union (including resulting from any delay, rejection or cancellation or Western Union’s insolvency).  We are responsible for the operation of the TD Platform.  We are not liable to you for any loss or damages incurred by you for the operation of the TD Platform, except for direct damages suffered where we or our agents were negligent. This limitation on our liability to direct damages applies even if we have been advised of the possibility that you may suffer other types of loss or damages.  In no event are we liable for any loss or damages resulting from the following: (i) any failure, error, malfunction, misuse, delay, or inaccessibility of the TD Platform or of Global Money Transfer, (ii) any system, equipment or service caused by a third party or other circumstances beyond our control, (iii) any rejection or cancellation of transactions, or (iv) any other failure, error, or delay by a third party, or other circumstances beyond our control.
18. Changes to our Terms and changes to TD Platform: Subject to applicable law, we may add to or change the provisions of these Terms at any time.
19. Our right to stop offering the TD Platform: We may stop offering the TD Platform, add or remove countries or territories to which Global Money Transfer may be sent, update any other feature of the TD Platform or stop providing you with access to the Western Union® Money Transfer service via the TD Platform, at any time.
20. Complaints addressed to TD: If you have a problem or concern with the use of the TD Platform, you may call us toll free at 1-844-352-1148 (en français 1-844-352-1148), email us at service@td.com, or visit us at any branch. For a more detailed overview of our complaint process, visit us at www.td.com. If you have a complaint regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, you can contact the Financial Consumer Agency of Canada (FCAC) in writing at 6th Floor, Enterprise Building, 427 Laurier Avenue West, Ottawa, Ontario, K1R 1B9. The FCAC can also be contacted by telephone at 1-866-461-3222 (en français 1-866-461-2232) or through its website at www.fcac-acfc.gc.ca. Please note that the FCAC does not become involved in matters of redress or compensation. For your protection, do not send confidential or personal information (such as your account number) via email, as it is not a secure method of communication. If your request is urgent or requires disclosure of confidential information for resolution, please contact us by phone.
21. Complaints addressed to Western Union: For a problem or concern with Western Union or the Western Union® Money Transfer service, you may call TD toll free at 1-844-352-1148 (en français 1-844-352-1149), email us at service@td.com, or visit us at any branch and we will assist you in directing you to Western Union's complaint process. You can also directly address your concerns to Western Union in accordance with Western Union Terms and Conditions.
22. Other TD agreements: These Terms are in addition to and do not replace any other agreement you may have with us, including the Financial Services Terms and Cardholder and Electronic Financial Services Terms.
23. Governing laws: These Terms are governed by and interpreted in accordance with the laws of the province or territory in Canada where you reside.
24. Language: It is the express wish of the parties that these Terms and any directly or indirectly related documents be drawn up in English. Les parties ont exprimé la volonté expresse que les présentes modalités et tous les documents s'y rattachant directement ou indirectement soient rédigés en anglais.

Current as of June 29, 2020

TD GLOBAL TRANSFER TERMS OF USE

These TD Global Transfer Terms of Use (the "TD Terms of Use" or “Terms”) apply when you use TD Global Transfer. It is a legally binding agreement between you and The Toronto-Dominion Bank. For any capitalized terms not otherwise explained, please see Section 8 - Definitions.

By clicking the applicable confirmation button to accept the Terms or otherwise registering for TD Global Transfer, you confirm that you: (i) are the age of majority in the province you reside; (ii) have read these Terms; and (iii) agree to be bound by these Terms. You should print or download and save these Terms. These Terms are available at the time of registration, and on our public web site – click here for English version and click here for French version. If you do not wish to accept the Terms, please note that you will not be able to use TD Global Transfer.

CONTENTS

SECTION 1 Money Transfer Process
SECTION 2 Fees, Charges, Limits and Foreign Currency
SECTION 3 Held, Rejected or Returned Money Transfer
SECTION 4 Legal Responsibilities
SECTION 5 Changes
SECTION 6 Communications and Contact
SECTION 7 General Information
SECTION 8 Definitions

1.4 What Funding Sources can I use to make the Money Transfer?

The Funding Sources are listed and made available to you during the transaction process and are subject to change at our discretion and without notice.

1.5 Why is providing accurate information important?

The Money Transfers are processed based on the information you provide. When using TD Global Transfer and making any Money Transfer, you must ensure the accuracy of all information needed to complete the Money Transfer, including, without limitation, account numbers, card numbers, email addresses, your name, payee/Recipient name, phone numbers and any other information that may be necessary to complete the Money Transfer. You agree that it is your responsibility to provide complete and accurate information about you and the Recipient. Please carefully review the information you have entered or that may have been pre-populated based on the Recipient information you have previously provided prior to completing the Money Transfer. If you provide inaccurate information, it can interfere with, delay, or prevent the Money Transfer completion, including the funds being deposited with someone else other than the Recipient. In the event you provide erroneous information, we are not responsible for verifying the information you provided, reversing the transaction or recovering the funds transferred as a result of that transaction and we will not be liable for any losses incurred by you as a result of your failure to provide us with correct information.

In addition, to comply with law or internal requirements, we or some of the Sender Parties involved in the Money Transfer, including Third-Party Transfer Service Provider, the Intermediaries and Receiver Parties may require additional information and documentation, including information about and documentation from the Recipient.

1.6 What consent do I need?

You agree and consent that we may disclose your and Recipient information to the Third-Party Transfer Service Providers, the Sender Parties, the Intermediaries and the Receiver Parties for the purposes of completing your Money Transfer request, and such information may be accessed by foreign or domestic authorities or regulatory bodies as a result, and will be subject to the laws of such foreign jurisdiction which may have different privacy standards. You further agree and consent that with respect to the Recipient information, the Recipient: (i) knows that you are providing their information to TD, the Third-Party Transfer Services Provider, the Sender Parties, the Intermediaries and the Receiver Parties, where applicable; (ii) is aware of the purpose for which the information is being collected, used, disclosed and stored; and (iii) you have obtained Recipient's consent to such collection, use, disclosure and storage. You confirm that you have the authority to provide such consent and acknowledgements on behalf of the Recipient. The information provided will be used to complete your Money Transfer request and fulfill regulatory requirements.

1.7 Are there any restrictions to use TD Global Transfer?

You agree not to use TD Global Transfer to conduct any improper, illegal, possible fraudulent or unauthorized activity. TD Global Transfer, TD Transfer Services and Third-Party Transfer Services are for personal use only and you shall not use TD Global Transfer, TD Transfer Services or Third-Party Transfer Services to make Money Transfers on behalf of any third-party individual, business or other enterprise, or in any other manner that conflicts with these Terms.  TD reserves the right to terminate and/or suspend your access and use to TD Global Transfer as set out in this Agreement.

1.8 Can I change or cancel the Money Transfer?

• TD Transfer Services. If you request a change to or cancellation of the Money Transfer, we will try to do so on a commercially reasonable efforts basis only however we cannot guarantee that a Money Transfer change or cancellation is possible once you have submitted the request to send the Money Transfer. We also do not control the funds after they leave TD. Fees may apply for any change or cancellation request.
• Third-Party Transfer Services. If you wish to cancel your Money Transfer sent through the Third-Party Transfer Services, you may contact TD at 1-844-352-1148 (en français 1-844-352-1149). You cannot cancel your Money Transfer after the funds are received by the Recipient. 

SECTION 2. FEES, CHARGES, LIMITS AND FOREIGN CURRENCY

2.1 What Transfer Services fees apply? How are they charged?

You authorize TD to debit the Funding Source selected by you during the transaction process for the total amount of the Money Transfer you are sending, and the TD Transfer Fee or the Third-Party Transfer Fee, as applicable.   TD is not responsible for the Third-Party Transfer Fee and foreign exchange rate provided by the Third-Party Transfer Services Provider. Your TD transaction records will show two (2) debits: one for the amount of the Money Transfer you are sending and another for either the TD Transfer Fee or the Third-Party Transfer Fee, as applicable. These two (2) debits only count as one transaction for the purposes of the monthly transaction limits for your account.

The Money Transfers are transactions to which regular account transaction charges may apply. These transaction charges are disclosed in TD's disclosure document, About our Accounts and Related Services. 

• TD Global Transfer. TD does not charge you a fee for the use of TD Global Transfer.
• TD Transfer Services Fees. When you use TD Transfer Services to send Money Transfers, we will charge you a transfer fee (the "TD Transfer Fee") displayed to you prior to fulfilling each transaction so you can review it and consent or decline the transaction.
• Third-Party Transfer Services Provider fees. When you use the Third-Party Transfer Services to send Money Transfers, the Third-Party Transfer Services Provider will charge you a transfer fee (the "Third-Party Transfer Fee") that will be displayed to you prior to fulfilling each transaction so you can review it and consent or decline the transaction.

2.2 What other fees or amounts may apply?

• TD Transfer Services. You acknowledge that the Receiver Parties and/or Intermediaries involved in the transfer may charge a fee to process the transfer, including conversion fees if funds are converted to another currency, and these fees may be deducted from the transfer amount, resulting in the Recipient receiving a lesser amount. We do not know the fees or other amounts that the Receiver Parties or the Intermediaries may apply, including, without limitation, any local charges or taxes, and we are not liable for any fees that may be charged by a Receiver Party or any Intermediaries.
• Third-Party Transfer Services. Before you submit your request to initiate the Money Transfer using the Third-Party Transfer Services, the Third-Party Transfer Services Provider is responsible for disclosing to you the details about fees, taxes, transaction limits or other relevant information relating to specific countries.

2.3 What currency and foreign exchange rate is used for the Money Transfer?

• TD Transfer Services. 

  When you make the Money Transfer using TD Transfer Services, you authorize us to send the funds using the available currency selected by you. If you are making the Money Transfer in a currency that is different from the Funding Source you are using to fund it, we will quote you our foreign currency exchange rate. You can choose whether to go ahead with the purchase using the foreign currency exchange rate disclosed to you at the time of the purchase. If you agree to move forward, you are accepting the foreign currency exchange rate we disclose to you. The foreign currency exchange rate is set by TD and will be determined by TD in its sole discretion based on the factors that we determine to be relevant. The factors include, without limitation, market conditions, foreign exchange rates charged by other parties, our costs, our risks, business factors, economic factors and the amount of profit which will be earned by TD on the foreign currency exchange and any other relevant considerations. The foreign currency exchange rate that is set by TD is higher than the rate paid by TD to acquire and make available to you a particular currency, which means that TD earns revenue on all currency exchanges.

  In addition, in certain circumstances after the Money Transfer leaves TD, it may be converted to another currency. For example, currency conversion may be necessary if you sent the Money Transfer without using the local currency of the Recipient’s financial institution or Recipient’s account.

  Certain currencies are a zero-decimal currency and in certain instances payments must be entered in whole currency amounts without decimal points to avoid rejection. Amounts converted into a currency selected by you will also be rounded up if the last digit is 5 or greater or down if the last digit is less than 5.

• Third-Party Transfer Services. For the Third-Party Transfer Services, the Third-Party Transfer Service Provider determines the foreign currency exchange rate that applies to your Money Transfer. Before you submit your request to initiate the Money Transfer using the Third-Party Transfer Services, the Third-Party Transfer Services Provider is responsible for disclosing to you the foreign currency exchange rate (including estimates). When you use the Third-Party Transfer Services, Canadian currency is converted to foreign currency at a foreign currency exchange rate set by the Third-Party Transfer Services Provider. Any difference between the rate given to you and the rate received by Third-Party Transfer Services Provider will be kept by the Third-Party Transfer Services Provider (and its agents in some cases) in addition to the Third-Party Transfer Fee.

2.4 TD compensation

With respect to certain Money Transfers made using the Third-Party Transfer Services, TD will receive compensation from the Third-Party Transfer Service Providers.

2.5 What are the limits that apply to the Money Transfer?

TD, the Third-Party Transfer Services Providers, including an Intermediaries and Receiver Parties may set limits on the Money Transfer, including the amount of money you are allowed to send, the amount of money the Recipient is allowed to receive or the currency in which the funds are received when you send the Money Transfer. TD does not control any limits applicable to the Recipient and it is your responsibility to confirm with the Recipient what if any such limits may apply.

SECTION 3. HELD, REJECTED OR RETURNED MONEY TRANSFER

3.1 Who can hold, reject or return the Money Transfer?

TD, the Third-Party Transfer Service Provider, the Sender Parties, the Intermediaries or the Receiver Parties may hold, reject or return the Money Transfer.

3.2 What might prevent the Money Transfer from completing?

TD, the Third-Party Transfer Services Provider, the Sender Parties, the Intermediaries or the Receiver Parties may hold, block or reject, as applicable, a request to send a Money Transfer because of: (i) inaccurate information detected in a Money Transfer; (ii) legal or regulatory requirements in Canada or abroad, including economic sanctions; (iii) fraud, risk or compliance policies and procedures; or (iv) other reasonable grounds from time to time.   

3.3 Are there refunds for cancelled, rejected, declined, unclaimed or incomplete Money Transfer?

• TD Transfer Services. If the Money Transfer is declined or unclaimed by the Recipient, or is not completed, we will use commercially reasonable efforts to attempt to obtain a refund at your request from the Receiver Parties. If all or some of the Money Transfer funds are returned, we will first convert the funds into the same currency as the amount of the Money Transfer at the rate of exchange set by TD, established at the time the funds are converted for the return. We are not liable to credit you any amount which was not credited to us including the difference in the foreign currency exchange rates.
• Third-Party Transfer Services. When your Money Transfer transaction is cancelled, TD will credit to your Funding Source that was used to submit the Money Transfer transaction (i) the amount of the Money Transfer you sent, and (ii) the Third-Party Transfer Fee.

SECTION 4. LEGAL RESPONSIBILITIES

4.1 Are there limits to the liability of TD or other parties?

TD has no liability to you for the provision by the Third-Party Transfer Services Providers of the Third-Party Transfer Services or for any loss of your funds after they are transferred to the Third-Party Transfer Services Provider (including resulting from any delay, rejection or cancellation or the Third-Party Transfer Services Provider's insolvency). TD is not liable to you for any loss or damages incurred by you for the operation of TD Global Transfer, except for direct damages suffered where we or our agents were negligent. This limitation on our liability to direct damages applies even if we have been advised of the possibility that you may suffer other types of loss or damages.  Except as set out in this section, in no event are we liable for any loss or damages resulting from the following: (i) any error, delay, failure, inaccessibility, malfunction, or misuse of TD Global Transfer or any of the Transfer Services; (ii) inaccurate or insufficient information provided by you; (iii) any system, equipment or service failure caused by a third party or other circumstances beyond our control; (iv) any hold, block, rejection or cancellation of the Money Transfer; (v) acts or omissions by us, our affiliates, the Sender Parties, the Intermediaries; and the Receiver Parties, including for gross negligence or willful misconduct; (vii) any other error, delay, failure, mistake or rejection in sending the Money Transfer, including by any Sender Parties, Third-Party Transfer Service Providers, Intermediaries or Receiver Parties, or other circumstances beyond our control; (viii) foreign currency exchange conversions or changes in foreign currency exchange rates; (ix) any fees or other amount that may be charged by any Receiver Party or any Intermediary, including any fees or interest that may be deducted from the transfer amount; or (x) any delay related to sanctions. TD and the Sender Parties are not liable for any consequential, special, indirect, or punitive damages.

SECTION 5. CHANGES

5.1 How do we make changes to the Terms, TD Global Transfer or the Transfer Services?

• We may change the Terms. Subject to applicable law, we may add, remove or change any provision of these Terms or replace these Terms with another agreement at any time. If we do so, we will provide you with notice before the changes come into effect. If you use TD Global Transfer after being notified of changes to the Terms and those changes have come into effect, you are deemed to have reviewed and accepted those changes.
• Our right to stop offering TD Global Transfer. We may stop offering TD Global Transfer, add or remove countries or territories to which the Money Transfer may be sent, update any other feature of TD Global Transfer or stop providing you with access to any Transfer Services via TD Global Transfer, at any time. These Terms will apply to any changes to TD Global Transfer.
• We may terminate or suspend. At any time, we can terminate any part of these Terms or suspend or terminate your access to TD Global Transfer for any reason whatsoever at any time without prior notice, including, without limitation, if you use TD Global Transfer on behalf of a third party.

SECTION 6. COMMUNICATIONS AND CONTACT

6.1 How we will contact you?

You consent to us communicating with you electronically, including through the EasyWeb Message Center, TD websites, TD mobile app, email, text message, or any other electronic delivery method. We may also communicate with you or send you notifications by mail. Communications with you by electronic means have the same legal effect as if they were provided on paper. You will not dispute any communication with us on the basis that it was signed, delivered, received or entered into by electronic means.

6.2 How you can contact us and the Third-Party Transfer Services Providers?

• TD. If you have any question with the use of TD Global Transfer, you may call us toll free at 1-844-352-1148 (en français 1-844-352-1149), email us at customer.service@td.com, or visit us at any branch.
• Third-Party Transfer Services Providers. For a problem or concern with any Third-Party Transfer Services, you may call TD toll free at 1-844-352-1148 (en français 1-844-352-1149), email us at customer.service@td.com, or visit us at any branch and we will assist you in directing you to the applicable Third-Party Transfer Services Providers complaint process. You can also directly address your concerns to Third-Party Transfer Service Provider in accordance with the Third-Party Terms.

When you choose to communicate with us using a potentially unsecure method, like paper mail or unencrypted communications (such as email, fax, text, or other means), we are not responsible if the following occurs: your message is altered; your message is lost; someone accesses it without permission; someone or something obstructs delivery.

6.3 Who do you contact with complaints?

Tell us about your complaint in the way that is most convenient for you. You may contact a Customer Service Representative at your branch or business unit that handles your account. If you have a complaint regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, you can contact the Financial Consumer Agency of Canada (FCAC).

• TD. If you have a problem or concern, you may call us toll free at 1-833-259-5980, email us at customer.service@td.com, or visit us at any branch. For a more detailed overview of our complaint process, visit us at www.td.com.
• FCAC.If you have a complaint regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, you can contact the Financial Consumer Agency of Canada (FCAC) in writing at 6th Floor, Enterprise Building, 427 Laurier Avenue West, Ottawa, Ontario, K1R 1B9. The FCAC can also be contacted by telephone at 1-866-461-3222 (en français 1-866-461-2232) or through its website at www.fcac-acfc.gc.ca. Please note that the FCAC does not become involved in matters of redress or compensation. For your protection, do not send confidential or personal information (such as your account number) via email, as it is not a secure method of communication. If your request is urgent or requires disclosure of confidential information for resolution, please contact us by phone.

SECTION 8. DEFINITIONS

We use the following terms throughout and want to make sure you understand what they mean:

Electronic Signature means any electronic information unique to you, which you create or adopt to show your acceptance. Examples of an Electronic Signature include an electronic representation of your handwritten signature, or clicking on an “I Accept” button, combined with relevant data such as date, time and user ID;

Funding Source means any of account or other source of funds that we deem eligible as a payment source for transactions;

Money Transfer means an electronic transfer of funds from you to another person using either TD Transfer Services or Third-Party Transfer Services;

Recipient means a person who is intended to receive the funds you send using TD Global Transfer;

TD Global Transfer means a platform offered an operated by TD, through TD app or EasyWeb Online banking, which enables you to send Money Transfers using either TD Transfer Services or Third-Party Transfer Services;

TD Transfer Services means transfer services provided by TD;

Us/we/our/TD means The Toronto-Dominion Bank and its affiliates in Canada; and

You/your means you, as TD customer.

The following terms and conditions, including the TD Wheels App Privacy Terms and Other TD Agreements, and any amendments (collectively the "Terms") are a legal agreement between you ("you" or "your") and The Toronto-Dominion Bank ("TD") and TD Auto Finance (Canada) Inc. ("TDAF") (individually and collectively) ("TD", "TDAF" "we" or "us") for your use of this App ("TD Wheels App"). It is important that you read and understand these Terms.

By clicking the "I agree" button below or by continuing to use the TD Wheels App, you are taken to have read and agreed to all of these Terms.

You agree that we may add to or change these Terms at any time and will provide notice to you by posting such notice on the TD Wheels App or by other means we consider appropriate. Your continued use of the TD Wheels App following such notice means that you agree to the Terms as amended.

If at any time you do not agree to these Terms or any changes we make to them, you must no longer use the TD Wheels App. You may review and print the most current version of the Terms available by accessing the Terms from https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers.

1. TD Wheels App Privacy Terms

TD Wheels App will collect, use and disclose your personal information as follows:

• The TD Wheels App will store information inputted about vehicles you are interested in, your current vehicle, income and expenses. This information is stored within your device and may be deleted by uninstalling the TD Wheels App from your device.
• If you request a dealership to contact you, the TD Wheels App will provide your contact information and vehicle selection to the dealership so it can schedule an appointment with you so you can learn more about the vehicle and related TDAF financing offers. TD does not guarantee that such dealership will contact you. Please refer to the specific dealership's privacy notice for information on how they manage your personal information. For the purposes of locating a dealer and providing you rates within your province, the App will collect information you provide to us including geolocation (if enabled on your device).
• The TD Wheels App will collect device-related information including mobile device identification number (IMEI) (depending on your mobile device), and other device-related information such as the make and model of your device, its operating system, MAC address, Integrated Circuits Card Identifier, information about its screen size, and the time and date of your use of the TD Wheels App.

Please see our Privacy Policy available at https://www.td.com/ca/en/about-td/privacy-and-security/our-privacy-commitments for more information about how we handle the information we obtain from you when you use the TD Wheels App.

2. Other TD Agreements

The terms of the agreements that you entered into or may enter into with TD for your TD account(s) or other products or services (as such agreements are amended or replaced by TD from time to time, the "TD Agreements") also apply to your use of the TD Wheels App. These Terms are in addition to and do not in any way amend or replace the TD Agreements that apply to your TD account(s), or other TD products or services, unless we have specifically advised you in these Terms.

3. Information about the TD Wheels App

The TD Wheels App also enables you to:

• Browse new vehicle makes, models, and certain vehicle options and review payment estimates of purchase financing options for such vehicle available from TD Auto Finance;
• Request an appointment from a vehicle dealership once you have selected options that best suits your needs.
• Determine if you pre-qualify for financing for the financing requested.
• The TD Wheels App and the information, products, or services referenced in the TD Wheels App are intended for use in Canada by Canadian residents only.

4. Accuracy Of Information, Prices And Discounts, Payment Estimates AND Representative Financing Examples

The financial information referenced in the TD Wheels App does not constitute an offer or guarantee of any available purchase financing options. You must contact the selected dealership to see if you qualify and for complete and up-to-date details of current purchase financing offers. Provincial variations may exist.

Pricing, information about a particular vehicle, information in the trade-in-estimator, information about any available discounts and other information found within the TD Wheels App is for general information purposes only and should be considered an estimate. This information is supplied by a third-party supplier, not by TD. TD does not guarantee the accuracy, completeness, timeliness, or reliability of any of the information or materials on the TD Wheels App. TD does not guarantee that any particular vehicle will be available from a dealership or that any dealership will supply that vehicle to you and any particular price. The price and other terms of any sale, including actual purchase financing and the value of your trade-in, remain subject to direct negotiation between you and the dealership.

Discounts (which may include incentives, credits, bonus payments, and similar benefits) are offered and made available only by the manufacturer and/or dealership and not TD. Discounts will be used in the TD Wheels App to determine the estimated amount you may need to borrow and to estimate your payment for the vehicle you have selected– for illustrative purposes only. Such discounts are subject to terms, conditions, restrictions and limitations which are established and administered by the manufacturer and/or dealership from time to time. Information about Discounts is provided for general information purposes only and are considered an estimate. Actual discounts and their terms may vary by region, seasonality and duration. Discounts may be paid on a before tax or after-tax basis depending on the type of discount. Some discounts are offered to cash purchases only and by selecting to finance your purchase you may be giving up such discounts which may impact your overall cost of borrowing and APR (Credit Rate in Quebec). Consult your dealership for all current information about discounts which may apply the vehicle you have selected.

Payment estimates are also provided for general information purposes only. TD does not guarantee the accuracy of any of the payment information on the TD Wheels App. Payment estimates, at your option may or may not include applicable taxes. Payment estimates include freight charges but do not include dealership pre-delivery inspection ("PDI"), license, insurance, registration and applicable duties, levies and fees. Payment estimates do include any available manufacturer or dealership promotional credits or discounts. If you have selected a term and rate of your choosing in a calculation you acknowledge that the rate and any resulting periodic payment may not be available to you from the dealership or TD. Actual payments, rates and other terms may vary. Consult the selected dealership for actual vehicle pricing and payment information. These estimates apply only to Canadian residents and are quoted in Canadian dollars.

Representative Financing Examples:

All representative financing examples below are provided for general information purposes only and are not intended to illustrate the financing terms applicable to any specific vehicle you may select using the TD Wheels App. There are no offers of fixed credit through the TD Wheels app. Financing is only available on approved credit ("OAC") by TDAF to qualified applicants. Actual financing terms and conditions may require a down payment and/or trade-in. Monthly payment and cost of borrowing will vary depending on the actual amount borrowed, the down payment and/or trade-in. Available financing may be time limited and may not be combined with other offers. TDAF may change, extend or terminate available financing at any time without notice. Other terms, conditions and limitations may apply. Void where prohibited by applicable law. See your dealership for actual financing terms applicable to the vehicle you have selected.

Representative Example 1: $30,000 financed at 0% annual percentage rate equals $500 monthly payment for 60 months. Cost of borrowing is $0, for a total obligation of $30,000. 60 monthly payments required.

Representative Example 2: $30,000 financed at 5.99% annual percentage rate equals $579.84 monthly payment for 60 months. Cost of borrowing is $4790.67, for a total obligation of $34,790.67. 60 monthly payments required.

Representative Example 3: $60,000 financed at 0% annual percentage rate equals $714.29 monthly payment for 84 months. Cost of borrowing is $0, for a total obligation of $60,000. 84 monthly payments required.

Representative Example 4: $60,000 financed at 4.99% annual percentage rate equals $847.75 monthly payment for 84 months. Cost of borrowing is $11,211.22, for a total obligation of $71,211.22. 84 monthly payments required.

Neither TD nor any of its affiliates are engaged in the business of selling vehicles. For purposes of the TD Wheels App, TD is not an agent, intermediary or representative of any dealership, vehicle manufacturer or any third party involved in providing information used in the TD Wheels App, nor are such entities agents, intermediaries or representatives of TD.

5. Care And Control Of Your Mobile Device, TD Wheels App And User Information

You are responsible for the care and control of your mobile device, and the user identification, PIN, safekeys or safepicture if applicable, password, passcode lock, lock screen and verification questions and answers associated with your mobile device and your use of the TD Wheels App ("User Information"). You must take reasonable steps to safeguard and protect your mobile device and User Information.

You must:

• keep possession of your mobile device;
• keep a lock screen or passcode lock (each a "Device Lock") on your mobile device at all times;
• keep your User Information separate from your mobile device;
• keep your User Information strictly confidential and not share it with anyone;
• not permit anyone to use TD Wheels App on your mobile device, including but not limited to accepting any offers presented by TD Wheels App on your mobile device;
• take all reasonable precautions to ensure that no one finds out your User Information, including while you key in User Information on your mobile device;
• avoid User Information and Device Locks that may be easily determined by others, such as birthdays, phone numbers, age, social insurance number, etc.; and
• ensure that each password or other identifier is unique

You are solely responsible for: (i) acquiring any hardware, device, wireless or Internet access required for you to use TD Wheels App; and (ii) any fees or other charges imposed by your mobile device provider, wireless services carrier or Internet service provider. It is your responsibility to determine if your mobile device provider, wireless services carrier or Internet service provider supports the TD Wheels App or if your mobile device is capable of accessing the Internet.

7. Disabling The TD Wheels App or Blocking Access

You may disable the TD Wheels App at any time by uninstalling the app from your device. Please refer to your user manual for instructions. By un-installing the TD Wheels App from your device, all information stored locally on the device such as past vehicle selections or trade-in information will be deleted.

8. Installing And Using Modifications To The TD Wheels App

If we upgrade, update or modify the TD Wheels App (including bug fixes, patches and new versions provided to you, "Modifications"), you may be required to promptly install and use the Modifications in order for you to be able to continue to access and use the TD Wheels App. TD may provide Modifications at any time with or without notice to you. TD, however, is under no obligation to make Modifications.

9. License Grant

You are granted a limited, revocable, non-transferable, non-exclusive license to use TD Wheels App on a mobile device that you own or control. TD can terminate this license at any time and with or without any reason. TD Wheels App is licensed, not sold, to you. You must not rent, lease, lend, sell, redistribute or sublicense TD Wheels App or any part of it. You agree that TD retains all right, title and interest in and to TD Wheels App including copies and portions of it. You may not decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, copy, reproduce, or create derivative works of, TD Wheels App or any part of it. You may not use TD Wheels App for any purpose that is illegal, fraudulent or infringes another person's rights. You agree to comply with any other requirements, restrictions or limitations provided by TD upon notice to you. You further agree to comply with any requirements, restrictions or limitations provided by a third party (including the app store provider, your mobile device provider or your wireless services carrier) relating to your use of TD Wheels App. TD logos and TD trademarks (collectively "TD Marks") are all owned by TD. You may not use TD Marks or any other intellectual property owned by TD or any other third party without the written consent of the owner.

10. Possible Effects Of Installation, Removal Or Usage Of TD Wheels App And Disclaimer Of Damages
And Warranty License Grant

YOU AGREE THAT YOUR USE OF OR INABILITY TO USE THE TD WHEELS APP IS AT YOUR SOLE RISK. TD WHEELS APP IS PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR COLLATERAL, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. WE DO NOT GUARANTEE THAT THE TD WHEELS APP OR ITS PRODUCTS OR SERVICES WILL BE CONTINUOUSLY AVAILABLE OR THAT THEY WILL BE FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS.

11. Limitation Of Liability

YOU AGREE THAT TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT WILL TD AND ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, AGENTS AND SUBCONTRACTORS BE LIABLE FOR ANY DAMAGES (INCLUDING INCIDENTAL, SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES, DAMAGES FOR LOSS OF PROFITS, REVENUE, OPPORTUNITY, LOSS OF DATA OR BUSINESS INTERRUPTION), ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE TD WHEELS APP.

12. Indemnification by You

You hereby agree to defend, indemnify, and hold us (including third-party licensors and their respective directors, officers, shareholders, employees, agents and subcontractors) harmless from and against any liability, loss, claim, and expense, including legal fees and disbursements on a solicitor-client basis (i) related to your violation of these Terms; (ii) your use of the TD Wheels App including the information provided to you through the TD Wheels App; or (iii) any dispute between you and any third-party (including any provider of third-party content).

13. Termination

We may suspend, cancel or block your access to or use of the TD Wheels App at any time and for any reason, without notice or liability to you.

14. If You Have A Problem Or Concern

If you have a problem or concern you may contact us via the following methods. For a more detailed overview of our complaint handling process, please visit us at www.tdautofinance.ca.

Mail: TD Auto Finance (Canada) Inc. P.O. Box 4086, Station A, Toronto, Ontario, M5W 5K3 Telephone: 1-866-694-4392 Fax: 1-800-832-8911

Please include your full name, address, telephone number(s) and the details of your concern in your communication. If your request is urgent or requires disclosure of confidential information for resolution, please call us.

15. Your App Store Provider

You acknowledge that these Terms are between you and TD and not with the app store provider. You agree that the app store provider and its affiliates, and the wireless services carrier: (a) are not liable to you in any way whatsoever for the distribution, use, performance or non-performance of the TD Wheels App; (b) have no obligation whatsoever to furnish any maintenance and support services to you with respect to the TD Wheels App; (c) are not responsible for addressing any claims you may have relating to the TD Wheels App or your possession or use of the TD Wheels App, including, but not limited to, any claims that TD Wheels App fails to conform to any applicable legal or regulatory requirements, and any claims arising under consumer protection or similar applicable law; (d) are not responsible for the investigation, defense, settlement or discharge of any third party claims that TD Wheels App or your possession or use of TD Wheels App infringes that third party's intellectual property rights; and (e) are third party beneficiaries to these Terms solely in respect of this Section.

16. Governing Law

These Terms are governed by the laws of province or territory where you reside in Canada and the laws of Canada applicable therein. You agree that the courts of such province or territory will have exclusive jurisdiction to entertain any action arising under these Terms. These Terms do not modify any other agreement you may have with TD. If there is a conflict between any other agreement with TD and these Terms, these Terms shall govern.

17. Severability

If for any reason a court of competent jurisdiction finds any provision of these Terms invalid or unenforceable, then that provision of these Terms shall be replaced with a valid provision having similar effect to the greatest extent possible, and the remaining provisions of these Terms shall remain in full force and effect.

18. Terms Drawn Up in English

It is the express wish of the parties that these Terms and any directly or indirectly related documents be drawn up in English. Les parties ont exprimé la volonté expresse que les présentes modalités et tous les documents s'y rattachant directement ou indirectement soient rédigés en anglais.

It is important that you read and agree to all of the terms and conditions below, as they apply when you apply for the TD Wheels^TM Pre-Qualification (the "Pre-Qualification") made available by The Toronto-Dominion Bank ("TD") and TD Auto Finance (Canada) Inc. ("TDAF") (individually and collectively) ("TD", "TDAF" "we" or "us").

Pre-Qualification Terms and Conditions

Pre-Qualification means only that you may qualify for the loan requested based on the accuracy and completeness of the information you provide us, including any information you enter in or which is derived from the TD Wheels Calculator. Pre-Qualification does not grant credit and is not an approval or pre-approval for credit. Pre-Qualification is only valid for the selected vehicle. 

You represent that you meet the following eligibility criteria:

• you are a permanent resident of Canada
• you are the age of majority in the province or territory where you will be purchasing a vehicle

To be approved or pre-approved for credit, you must submit a full credit application at the dealership. TDAF may use additional or different criteria in assessing an application submitted at the dealership which may return different results. Pre-Qualification results are intended for illustrative and general purposes only and do not mean you will be granted credit.

TDAF reserves the right to cancel or change the terms of your Pre-Qualification (including, but not limited to, the amount of credit you may qualify for and the applicable interest rate) any time without notice. TDAF reserves the right to make any final credit decision.

With your consent, your consumer credit bureau report will be accessed for the purposes described below, including to help determine your Pre-Qualification. Accessing your consumer credit bureau report as part of this mobile Pre-Qualification application process will not impact your credit score. However, your credit score may be impacted if you choose to continue the approval process at the dealership.  

You may review and print the most current version of the terms and conditions available by accessing the Terms from https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers.

Collection, Use and Sharing of Your Personal Information 

As part of the Pre-Qualification process, you also understand and agree to all of the following:

In this section, "you", "your", and "yours" mean the applicant. "We", "us", and "our" mean the TD Bank Group*. "Dealership" means (the supplier of goods and/or services to you) the dealer who receives any Information about you from TD Wheels. "Information" means personal, financial, credit and other details about you that you provide to us and that we obtain from others outside the organization, including through the products and services you use. "Manufacturer" means the manufacturer of the vehicle you are selecting using this TDAF App and its agents and suppliers.

TD will use the Information you provide, for the purpose of verifying your identity and to obtain your consumer credit bureau report as described below. 

In order to process your application for Pre-Qualification, we are required to ask you for Information. The Information that you provide will be compared against the Information contained in the consumer credit report we access (called a "soft check") to help confirm your identity. The consumer credit report will also be used to assess your application for Pre-Qualification. Should the Information you provide not match the Information contained in your consumer credit report, you will not be able to complete the Pre-Qualification through TD Wheels. Note: We will refer to one consumer credit report for one or more applications for Pre-Qualification through TD Wheels provided the consumer report on file is less than sixty (60) days old. If it is more than sixty (60) days old we will access a new consumer credit report for such application for Pre-Qualification. 

You agree that, throughout our relationship with you, we may obtain, use and share Information about you with: you, credit reporting agencies, governmental agencies responsible for registration of vehicles and/or recording of driver's license information, other lenders, the Dealership and other suppliers of goods and services to you, for the purposes of validating your identity, reviewing and verifying your creditworthiness, servicing the loan and for debt collection and contract enforcement purposes. During the term of your loan (and for a period of two (2) years thereafter), we may also share Information with the Manufacturer, the Dealership, or any third party dealer you may subsequently have dealings with for trade-in purposes, their agents and suppliers (including a copy of any credit pre-qualification application,  all of the terms, conditions and status of your loan with us, such as amounts financed and owing, interest rate, whether your loan is in good standing, and whether your loan has been fully or partially repaid, vehicle information, and your contact information) for the purposes of: 

(i)  administering loan programs including end of term options available to you; 

(ii) facilitating the trade-in of your vehicle with our consent; or 

(iii) enabling the Manufacturer, the Dealership, their agents and suppliers to conduct analytics and to better market their products and services, including contacting you with specific offers and promotions which they believe would be of interest to you.

If you do not wish us to share your contact Information for this purpose, please call us at 1-866-694-4392. 

Please note that your loan information will continue to be shared in order to administer the loan programs. 

You must contact the Manufacturer, Dealership or third-party dealer directly if you wish to opt-out of receiving marketing materials from them. Any personal information that you provide directly to the Manufacturer, Dealership or third-party dealer will be governed by their own privacy policies and is not the responsibility of TD Bank Group.

You also agree that, throughout our relationship with you, we may also obtain, use and share information about you in the manner described in the TD Privacy Policy which has or will be provided to you and is available at https://www.td.com/privacy, for the purposes of providing ongoing service, sharing Information with our affiliates, meeting legal requirements, understanding your financial needs, protecting us both from fraud and error, and marketing products and services to you by telephone, fax, and automatic dialing-announcing device, at the numbers you have provided us, or by internet, mail, email or other methods. If there is a conflict between the provisions of on any credit pre-qualification application and the Privacy Policy, the provisions of any credit pre-qualification application will prevail.

You acknowledge that the Dealership is our agent only for the purpose of completing any credit application and identification disclosure and submitting it to us for approval. You certify that all Information any credit pre-qualification application is true, accurate and complete.

You confirm that any credit pre-qualification application submitted is not for the benefit of any person other than yourself. 

The Dealership is not permitted to make any representations or warranties that are inconsistent with the written terms and conditions of any agreement with us.

More Information

For further details about our privacy practices, visit https://www.td.com/privacy or contact us at 1-866-694-4396 for a copy of the TD Privacy Policy.

You acknowledge that we may amend the TD Privacy Policy from time to time. We will post the revised TD Privacy Policy on our website listed above. We may also make them available at our branches or other premises or send them to you by mail. You acknowledge, authorize and agree to be bound by such amendments.

It is important that you ("you" or "your") read these privacy terms and temporary profile terms and conditions (together, the "Terms") which follow, as they will apply each time you use the Temporary Profile Service made available by The Toronto-Dominion Bank and its Canadian affiliates and associates ("TD", "we" or "us") .

"Temporary Profile Service" is a service available through the TD website that allows you to set up a profile to save and resume any in-progress TD applications that you have not yet submitted to TD (“Applications”). The Temporary Profile Service is further described in section 1 of the Terms and Conditions below.

By clicking the checkbox below the Terms, or by using the Temporary Profile Service, you are taken to have read and agreed to the Terms, as amended from time to time.

You agree that we may add to or change these Terms from time to time and will provide notice to you by posting the revised Terms on the TD website at https://www.td.com/ca/en/about-td/privacy-and-security/our-privacy-commitments or by other means we consider appropriate. Your continued use of the Temporary Profile Service following such notice means that you agree to the Terms as revised. If at any time you do not agree to these Terms or any changes we make to them, you must no longer use the Temporary Profile Service.

If you are using the Temporary Profile Service on behalf of a sole proprietorship, partnership, corporation or association (each a "Business"), "you" or "your" refers to both the Business and you as an individual user on its behalf and you represent that you are duly authorized to enter into these on behalf of the Business. These Terms are in addition to, and do not in any way amend or replace, the terms of any agreements that you have entered into, or may enter into, with TD, including but not limited to agreements related to any TD account(s) or particular products or services, unless we have specifically advised you otherwise in these Terms.

Capitalized terms defined in any section herein, apply throughout the Terms. You may review and print the most current version of the Terms by visiting https://www.td.com/ca/en/about-td/privacy-and-security/our-privacy-commitments.

PRIVACY TERMS

TD will, as part of the Temporary Profile Service, collect and use your information as follows:

• In order to set up a temporary TD profile ("Profile") and to use the Temporary Profile Service, you will need to provide certain personal information about yourself to TD, including first and last name, a valid e-mail address ("Profile e-mail") and a telephone number (each, a "Profile Phone Number"). We will also collect information about your Application(s), including the type of product you are applying for, the progress of your Application(s) and how you use the Temporary Profile Service. "Information" means all of the information described in this paragraph.
• Each time you request access to your Profile, TD sends you a unique access code ("TD Verification Code") to your Profile Phone Number through your preferred delivery method of either (i) a short message service ("SMS"); or (ii) automated voice message.
• TD will use your Information to send you electronic communications related to the maintenance and administration of your Profile, as part of the Temporary Profile Service.
• We will use your Information to analyze your needs and activities to help us serve you better and develop new products and services.
• If you opt in to receive marketing communications, we may also use your Information to contact you for marketing purposes. Specifically, we may contact you by telephone, text messaging and email to tell you about other TD products and services that may be of interest to you. Standard wireless carrier message and data rates may apply. You may update your marketing preferences for the Temporary Profile Service at any time through your Profile.
• You cannot update your Profile e-mail once your Profile is registered. Within your Profile, you may update your Profile Phone Number(s) and other Information, except your Profile email.
• We will retain your Profile, saved Application(s) and related Information, for up to 180 days from the creation of your Profile. We will retain your Profile Phone Number and Profile email for up to twelve months from your last log in into your Profile. We will retain any submitted Applications for up to eight years from submission of the Application. Please see sections 1 and 8 of the Terms and Conditions below for more information.

Please see our Privacy Policy available at https://www.td.com/ca/en/about-td/privacy-and-security/our-privacy-commitments for more details about how we handle your Information.

TERMS AND CONDITIONS

1. DESCRIPTION OF SERVICE

   a. The Temporary Profile Service is a service available through the TD website that allows you to set up a Profile for a limited period of time. Your Profile will be available for you to access for up to 180 days ("Active Period") from the date your Profile is created when a confirmation screen is displayed by TD.

   b. Subject to the exceptions set out within these Terms, during the Active Period, you may:

   a. access and resume any Applications saved within your Profile that have not been submitted to TD for approval;

   b. check the status of Applications that have been submitted to TD for approval; and

   c. perform other activities related to applying for a TD product such as setting up an appointment with a TD representative.

   c. Your Profile will be deleted once any of the following occurs:

   a. An Application is approved by TD and (i) you enroll into EasyWeb or WebBroker upon approval or (ii) you already have an active EasyWeb or WebBroker profile;

   b. The Active Period expires;

   c. TD can no longer verify your identity and you have not submitted any Applications;

   d. You are locked out of your Profile for security reasons; or

   e. TD otherwise suspends or terminates the Temporary Profile Service as set out in Section 10.

   d. As part of the Temporary Profile Service, TD will send you electronic communications related to the maintenance and administration of your Profile.
   

2. TD Verification Code

   a. To access your Profile after it has been created, you will need to enter your Profile e-mail and select whether you wish to receive a TD Verification Code to your Profile Phone Number by either (i) SMS; or (ii) automated voice message. If you select automated voice message and you do not answer your phone or device, TD may leave a voice mail with the TD Verification Code. The TD Verification Code must be entered correctly to access your Profile. Each TD Verification Code expires within a pre-determined amount of time after it is sent to your Profile Phone Number.
   

   b. Standard wireless carrier message and data rates and roaming fees may apply. Please consult your wireless carrier for applicable text messaging fees and data plan rates.
   

3. CARE AND CONTROL OF YOUR DEVICE AND USER INFORMATION

   You are responsible for the care and control of any phone or other device (“Device”) used to access the Temporary Profile Service or to receive a TD Verification Code, as well as your Profile Phone Numbers, Profile e-mail, and any user identification, PIN, password, passcode lock, lock screen and TD Verification Code associated with your Device and your use of the Temporary Profile Service ("User Information"). You must take reasonable steps to safeguard and protect your Device and User Information.

4. RESPONSIBILITY FOR YOUR DEVICE AND TO YOUR TELECOMMUNICATIONS PROVIDER

   You are solely responsible for: (i) acquiring any hardware, device, wireless or Internet access required for you to use the Temporary Profile Service; and (ii) any fees or other charges imposed by your telecommunications provider, including wireless services carrier or Internet service provider related to your use of the Temporary Profile Service. Without limiting the generality of the foregoing, standard telecommunications provider message and data rates may apply.

5. DEVICE OR INFORMATION IS COMPROMISED LOST OR STOLEN

   You agree to notify TD immediately at 1-800-667-6299 if you suspect your User Information or other information associated with your Profile has been compromised, or if your Device has been compromised, lost or stolen.

6. ACCURACY OF INFORMATION AND CONDITIONS OF USE

   You agree that all information provided to TD when setting up your Profile and using the Temporary Profile Service is accurate and you are, as applicable, the rightful owner, lessee or licensee of, or are otherwise authorized to use, the Profile e-mail account and Profile Phone Number(s) associated with your Profile, as updated by you from time to time. You may not use the Temporary Profile Service for any purpose that is illegal, fraudulent or infringes another person's or Business's rights. You agree to comply with any other requirements, restrictions or limitations provided by TD upon notice to you.

   You understand and acknowledge that use of the Temporary Profile Service does not mean you are a customer of TD and you further understand and acknowledge that by setting up a Profile or by saving any Applications associated with your Profile do not result in submission of any Applications to TD.

7. DISCLAIMER OF DAMAGES AND WARRANTY

   You agree that your use of or inability to use the Temporary Profile Service is at your sole risk. The Temporary Profile Service is provided "as is" and "as available" for your use, without warranties or conditions of any kind, express, implied, statutory or collateral.

8. LIMITATION OF LIABILITY

   You agree that to the extent permitted by law, in no event will TD, its officers, directors, shareholders, employees, agents and subcontractors be liable for any damages (including incidental, special, indirect, consequential or punitive damages, damages for loss of profits, revenue, opportunity, loss of data or business interruption), arising out of or related to your use or inability to use the Temporary Profile Service.

9. TERM

   These Terms will remain in effect until the Profile is deleted as detailed in Section 1(c) above.

10. SUSPENSION OR TERMINATION OF SERVICE

    We may suspend, cancel or block your access to, or use of, the Temporary Profile Service at any time and for any reason, without notice or liability to you. Without limiting the generality of the foregoing, TD reserves the right, without notice to you, to temporarily or permanently lock your Profile, for (i) your security; or (ii) any reason deemed suspicious by TD, including in circumstances where there are multiple requests for a TD Verification Code, or multiple unsuccessful entries of the TD Verification Code, related to your Profile. During any period during which your Profile is locked (which may be permanent), you will not be able to access your Profile and will not be able to access any saved Applications.

11. IF YOU HAVE A PROBLEM OR CONCERN

    If you have a problem or concern you may call TD toll free at 1-800-983-2582 (English) or 1-800-983-8472 (French), or visit us at any branch. For a more detailed overview of our complaint process visit us at www.td.com.

    Banking services - If you have a complaint regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, you can contact the Financial Consumer Agency of Canada (FCAC) in writing at 6th Floor, Enterprise Building, 427 Laurier Ave. West, Ottawa, Ontario, K1R 1B9. The FCAC can also be contacted by telephone at 1-866-461-3222 (en français 1-866-461-2232) or through its website at www.fcac-acfc.gc.ca. Please note that the FCAC does not become involved in matters of redress or compensation.

    Wealth (Canada) businesses- We process large volumes of client account transactions each day and we do everything to ensure that your business is handled in an efficient, courteous and accurate manner. However, we want to know if we have not met the high level of standards we set for ourselves. We have procedures for clients that wish to bring a complaint to our attention and have it addressed quickly and effectively. If you should have a complaint, we encourage you to contact us at1-800-465-5463. If it is not resolved to your satisfaction, please write to Client Complaint Resolution Team, P.O. Box 5999, Stn. F, Toronto, Ontario, M4Y 2T1, by fax at 416-983-2578 or by email at td.waterhouse@td.com.

12. TERMS DRAWN UP IN ENGLISH

    It is the express wish of the parties that these Terms and any directly or indirectly related documents be drawn up in English. Les parties ont exprimé la volonté expresse que les présentes modalités et tous les documents s'y rattachant directement ou indirectement soient rédigés en anglais. If you wish to obtain a copy of these Terms in French, please call TD at 1-800-983-2582 (English) or 1-800-983-8472 (French).

13. JURISDICTION

    These Terms are governed by and will be construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein. Each party agrees that the courts of the Province of Ontario will have exclusive jurisdiction to entertain any action arising under these Terms.

Information about how TD Bank Group ("we", "us", or "our") determined its operational GHG emissions can be found at page 86 of our 2023 Sustainability Report. Information about how we're measuring interim progress toward our net-zero goal, including our science-based targets for our emissions reduction pathway and relevant sector methodologies for these targets and pathways, can be found at pages 83-85 of our 2023 Sustainability Report and at pages 63-84 of our 2023 Climate Action Plan. Information about our auditor's limited assurance engagement with respect to our Carbon Credits and Renewable Energy Certificates Retirement Schedule and certain of our greenhouse gas emissions can be found in EY's 2023 Assurance Report. Additional information may be available in other public disclosures, and TD's approach to providing this information may change over time.