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LEGAL NOTICES AND DISCLAIMER OF LIABILITY

 * TD Bank Group
 * Use of Website
 * Email Disclaimer
 * Information
 * Trade-marks and Copyrights
 * Designated Locations for Requirements to Pay, Requests for Information, and
   Orders received from the CRA and for Serving Support Enforcement Notices
 * Product Information
   * Visa
   * TD Canada Trust Market Growth GICs
   * TD Waterhouse Canada Inc.
   * TD Asset Management
   * TD Insurance Services
   * TD Prime Rate
   * Offering Documents Disclaimer
     * UK Disclosure
     * U.S. Disclosure
 * Related and Connected Issuers Disclosure
   
 * Digital Wallet Terms of Use for TD Bank Customers (Canada)
 * TD Authenticate Terms and Conditions
 * TD Bank USA PATRIOT Act Certification
 * TD Bank, America’s Most Convenient Bank
 * TD Companion App Terms and Conditions
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 * TD WheelsTM App Terms and Conditions
   
 * TD WheelsTM Pre-Qualifications Terms and Conditions
   
 * TD Temporary Profile Terms and Conditions
   




A.  TD BANK GROUP

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



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B.  USE OF WEBSITE

The TD Bank Group is not responsible in any manner for direct, indirect, special
or consequential damages, however caused, arising out of your use of this
Website and/or any web browser, including any damages you may suffer if you
transmit confidential or sensitive information to us or if we communicate such
information to you at your request over the Internet. Links to other websites
from this Website are for convenience only. No endorsement of any third party
products, services or information is expressed or implied by any information,
material or content referred to or included on, or linked from or to this
Website.



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C.  EMAIL DISCLAIMER

Email communication including any information transmitted with it is intended
only for the use of the addressee(s) and is confidential. If you are not an
intended recipient or responsible for delivering the message to an intended
recipient, any review, disclosure, conversion to hard copy, dissemination,
reproduction or other use of any part of this communication is strictly
prohibited, as is the taking or omitting of any action in reliance upon this
communication. If you receive this communication in error or without
authorization please notify us immediately by return e-mail or otherwise and
permanently delete the entire communication from any computer, disk drive, or
other storage medium.



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D.  INFORMATION

Information provided by TD Bank Group and other sources on this Website is
believed to be accurate and reliable when placed on this site, but we cannot
guarantee it is accurate or complete or current at all times. Information on
this site is for informational purposes only and is not intended to provide
financial, legal, accounting or tax advice and should not be relied upon in that
regard. We endeavour to keep the rates and fees posted at this site current.
However rates, fees and information are subject to change at any time without
notice to users and the posted rates and fees at the site may not immediately
reflect such changes. Customers will be advised of applicable fee changes at
least 60 days (or such shorter period as permitted by Canadian securities
regulatory authorities) before the effective date of any change in charges.

The English and French language versions of our policies are the only official
ones. Any and all contractual rights are determined with reference to those
official versions. The additional language translations have been prepared, as a
courtesy, to assist our non-English speaking or non-French speaking clients in
following the English or French versions, as applicable. In the event of any
conflict or ambiguity in the available translations and the English or French
versions, the English or French version, as applicable, shall govern.



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E.  TRADE-MARKS AND COPYRIGHTS

Certain names, words, titles, phrases, logos, icons, graphics or designs in the
pages of this Website may constitute trade names, registered or unregistered
trade-marks or service marks ("Trade-marks") of The Toronto-Dominion Bank ("TD
Bank"), other members of the TD Bank Group or of third parties and used under
license by TD Bank or other members of the TD Bank Group. However, the display
of Trade-marks on pages at this Website does not imply that any license has been
granted to any third party.

All information in this Website is protected under the copyright laws of Canada
and/or other countries. Users of this Website shall be entitled to copy any
information for their own personal use but may not republish or reproduce any
such information in any manner, including electronic reproduction by "uploading"
or "downloading", without the prior written consent of the TD Bank Group.
Otherwise, no one has permission to copy, redistribute, reproduce or republish,
in any form, any information found in the pages of this Website.

Any unauthorized downloading, re-transmission, or other copying or modification
of Trade-marks or other contents of this Website may be a violation of statutory
or common law rights which could subject the violator to legal action.



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F.  DESIGNATED LOCATIONS FOR SERVICE OF SUPPORT ENFORCEMENT NOTICES AND
REQUIREMENTS TO PAY, REQUESTS FOR INFORMATION, AND ORDERS RECEIVED FROM THE CRA

In compliance with the Bank Act Support Orders and Support Provisions (Banks and
Authorized Foreign Banks) Regulations and the Trust and Loan Companies Act
Support Orders and Support Provisions (Trust and Loan Companies) Regulations,
the following offices have been designated by The Toronto-Dominion Bank , The
Canada Trust Company , TD Mortgage Corporation and TD Pacific Mortgage
Corporation , all carrying on business as TD Canada Trust , for the service of
enforcement notices in respect of the provinces noted below.



Alberta
TD Canada Trust
Calgary Place
Personal Banking Centre
340 5th Ave SW
Calgary, Alberta
T2P 0L3

British Columbia
TD Canada Trust
700 W Georgia Pacific Centre
Vancouver, British Columbia
V7Y 1A2


Manitoba
TD Canada Trust
P.O. Box 896
201 Portage Ave
Winnipeg, Manitoba
W3C 2T2


New Brunswick
TD Canada Trust
77 Westmorland Street
Fredericton, New Brunswick
E3B 6Z3


Newfoundland and Labrador
TD Canada Trust
140 Water Street
St. John's, Newfoundland and Labrador
A1C 6H6


Northwest Territories
TD Canada Trust
#18 YK Centre
4910 - 50th Ave
Yellowknife, NT
X1A 3S5


Nova Scotia
TD Canada Trust
1785 Barrington & George Streets
Halifax, Nova Scotia
B3J 2P8


Ontario
TD Canada Trust
Customer Assistance
Specialized Demands Department
3500 Steeles Ave. East, Tower 4, 5th Floor
Markham, ON
L3R 0X1


Prince Edward Island
TD Canada Trust
192 Queen Street
Charlottetown, PEI
C1A 7L3


Québec
TD Canada Trust
525 rue Viger Ouest, 1e étage
Montréal, Québec,
H2Z 0B2


Saskatchewan
TD Canada Trust
1904 Hamilton Street
Regina, Saskatchewan
S4P 3N5


Yukon
TD Canada Trust
200 Main St.
Whitehorse, YT
Y1A 2A9




The following offices are designated for service of CRA Requests only:

Type of
Request Province Office to be Served Fax Number Requirement
to Pay: All
Provinces TD Canada Trust
Customer Assistance
Specialized Demands Department
3500 Steeles Ave. East, Tower 4, 5th Floor
Markham, ON
L3R 0X1
1-855-569-1640 Requirement to Pay:
TD Securities/TD Wealth/
TD Direct Investing Clients All Provinces TD Canada Trust
Customer Assistance
Specialized Demands Department
3500 Steeles Ave. East, Tower 4, 5th Floor
Markham, ON
L3R 0X1
1-855-569-1640 Request for
Information: Ontario
British Columbia
Alberta
Saskatchewan
Manitoba
Yukon
Northwest Territories TD Canada Trust
Creekside Banking Services
RFI Department
4880 Tahoe Blvd., 3rd Floor
Mississauga, ON
L4W 5P3 905-214-4134

Quebec
New Brunswick
Nova Scotia
Prince Edward Island
Newfoundland
and Labrador

TD Canada Trust
Services Bancaires de Montréal
7250 Mile End Rd, 7th Floor
Montréal, Québec
H2R 3A4

514-289-0275 Request for Information:
TD Securities/TD Wealth/
TD Direct Investing Clients All Provinces TD Canada Trust
Creekside Banking Services
RFI Department
4880 Tahoe Blvd., 3rd Floor
Mississauga, ON
L4W 5P3 905-214-4134





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G.  PRODUCT INFORMATION


(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.
For further information, click here for:

 * Visa
   
 * TD Canada Trust Market Growth GICs
   
 * TD Waterhouse Canada Inc.
 * TD Wealth / TD Waterhouse
 * TD Asset Management
 * TD Insurance Services
 * TD Prime Rate
   
    * UK Disclosure
      
    * US Disclosure
      




VISA

Visa, Verified by Visa and Plus are Trade-Marks of Visa International Service
Association/TD Canada Trust, licensed user of Marks.

Chargex: TD Canada Trust, licensed user of Mark.

Interac and the Interac logo are Trade-Marks of Interac Inc., TD Canada Trust,
authorized user of the Trade-Marks.

American Express: Used under license from American Express Company.



Back to Product Information  



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.

Back to Product Information  



WEALTH (CANADA) BUSINESSES

TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private
Investment Advice are divisions of TD Waterhouse Canada Inc. TD Waterhouse
Canada Inc. – Member of the Canadian Investor Protection Fund.

TD Wealth Private Trust refers to the products and services offered by The
Canada Trust Company.

TD Wealth Private Banking refers to the products and services offered by The
Toronto-Dominion Bank.

TD Wealth Private Investment Counsel refers to the products and services offered
by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The
Toronto-Dominion Bank.

TD Wealth Private Wealth Management represents the products and services
available through TD Wealth Private Investment Advice (a division of TD
Waterhouse Canada Inc. – Member of the Canadian Investor Protection Fund), TD
Wealth Private Investment Counsel (offered by TD Waterhouse Private Investment
Counsel Inc.), TD Wealth Private Banking (offered by The Toronto-Dominion Bank)
and TD Wealth Private Trust (offered by The Canada Trust Company).

TD Wealth Insurance Services means TD Waterhouse Insurance Services Inc., a
member of TD Bank Group. All insurance products and services are offered by the
life licensed advisors of TD Waterhouse Insurance Services Inc.

TD Registered Plan Trust Services refers to products and services offered by The
Canada Trust Company.

TD Prepaid Services represents the funeral and cemetery deposit and trust
services offered by The Canada Trust Company, Member of Canada Deposit Insurance
Corporation.



Business Titles used by TD Waterhouse Canada Inc.

TD Direct Investing

Title IIROC Registration Requirement Description Investment
Representative
(IR) Investment
Representative
(IR/IRO) Provides client service by answering client calls and taking their
trade orders over the phone. No advice is permitted. Resource Officer Investment
Representative
(IR/IRO) Acts as primary escalation or resource for Investment Representative
and client inquiries. May interact directly with clients to help answer their
questions or resolve issues. No advice is permitted. Direct Investing Regional
Manager Investment
Representative
(IR/IRO) Manages a team of Direct Investing Specialists who develop business
within a geographical area. No advice is permitted. Direct Investing Specialist
Investment
Representative
(IR/IRO) Develops business within a geographical area. No advice is permitted.
Manager Client Relationship Investment
Representative
(IR/IRO) Develops business within a geographical area for High Value Clients. No
advice is permitted. Regional Manager High Value Clients Investment
Representative
(IR/IRO) Oversees High Value Client business development strategies and
activities within a geographical area. No advice is permitted. Direct Investing
Account Manager Investment
Representative
(IR/IRO) Oversees a set group of clients to develop business within a
geographical area. No advice is permitted. Direct Investing National Manager N/A
Manages a team of Direct Investing Account Managers who develop business within
a geographical area. No advice is permitted.


TD Wealth Financial Planning

Title IIROC Registration Requirement Description Financial Planner Registered
Representative (RR) Through ongoing relationship management, Financial Planners
offer advice with a focus on retirement and investment planning, assisting
clients in identifying financial goals, potential barriers and recommending
appropriate solutions made up primarily of TD funds. Senior Financial Planner
Registered Representative (RR) Awarded to Financial Planners who exceed specific
revenue and/or household thresholds. Certified Retirement Specialist Registered
Representative (RR) Indicates that a Financial Planner has completed the
Certificate in Retirement Strategy through the Canadian Securities Institute
(CSI).


TD Wealth Private Investment Advice

Title IIROC Registration Requirement Description Investment Advisor Registered
Representative (RR) Works one-on-one with clients to design and implement a
comprehensive investment strategy, recommend customized investment solutions and
provide ongoing portfolio monitoring and reporting aimed at enhancing the
client's financial success over the long-term. Vice President / Senior
Vice-President Registered Representative (RR) TD Wealth Private Investment
Advice awards the title of Vice-President or Senior Vice-President to those
Investment Advisors who meet standards for seniority, business metrics, and a
satisfactory compliance record. Adherence to these standards is reviewed
annually by TD Waterhouse Canada Inc. management. These titles do not indicate
that an Investment Advisor is a corporate officer of TD Waterhouse Canada Inc.
Portfolio Manager Registered Representative (RR) and must qualify and meet the
requisite proficiencies for the Portfolio Management registration category
Offers discretionary portfolio management services to clients in addition to
investment advisory services. Certified Retirement Specialist Registered
Representative (RR) Indicates that an Investment Advisor has completed the
Certificate in Retirement Strategy through the Canadian Securities Institute
(CSI). Branch Manager Supervisor Has oversight responsibility of TD Wealth
Branch daily operations, relationship managers and administrative support staff.
Branch Managers authorize account openings and oversee trading and transaction
supervision in client accounts. Assistant Branch Manager Supervisor Assists in
the oversight of TD Wealth Branch daily operations, relationship managers and
administrative support staff. Assists with account opening authorization in the
absence of the Branch Manager. Associate/Assistant Investment Advisor Registered
Representative (RR) Under the strategic direction and supervision of the
Investment Advisor, may provide investment advice and recommendations to
clients. Executes client transactions at the direction of the Investment
Advisor. Client Service Associate Investment Representative (IR) or Registered
Representative (RR) Provides a professional level of client service, sales and
administrative support to the Investment Advisor. Executes client transactions
at the direction of the Investment Advisor. Client Relationship Associate
Registered Representative (RR) Provides business and relationship management as
well as planning support to a team of Investment Advisors.


Wealth Advisory Services

The following specialists within Wealth Advisory Services are engaged by
registered advisors requesting assistance with developing comprehensive and
unique wealth strategies based on a number of client considerations.

Title Description High Net Worth Planner (Not applicable in Quebec) Help clients
achieve their financial objectives through advanced wealth planning (i.e.,
retirement, tax, estate planning), and assist in the development of a
comprehensive, personalized wealth plan. Senior Manager (Province of Quebec)
Help clients achieve their financial objectives through advanced wealth
strategies (i.e., retirement, tax, estate strategies), and assist in the
development of a comprehensive, personalized wealth plan. Business Succession
Advisor Help business owners and their advisors develop a plan for the future
transfer of ownership and control of their businesses. Tax and Estate Planner
Help clients achieve their financial objectives through advanced wealth planning
(i.e. tax, estate planning), including planning for the orderly and tax
effective transfer of assets to their intended beneficiaries. Vice-President,
Philanthropic Advisory Services Work with clients and their advisors to develop
strategies to incorporate philanthropy in their overall wealth and estate
planning objectives. The Vice-President title does not indicate that the
individual is a corporate officer of TD Waterhouse Canada Inc. Vice-President,
Not-for-Profit Services Work with not-for-profit entities and their advisors to
meet their portfolio objectives while integrating environmental, social and
governance considerations. The Vice-President title does not indicate that the
individual is a corporate officer of TD Waterhouse Private Investment Counsel
Inc.


TD Wealth Private Investment Counsel

Title Description Vice-President Private Investment Counsel awards the title of
Vice-President to those portfolio managers who meet standards for seniority,
business metrics and a satisfactory compliance record. Adherence to these
standards is reviewed annually by Private Investment Counsel management. The
Vice-President title does not indicate that the portfolio manager is a corporate
officer of TD Waterhouse Private Investment Counsel Inc.


Back to Product Information  



TD INVESTMENT SERVICES INC.:

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


TD ASSET MANAGEMENT:


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.

TD Asset Management operates through TD Asset Management Inc. in Canada and
Epoch Investment Partners, Inc in the United States. Both are wholly-owned
subsidiaries of The Toronto-Dominion Bank. In providing investment management
services and advice, each entity has access to, and draws on, the personnel,
resources and experience of Epoch Investment Partners, Inc, its U.S. affiliate.

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.

TD Mutual Funds:

Commissions, trailing commissions, management fees and expenses all may be
associated with mutual fund investments. Please read the fund facts and
prospectus, which contains detailed investment information, before investing.
The indicated rates of return (other than for each money market fund) are the
historical annual compounded total returns for the period indicated including
changes in unit value and reinvestment of distributions. The indicated 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. The indicated rates of return do not take into account sales,
redemption, distribution or optional charges or income taxes payable by any
unitholder that would have reduced returns. Mutual funds are not covered by the
Canada Deposit Insurance Corporation or by any other government deposit insurer
and are not guaranteed or insured. Their values change frequently. There can be
no assurances that a money market fund will be able to maintain its net asset
value per unit at a constant amount or that the full amount of your investment
will be returned to you. Past performance may not be repeated.

These products and/or services are only offered in jurisdictions where they may
be lawfully offered for sale.

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.

Mutual fund 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 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.

Disclosure for TD International Stock Class and TD U.S. Equity Pool Funds:

Effective July 29, 2020, the TD International Growth Class was renamed to TD
International Stock Class.

Effective July 29, 2020, TD U.S. Equity Portfolio was renamed to TD U.S. Equity
Pool.

Disclosure for 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.

Disclosure for the 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.

Disclosure for the 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.

Disclosure for the TD Balanced Income Fund:

Effective December 15, 2011, TD Asset Management Inc. became the sole portfolio
adviser for the TD Balanced Income Fund. Previously, both Jarislowsky Fraser
Limited and TDAM were portfolio advisers for the fund. If this change had been
in effect previously, the fund’s performance could have been materially
different.

Effective October 25, 2019, TDAM implemented the merger of TD Balanced Income
Fund into TD Diversified Monthly Income Fund.

Disclosure for the 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.

Disclosure for the 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.

Disclosure for 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.

Disclosure for 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.

Disclosures for 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."

Disclosure for TD Dow Jones Industrial AverageSM 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.

Disclosure for 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.

Disclosure for 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.

Disclosure for 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.

Disclosure for 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.

Disclosure for 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 Owner and may increase
or decrease in value. When entering into an Individual Variable Insurance
Contract, and purchasing TD GIF II, investors are depositing money to their
contract and are not buying units of the TD Mutual Funds and therefore do not
possess any of the rights and privileges of the unitholders of such funds. The
performance of 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.

TD ETFs:

Commissions, management fees and expenses all may be associated with investments
in exchange-traded funds (ETFs). Please read the prospectus or the summary
document(s) before investing. ETFs are not guaranteed, their values change
frequently and past performance may not be repeated. ETF units are bought and
sold at market price on a stock exchange and brokerage commissions will reduce
returns. Index returns do not represent TD ETF returns. The indicated rates of
return are the historical total returns for the periods including changes in
unit value and reinvestment of all distributions and do not take into account,
redemption, commission charges or income taxes payable by any unitholder that
would have reduced returns. Past performance may not be repeated.

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

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.

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

Fund strategies and current holdings are subject to change.

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

Disclosures for 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.

Disclosures for 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.

Disclosure for 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.

Disclosure for 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.

Disclosure for 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.

TDAM Institutional:

Products and services of TDAM are only offered in jurisdictions where they may
be lawfully offered for sale. 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 accredited investors (i.e. institutional/professional investors or
financial intermediaries) are not suitable nor intended for retail or individual
investors.

TD Alternative Investments Disclosures:

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 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 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 (“S&P”) and Dow Jones®,
Dow Jones Industrial Average® and DJIA® are registered trademarks of Dow Jones
Trademark Holdings LLC (“Dow Jones”). TSX® is a registered trademark of TSX Inc.
The trademarks have been licensed to SPDJI and have been sublicensed for use for
certain purposes by The Toronto-Dominion Bank. The TD Emerald Canadian Equity
Index Fund (“Fund”) is not sponsored, endorsed, sold or promoted by SPDJI, Dow
Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones
Indices”) or TSX Inc. Neither S&P Dow Jones Indices nor TSX Inc., make any
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 S&P/TSX Composite
Index to track general market performance. S&P Dow Jones Indices’ and TSX Inc.’s
only relationship to The Toronto-Dominion Bank with respect to the S&P/TSX
Composite Index is the licensing of the Index and certain trademarks, service
marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The
S&P/TSX Composite Index is determined, composed and calculated by S&P Dow Jones
Indices or TSX Inc., without regard to The Toronto-Dominion Bank or the Fund.
S&P Dow Jones Indices and TSX Inc., have no obligation to take the needs of The
Toronto-Dominion Bank or the owners of the Fund into consideration in
determining, composing or calculating the S&P/TSX Composite Index. Neither S&P
Dow Jones Indices nor TSX Inc., are responsible for and have 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 and TSX Inc., have 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 S&P/TSX Composite Index will accurately track index performance or provide
positive investment returns. S&P Dow Jones Indices LLC is not an investment
advisor. Inclusion of a security within an index is not a recommendation by S&P
Dow Jones Indices to buy, sell, or hold such security, nor is it considered to
be investment advice. NEITHER S&P DOW JONES INDICES NOR TSX INC. GUARANTEES THE
ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P/TSX COMPOSITE
INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT
LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS)
WITH RESPECT THERETO. S&P DOW JONES INDICES AND TSX INC. SHALL NOT BE SUBJECT TO
ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW
JONES INDICES AND TSX INC. MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY
DISCLAIM ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
OR USE OR AS TO RESULTS TO BE OBTAINED BY THE TORONTO-DOMINION BANK, OWNERS OF
THE FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P/TSX COMPOSITE
INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE
FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES OR TSX INC. BE
LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES
INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR
GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES,
WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD
PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES
INDICES AND THE TORONTO-DOMINION BANK, OTHER THAN THE LICENSORS OF S&P DOW JONES
INDICES.

TD Emerald Canadian Bond Index Fund Disclosure:

The TD Emerald Canadian Bond Index Fund (the “Fund”) has been developed solely
by TD Asset Management Inc. (“TDAM”). The “Fund” is 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 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 (“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. It is not
possible to invest directly in an index. The TD Emerald U.S. Market 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 S&P 500 Index 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 The Toronto-Dominion Bank with respect to the S&P
500 Index is the licensing of the Index and certain trademarks, service marks
and/or trade names of S&P Dow Jones Indices or its licensors. The S&P 500 Index
is determined, composed and calculated by S&P Dow Jones Indices without regard
to The Toronto-Dominion Bank or the Fund. S&P Dow Jones Indices has no
obligation to take the needs of The Toronto-Dominion Bank or the owners of the
Fund into consideration in determining, composing or calculating the S&P 500
Index. S&P Dow Jones Indices is not responsible for and has not participated in
the determination of the prices, and amount of the 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 S&P 500 Index
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 S&P 500 INDEX OR ANY DATA RELATED THERETO OR ANY
COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION
(INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES
INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS,
OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED
WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR
FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY THE
TORONTO-DOMINION BANK, OWNERS OF THE FUND, OR ANY OTHER PERSON OR ENTITY FROM
THE USE OF THE S&P 500 INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO.
WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW
JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR
CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING
LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE.
THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN
S&P DOW JONES INDICES AND THE TORONTO-DOMINION BANK, OTHER THAN THE LICENSORS OF
S&P DOW JONES INDICES.

TD Emerald International Equity Index Fund Disclosure:

THE TD EMERALD INTERNATIONAL EQUITY INDEX FUND IS NOT SPONSORED, ENDORSED, SOLD
OR PROMOTED BY MSCI INC. (“MSCI”), ANY OF ITS AFFILIATES, ANY OF ITS INFORMATION
PROVIDERS OR ANY OTHER PARTY INVOLVED IN, OR RELATED TO, COMPILING, COMPUTING OR
CREATING ANY MSCI INDEXES (COLLECTIVELY, THE “MSCI PARTIES”). THE FUND HAS NOT
BEEN PASSED ON BY ANY OF THE MSCI PARTIES AS TO ITS LEGALITY OR SUITABILITY WITH
RESPECT TO ANY PERSON OR ENTITY. NONE OF THE MSCI PARTIES MAKES ANY WARRANTIES
OR BEARS ANY LIABILITY WITH RESPECT TO THE FUND. WITHOUT LIMITING THE FOREGOING,
NONE OF THE MSCI PARTIES MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR
IMPLIED, TO THE UNITHOLDERS OF THE FUND OR ANY MEMBER OF THE PUBLIC REGARDING
THE ADVISABILITY OF INVESTING IN FUNDS GENERALLY OR IN THE FUND PARTICULARLY OR
THE ABILITY OF ANY MSCI INDEXES 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, THE ISSUER OR THE 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 THE 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 WHICH THE FUND’S UNITS ARE REDEEMABLE FOR CASH. FURTHER, NONE OF THE
MSCI PARTIES HAS ANY OBLIGATION OR LIABILITY TO THE ISSUER OR THE 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 IMPLIED WARRANTIES (INCLUDING,
WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE) WITH RESPECT TO ANY 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 unitholder 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.

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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.

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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

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(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 http://www.fsa.gov.uk/register/firmSearchForm.do 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.

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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.

Back to Product Information  



H. RELATED AND CONNECTED ISSUERS DISCLOSURE

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.  

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I. DIGITAL WALLET TERMS OF USE FOR TD BANK CUSTOMERS (CANADA)

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 "I agree", 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. Our Commitment to Your Privacy. We are committed to respecting the privacy
of your information and we will not collect, use or disclose your information in
a manner that is inconsistent with the TD Privacy Agreement, TD Privacy Code or
TD Mobile Apps Privacy Code (which may be updated from time to time), available
at https://www.td.com/privacy-and-security/privacy-and-security/index.jsp. The
Wallet Provider may handle your information differently, so please review the
Wallet Provider's applicable agreements 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.

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. We will post changes to the Terms and indicate the effective date of the
changes on www.td.com/to-our-customers or by other means. The date of the most
recent change to these Terms is shown at the top of these Terms. Your continued
use of the Payment Card in the Wallet will be taken as your acknowledgement and
agreement to be bound by changes to these Terms. If you do not accept a change
to these Terms, you must remove all Payment Cards from the Wallet. You agree to
check www.td.com/to-our-customers for updates to these Terms from time to time.

14. 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.

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.



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J. TD AUTHENTICATE TERMS AND CONDITIONS

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 Mobile
Apps Privacy Code 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 Mobile Apps Privacy Code
This Mobile Apps Privacy Code 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 Code.

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
Agreement 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 available at:
http://preferences.truste.com/truste/4, 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
https://cloud.google.com/maps-platform/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:

www.tdcanadatrust.com apply.td.com or demande.td.com secure.tdcanadatrust.com
www.td.com/ca/products-services/investing-at-td/index.jsp
www.td.com/ca/products-services/investing/td-direct-investing/index.jsp
www.tdassetmanagement.com/

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.

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K.  TD BANK USA PATRIOT ACT CERTIFICATION

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L.  TD BANK, AMERICA’S MOST CONVENIENT BANK

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

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M.  TD COMPANION APP PRIVACY TERMS / TD COMPANION APP TERMS AND CONDITIONS


It is important that you read and agree to the TD Companion App Privacy Terms
and the TD Companion App Terms and Conditions which follow as they will apply
each time you use TD MySpend or Clari, a chatbot, (together, the "TD Companion
App"). By tapping the Accept button below or by using the TD Companion App, you
are taken to have read and agreed to the TD Companion App Privacy Terms and the
TD Companion App Terms and Conditions.

TD Companion App Privacy Terms

TD Companion App will collect and use your information as follows:

 * The TD Companion App will link to your existing TD customer profile and will
   collect and analyze your transaction data from each of your eligible personal
   TD Canadian dollar savings, chequing and credit card accounts that is used
   with TD Companion App (each an "Eligible Account"). TD collects this
   transaction data so it can provide you with your average or typical monthly
   spend and to provide you with answers to general, account and transaction
   questions you ask Clari.
 * Once you sign up and register for the TD Companion App, each of your Eligible
   Accounts will automatically be used in the TD Companion App; however you may
   disable any one or more of your Eligible Accounts from being displayed in TD
   MySpend by adjusting your preference settings in TD MySpend. Note that TD
   MySpend will continue to collect and analyze transaction data from disabled
   Eligible Accounts in case you change your mind and decide to display the
   Eligible Account in TD MySpend, however, disabled Eligible Accounts will not
   be included in your average or typical monthly spend calculation displayed in
   MySpend.
 * Important! When interacting with Clari, we may monitor and/or record the
   discussion for our mutual protection, to enhance Clari and our customer
   service, and to confirm our discussions with you. You agree not to ask Clari
   questions that include characteristics personal to you (such as, but not
   limited to, your contact information or address, ethnicity or country of
   origin, colour or race, gender or sexual orientation, marital or family
   status, disability, religion).
 * Important! Once you sign up and register for the TD Companion App, certain
   features and information (such as Notifications if using TD MySpend) may be
   visible on your mobile device without any requirement for you to enter a
   login or password including the login or password you use to access the TD
   Companion App or the lock screen or passcode lock that you use to protect
   your mobile device ("Device Lock"). This may include information from TD
   MySpend about your average or typical monthly spend from your Eligible
   Accounts, including the amount of a transaction or the name of the merchant
   where you made a purchase. As a result, this information may be visible to
   people who have access to your mobile device. To learn more about the
   features available to you through the TD Companion App or how to change your
   preferences, please review these terms and visit the FAQ.
 * TD MySpend may send notifications to your mobile device after there is a
   transaction on an Eligible Account (each a "Notification"). You may turn off
   TD MySpend Notifications at any time by adjusting the settings in the
   operating system of your mobile device.
 * The TD Companion App will collect device-related information including mobile
   device identification number (IMEI) (depending on your mobile device), mobile
   phone number, mobile country code, 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.

Please see our Mobile Apps Privacy Code available at
https://www.td.com/privacy-and-security/privacy-and-security/our-privacy-commitments/td-privacy-code/privacy.jsp#m
for more information about how we handle the information we obtain from you when
you use the TD Companion App.


TD Companion App Terms and Conditions

These terms and any amendments (the "Terms") are a legal agreement between you
("you" or "your") and The Toronto-Dominion Bank and its affiliates in Canada
("TD", "we" or "us") for your use of the TD Companion App, a feature that is
accessible through the TD app (the "TD app").

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 app, the TD Companion App
(defined in Section 1 below), or by other means we consider appropriate. Your
continued use of the TD Companion 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 Clari; and you must no longer use TD MySpend and
uninstall (cancel and remove) the TD MySpend app if you have it installed. You
may review and print the most current version of the Terms available by
accessing the Terms from https://www.td.com/to-our-customers/.

INFORMATION ABOUT THE TD COMPANION APP

 1. The TD Companion App consists of TD MySpend and Clari (a chatbot).
 2. TD MySpend is a money management tool that helps you keep track of your
    spending from your Eligible Accounts. For example, this tool will help you
    keep track of your average or typical monthly spend and will categorize your
    spend (i.e. grocery, health, entertainment etc.). You will be required to
    download and install a separate app which works with the TD app for
    smartphones (the "TD MySpend app") in order to use TD MySpend.
 3. Clari is a tool integrated into the TD app that uses TD MySpend data to
    respond to certain questions you ask it. Clari can assist authenticated TD
    customers in answering certain questions related to spending categories and
    transactions on your Eligible Accounts, general financial inquiries, and
    frequently asked questions in English and French. Clari will not be able to
    answer every type of question you ask of it.

ELIGIBILITY REQUIREMENTS

 1. From time to time, TD may establish or modify certain eligibility
    requirements for the use of the TD Companion App. For example, only certain
    TD accounts are eligible for use with the TD Companion App and only certain
    mobile devices and their respective operating systems support the TD
    Companion App. In addition, you may not be eligible to use the TD Companion
    App if any one or more of your accounts are not in good standing.
    
    
    1. To be eligible to use the TD Companion App, all your TD accounts must be
       in good standing.
    2. You can use your TD Canadian dollar personal chequing, savings and credit
       card accounts to: track and display your spending in TD MySpend; and to
       receive answers to the questions you ask Clari. Business accounts are not
       eligible.
    3. You are not required to install TD MySpend to use Clari. You are not
       required to use Clari before using TD MySpend.

CHANGING YOUR PREFERENCE SETTINGS

 1. As noted above in the Privacy Terms, TD MySpend has preference settings that
    allow you to personalize your TD MySpend experience including the ability to
    disable any of your Eligible Accounts that you no longer want to display in
    TD MySpend. In addition, for TD MySpend, you may adjust the settings in the
    operating system of your mobile device to turn off the receipt of
    Notifications. The disabling of Eligible Accounts in TD MySpend will not
    affect your use of Clari, where all your Eligible accounts (regardless of
    whether they have been disabled in TD MySpend) will be included in responses
    to your questions. We encourage you to visit the FAQ for more information on
    all preferences available to you in the TD Companion App.

CERTAIN INFORMATION WILL BE DISPLAYED ON YOUR MOBILE DEVICE

 1. Once you sign up and register for the TD Companion App, each of your
    Eligible Accounts will automatically be used in the TD Companion App. In
    addition, after you sign up and register for the TD Companion App, if you
    add another account to your customer profile (which is eligible for use with
    the TD Companion App), it will automatically be added for use with the TD
    Companion App. You may disable any one or more of your Eligible Accounts
    from being displayed in TD MySpend by going to your TD MySpend preferences
    and turning off the Eligible Account you wish to remove. Note that, for TD
    MySpend, we will continue to collect and analyze transaction data from
    disabled Eligible Accounts in case you change your mind and decide to
    display the Eligible Account in TD MySpend. We encourage you to visit the
    FAQ for more information on all preferences available to you in the TD
    Companion App.

JOINT ACCOUNTS AND AUTHORIZED USER(S)

 1. If one or more of your Eligible Accounts is a TD joint chequing or savings
    account or a TD credit card account with authorized user(s), each joint
    account holder or authorized user, as the case may be, will be able to use
    the TD Companion App on their mobile device, and will receive the same
    information about your joint account or TD credit card account that you
    receive through TD MySpend (including updates on the average or typical
    monthly spend and all Notifications associated with the account) and Clari.
    Even if you change your preferences in TD MySpend to disable a joint
    chequing or savings account, or disable a TD credit card account with
    authorized user(s), the joint account holder or authorized user will
    continue to be able to use the Eligible Account with the TD Companion App
    and receive information provided by the TD Companion App which is specific
    to the Eligible Account.
 2. If you contact TD to make account ownership change(s) to either remove a
    joint account holder from your joint TD chequing or savings account or to
    remove an authorized user from your TD credit card account, it may take up
    to three (3) business days for the account ownership changes to take effect
    in the TD Companion App. This means that a joint account holder or an
    authorized user may be able to view the account in TD MySpend or receive
    responses about the account in Clari until the corresponding change is made
    in the TD Companion App.

INFORMATION PROVIDED BY THE TD COMPANION APP INCLUDING NOTIFICATIONS

 1. As noted above in the Privacy Terms, you will receive Notifications from TD
    MySpend when you make a purchase from an Eligible Account (but you will not
    receive any Notifications from Clari). Once you sign up and register for TD
    MySpend, you will automatically begin receiving Notifications (unless you
    refuse to grant permission to the operating system of your mobile device).
    You may turn off Notifications at any time by adjusting the notification
    settings contained in the operating system of your mobile device. If you
    receive a Notification of a transaction that you do not recognize, notify TD
    AT ONCE at 1-866-222-3456. We encourage you to visit the FAQ for more
    information on how to change your operating system settings.
 2. TD is not responsible for the failure to provide you with information
    (including Notifications from TD MySpend) through the TD Companion App at
    any time. Keep in mind that you may not receive a Notification from TD
    MySpend for each transaction (please visit our FAQ for more information) and
    you may not receive Notifications from TD MySpend or responses from Clari if
    your wireless service carrier or Internet service provider does not provide
    service in certain geographic areas.
 3. You should not rely on Notifications from TD MySpend or responses from Clari
    to confirm the final amount of any transaction as there could be
    transactions for amounts that are larger than your final purchase when it is
    actually posted to your Eligible Account. For example, hotel and car rental
    services may post an authorized amount to your TD credit card account to
    accommodate for security deposits and gas stations may post authorized
    amounts to accommodate for a pre-determined amount of gas. These amounts are
    then adjusted when posted to your TD credit card account, after the
    authorization date, when the security deposits are released from the
    hotel/car rental service or you do not spend the pre-determined amount of
    gas.
 4. You should not rely on Notifications from TD MySpend or responses from Clari
    for the final amount of a TD credit card transaction if you made a purchase
    in foreign currency as there could be a change in the initial value of the
    transaction (that is provided to you through a Notification) to when the
    transaction is posted to your Eligible Account. This is due to the fact that
    the foreign exchange rate may have changed between the time of the
    Notification and the time the foreign currency transaction is posted to your
    Eligible Account.

TD AGREEMENTS; TD COMPANION APP SHOULD NOT BE USED AS A MONTHLY STATEMENT

 1. The terms of the agreements that you entered into or may enter with TD for
    your Eligible Account(s) or other products or services (as such agreements
    are amended or replaced by TD from time to time, the "TD Agreements"), apply
    to your use of the TD Companion App. These Terms are in addition to and do
    not in any way amend or replace TD Agreements that apply to your Eligible
    Account(s) or particular product or service, unless we have specifically
    advised you in these Terms.
 2. You should not rely on the information provided by the TD Companion App
    (including Notifications from TD MySpend) for transactional or record
    keeping or tax purposes as it is provided solely for informational purposes
    only and is not an official TD statement of account (please refer to
    sections 22 and 23 for more detail). While the TD Companion App is a helpful
    tool that will provide support to track your monthly spend from your
    Eligible Accounts and provide answers to certain questions, you must at all
    times continue to meet your obligations under your TD Agreements including
    your obligations to review statements or otherwise review all account
    activity and promptly tell us about any errors or omissions. The TD
    Companion App and the information it provides is not a monthly statement nor
    should it be relied on to review your monthly account activity in order to
    fulfill your obligations under your TD Agreements.

CARE AND CONTROL OF YOUR MOBILE DEVICE, TD COMPANION APP AND USER INFORMATION

 1. 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 Companion App and the TD app
    ("User Information"). You must take reasonable steps to safeguard and
    protect your mobile device and User Information.
    
    You must:
     1. keep possession of your mobile device;
     2. keep a Device Lock (see Privacy Terms for the definition) on your mobile
        device at all times;
     3. keep your User Information separate from your mobile device;
     4. keep your User Information strictly confidential and not share it with
        anyone;
     5. not permit anyone to use the TD Companion App on your mobile device;
     6. not use the TD Companion App on another person's mobile device;
     7. take all reasonable precautions to safeguard your User Information,
        including when you key in User Information on your mobile device;
     8. avoid User Information and Device Locks that may be easily determined by
        others, such as birthdays, phone numbers, age, social insurance number,
        etc.; and
     9. ensure that each password or other identifier is unique.

RESPONSIBILITY FOR YOUR MOBILE DEVICE AND TO YOUR MOBILE DEVICE PROVIDER

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

MOBILE DEVICE LOST OR STOLEN

 1. You are responsible for use of the TD Companion App on your mobile device.
    Do not use another person's mobile device to use the TD Companion App as
    that person will have access to your sensitive information including
    information provided by the TD Companion App which is specific to your
    Eligible Account (including Notifications from TD MySpend). Notify TD AT
    ONCE at 1-866-222-3456 if you suspect your mobile device has been
    compromised or is lost or stolen or if you receive a Notification that you
    do not recognize.

DISABLING YOUR TD COMPANION APP

 1. You may disable the TD MySpend app at any time by uninstalling the TD
    MySpend app from your mobile device or by calling TD at 1-888-281-0413.
    Before you sell, give away, or dispose of your mobile device, you must
    uninstall the TD MySpend app. Note that TD MySpend will continue to collect
    and analyze transaction data from Eligible Accounts for up to 90 days from
    the date you disable the TD MySpend app in case you change your mind and
    decide to re-install the TD MySpend app within the 90 day period.
 2. You may uninstall Clari by uninstalling the TD app. You cannot disable or
    uninstall Clari without uninstalling the TD app entirely, however, Clari
    will not collect and analyze transaction data from your Eligible Accounts
    when not in use.

INSTALLING AND USING MODIFICATIONS TO THE TD COMPANION APP

 1. If we upgrade, update or modify the TD app or the TD Companion 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 Companion App. TD may provide Modifications at any time with or without
    notice to you. TD, however, is under no obligation to make Modifications.

LICENSE GRANT

 1. You are granted a limited, revocable, royalty-free, non-transferable,
    non-exclusive license to use the TD Companion App on a mobile device that
    you own or control. TD can terminate this license at any time and with or
    without any reason. The TD Companion App is licensed, not sold, to you. You
    must not rent, lease, lend, sell, redistribute or sublicense the TD
    Companion App. You agree that TD and its licensors retain all right, title
    and interest in and to the TD Companion App, including copies and portions
    of it. You may not decompile, reverse engineer, disassemble, or attempt to
    derive the source code of, modify, or create derivative works of, the TD
    Companion App or any part of it. You may not use the TD Companion App for
    any purpose that is illegal, fraudulent or infringes on 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 the TD Companion App.

DISCLAIMER OF DAMAGES AND WARRANTY

 1. YOU AGREE THAT YOUR USE OF OR INABILITY TO USE THE TD COMPANION APP IS AT
    YOUR SOLE RISK. THE TD COMPANION 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 INCLUDING WARRANTIES RELATED TO THE AVAILABILITY OF THE
    TD COMPANION APP (INCLUDING NOTIFICATIONS FROM TD MYSPEND) AND THE ACCURACY
    OF INFORMATION PROVIDED BY THE TD COMPANION APP.

LIMITATION OF LIABILITY

 1. 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 COMPANION APP.

TERMINATION

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

IF YOU HAVE A PROBLEM OR CONCERN

 1. If you have a problem or concern you may call us toll-free at 1-888-281-0413
    or visit us at any branch. For a more detailed overview of our complaint
    processes, visit us at www.tdcanadatrust.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 web-site at www.fcac-acfc.gc.ca. The
    FCAC will determine whether we are in compliance. It will not, however,
    resolve individual consumer complaints.

TERMS DRAWN UP IN ENGLISH

 1. 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
    exprimés la volonté expresse que les présentes modalités et tous les
    documents s'y rattachant directement ou indirectement soient rédigés en
    anglais.

YOUR APP STORE PROVIDER

 1. You acknowledge that these Terms are between you and TD and not with the app
    store provider (i.e. Google Inc. or Apple Inc.). 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 Companion App; (b) have no
    obligation whatsoever to furnish any maintenance and support services to you
    with respect to the TD Companion App; (c) are not responsible for addressing
    any claims you may have relating to the TD Companion App or your possession
    or use of the TD Companion App , including, but not limited to, any claims
    that the TD Companion 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 the TD
    Companion App or your possession or use of the TD Companion App infringes
    that third party's intellectual property rights; and (e) are third party
    beneficiaries to these Terms solely in respect of this Section.

GOVERNING LAW

 1. These Terms are governed by the laws of Province of Ontario and the laws of
    Canada applicable therein. You agree that the courts of the Province of
    Ontario 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 for the purposes of the TD Companion
    App.

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N.   TD FOR ME PRIVACY CONSENT

It is important that you read and understand the Privacy Consent and the Terms
and Conditions. By clicking the "I agree" button below or by using TD For Me,
you are taken to have read and agreed to the Privacy Consent and the Terms and
Conditions below.

   TD For Me will collect and use your information as follows:

 * TD For Me will link to your existing customer profile.
 * TD For Me will collect geo-location information to determine whether or not
   you are in or near a zone of interest (see Section 1 of the Terms and
   Conditions below). TD For Me will use this geo-location information to send
   you information and offers even when you are not actively using the TD app.
   TD For Me will retain and use this geo-location information for analytic and
   marketing purposes. For more information about the type of geo-location
   information collected by TD For Me, please see the FAQs found in the main
   menu.
 * TD For Me may send you push notifications with information and offers about
   products and services that we feel may be relevant to you. The offers may be
   based on your customer relationship with us, including which products and
   services you hold with us, and/or your device's geo-location information.
 * TD For Me will also collect device-related information including mobile
   device identifier, and other information arising from your use of TD For Me.
   TD For Me may also collect information about offers you accept through TD For
   Me.
 * To learn more about how to change your preferences (including how to modify
   or disable push notifications and disable geo-location collection), please
   see the FAQs found in the main menu.

   Please see our Mobile Apps Privacy Code available in the Privacy section of
   the main menu for more information about how we handle the information we
   obtain from you when you use TD For Me.

TD For Me Terms And Conditions

The following terms and conditions, and any amendments (the "Terms") are a legal
agreement between you ("you" or "your") and The Toronto-Dominion Bank and its
affiliates in Canada ("TD", "we" or "us") for your use of TD For Me ("TD For
Me"), a feature contained within the TD app (the "TD app").
If you are using TD For Me 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 Terms on behalf of the Business.
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 app or by other means we consider
appropriate. Your continued use of TD For Me 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 TD For Me. You may review and print the most current
version of the Terms available in the "Legal" section of the main menu.

Information About TD For Me

 1. TD For Me uses different types of zones of interest to send you information
    and offers that TD believes will interest you (such as branch events,
    TD-sponsored events, and marketing offers), through your mobile device. From
    time to time, TD may establish or modify certain eligibility requirements
    for use of TD For Me. For example, only certain mobile devices are supported
    for TD For Me. For more information on eligibility requirements, please
    consult the FAQs found in the main menu.
 2. TD For Me has preferences settings that allow you to personalize your TD For
    Me experience. Please see the FAQ page available in the main menu.

TD Agreements

 1. 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"), apply to
    your use of TD For Me. 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
    particular product or service, unless we have specifically advised you in
    these Terms.

Care And Control Of Your Mobile Device, TD For Me And User Information

 1. 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 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 For Me on your mobile device, including but
       not limited to accepting any offers presented by TD For Me 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.

Responsibility For Your Mobile Device And To Your Mobile Device Provider

 1. You are solely responsible for: (i) acquiring any hardware, device, wireless
    or Internet access required for you to use TD For Me; 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 TD For Me or if your mobile device is capable of
    accessing the Internet.

Mobile Device Is Lost Or Stolen

 1. You are responsible for all use of TD For Me on your mobile device,
    including the acceptance of any offers presented by TD For Me through your
    mobile device. Notify TD AT ONCE at 1-866-222-3456 if you suspect your
    mobile device has been compromised or is lost or stolen.

Disabling TD For Me

 1. You may disable TD For Me at any time through the "Preferences" settings in
    the TD For Me main menu.

Installing And Using Modifications To TD For Me

 1. If we upgrade, update or modify TD For Me (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 TD For Me. TD may provide Modifications at any
    time with or without notice to you. TD, however, is under no obligation to
    make Modifications.

License Grant

 1. You are granted a limited, revocable, non-transferable, non-exclusive
    license to use TD For Me on a mobile device that you own or control. TD can
    terminate this license at any time and with or without any reason. TD For Me
    is licensed, not sold, to you. You must not rent, lease, lend, sell,
    redistribute or sublicense TD For Me. You agree that TD retains all right,
    title and interest in and to TD For Me including copies and portions of it.
    You may not decompile, reverse engineer, disassemble, attempt to derive the
    source code of, modify, or create derivative works of, TD For Me or any part
    of it. You may not use TD For Me 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 For Me.

Possible Effects Of Installation, Removal Or Usage Of Td For Me And Disclaimer
Of Damages And Warranty

 1. YOU AGREE THAT YOUR USE OF OR INABILITY TO USE TD FOR ME IS AT YOUR SOLE
    RISK. TD FOR ME 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.

Limitation Of Liability

 1. 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 TD FOR ME.

Termination

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

If You Have A Problem Or Concern

 1. If you have a problem or concern you may call us toll free at 1-866-222-3456
    or visit us at any branch. For a more detailed overview of our complaint
    process visit us at https://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 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.

Terms Drawn Up In English

 1. 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.

Your App Store Provider

 1. You acknowledge that these Terms are between you and TD and not with the app
    store provider (i.e. Google Inc. or Apple Inc.). 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 TD For Me; (b) have no obligation
    whatsoever to furnish any maintenance and support services to you with
    respect to TD For Me; (c) are not responsible for addressing any claims you
    may have relating to TD For Me or your possession or use of TD For Me,
    including, but not limited to, any claims that TD For Me 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 For Me or your possession or use of TD For Me infringes that
    third party's intellectual property rights; and (e) are third party
    beneficiaries to these Terms solely in respect of this Section 15.



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O.   TD MOBILE DEPOSIT TERMS AND CONDITIONS

The following terms and conditions, and any amendments (the "Terms") are a legal
agreement between you ("you" or "your") and The Toronto-Dominion Bank and its
affiliates in Canada ("TD", "we" or "us") for your use of TD Mobile Deposit ("TD
Mobile Deposit"), a feature contained within the TD Mobile Banking application
(the "TD App"). If you are using TD Mobile Deposit 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 Terms
on behalf of the Business.
It is important that you read and understand these Terms as they will apply each
time you use TD Mobile Deposit. By clicking the "Accept" button below, you are
taken to have read and agreed to these Terms.
You agree that we may add to or change these Terms at any time. If we make any
changes to these Terms, we will let you know by posting a notice on the TD App,
on EasyWeb or by other means we consider appropriate. Your continued use of TD
Mobile Deposit 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 TD Mobile Deposit. You may review and print the most
current version of the Terms at
http://www.tdcanadatrust.com/products-services/banking/electronic-banking/mobile/mobile-deposit-terms.jsp
or by accessing "Frequently Asked Questions" in TD Mobile Deposit.

Information About TD Mobile Deposit

 1. You can make deposits to an eligible TD deposit account ("Account") by
    taking a picture of the front and the back of the eligible Item (as defined
    below, "Images") with your supported mobile device ("Mobile Device") and
    submitting the Images and any other information required by TD through TD
    Mobile Deposit. You agree to follow procedures and instructions for use of
    TD Mobile Deposit that we may establish from time to time.
    To use TD Mobile Deposit you will need to meet certain eligibility
    requirements set by TD from time to time. For example, only certain
    customers, Items, Accounts and Mobile Devices qualify for TD Mobile Deposit.
    For more information on eligibility requirements, please consult
    www.td.com/mobiledeposit.

TD Agreements

 1. The terms of the agreements that you entered into or may enter into with TD
    for your Account(s) (as such agreements are amended or replaced by TD from
    time to time, "TD Agreements"), apply to your use of TD Mobile Deposit.
    These Terms are in addition to and do not in any way amend or replace the TD
    Agreements that apply to your Account(s) or particular product or service,
    unless we have specifically advised you in these Terms. If you are a
    Business holding an Account with us, the Terms are a "Service Schedule" to
    your TD Agreement.

Agency

 1. We appoint you as our agent to create and submit Images that you wish to
    deposit with TD through TD Mobile Deposit. You agree to accept this
    appointment and further agree not to delegate this role to anyone else.

Eligible Items

 1. You may deposit, through TD Mobile Deposit, any of the following original
    paper items issued by a Canadian financial institution and payable in
    Canadian or U.S. currency: (i) cheques; (ii) money orders; (iii) bank
    drafts; or (iv) any other item that TD chooses to make eligible for this
    service from time to time (each an "Item"). Items payable in Canadian
    currency must be deposited to an eligible Canadian dollar Account and Items
    payable in U.S. currency must be deposited to an eligible U.S. dollar
    Account. Items must meet any other eligibility requirements specified in
    these Terms.

Your Promises to Us

 1. When you use TD Mobile Deposit, you agree that:
     * You will only deposit eligible Items;
     * Each Item deposited through TD Mobile Deposit must be an image of the
       front and back of the original Item and not an image of a photocopy, PDF
       or other printout;
     * Each Item deposited must be in a form approved by the Canadian Payments
       Association and must include, at a minimum, the date, names of the payee
       and drawee institution, amount in words and figures, drawer's signature
       and the magnetic ink character recognition (MICR) information. All of
       this information must be legible;
     * Any information you provide us about the Item is accurate and true and
       will match the information contained in the Images;
     * You will only deposit Items issued by Canadian financial institutions or
       the Government of Canada;
     * Before you submit the Images through TD Mobile Deposit, you will sign
       your name and write on the back of the Item "For Deposit Only, Account #
       ___________________";
     * You will only use TD Mobile Deposit to deposit Items that are payable to
       you. If you are depositing the Item to a joint account, you may use TD
       Mobile Deposit to deposit the Item if the Item is made payable to you
       and/or your joint account holder. TD will not accept an Item that is
       payable to someone else and endorsed over to you;
     * You will not use TD Mobile Deposit to deposit Items:
       * which have already been deposited;
       * which contain an alteration on the front (including an alteration to
         the MICR information), or which you know or suspect, or should know or
         suspect, are fraudulent;
       * that are postdated or dated more than 6 months prior to the date of
         deposit; or
       * on which a stop payment order has been issued or for which there are
         insufficient funds.
     * You will not re-deposit or re-present the Item after it has been
       deposited through TD Mobile Deposit;
     * You will take all necessary precautions to prevent any other person from
       using TD Mobile Deposit to deposit Items to your Account; and
     * You will comply with these Terms and all applicable rules, laws and
       regulations.

After You Deposit an Item Through TD Mobile Deposit

 1. You agree that immediately after you deposit an Item through TD Mobile
    Deposit, you will write the date and "Deposited" on the front of the Item.
    You agree that you will keep the Item in a safe and secure place for
    fourteen (14) days following the date of deposit and will promptly send the
    Item to us upon TD's request. Upon the expiry of this fourteen (14) day
    period, you agree that you will promptly destroy the Item.

After You Deposit an Item Through TD Mobile Deposit

 1. You acknowledge that submission of an Item through TD Mobile Deposit does
    not mean that the Item contains no errors or has been unconditionally
    accepted for deposit by TD. Any Item deposited through TD Mobile Deposit is
    subject to our Hold Funds Policy available at
    http://www.tdcanadatrust.com/document/PDF/520866.pdf. Please also consult
    section 9 below, and the terms of your applicable TD Agreement for more
    information in this regard.
 2. You agree to cooperate with us in the investigation of unusual activity,
    poor quality Images, and resolution of customer claims by providing to us,
    upon request, originals or copies of Items deposited through TD Mobile
    Deposit in your possession and any records you may have related to such
    Items or Images.

Rejected and Returned Items

 1. TD may reject any Item deposited through TD Mobile Deposit at our
    discretion. For example, an Item may be rejected by TD if we subsequently
    determine it was not eligible for deposit or may be returned by another
    financial institution due to poor image quality, insufficient funds,
    alteration or other reason for which the Item may not be processed. We are
    not responsible for Images that we do not receive and TD may recover
    applicable funds from you or reverse the credit made to your account.
    Without in any way limiting our rights under section 20 entitled "Limitation
    of Liability", you agree that TD is not liable for any damages resulting
    from a rejected or returned Item, the delayed or improper crediting of an
    Item or inaccurate information you provide us regarding an Item. You agree
    to be responsible for any costs relating to obtaining a replacement Item in
    the event we require you to re-transmit Images or provide such replacement
    Item.

Deposit Times

 1. You may access TD Mobile Deposit 7 days a week. If TD receives the Images on
    or before 11:59 p.m. (EST) on a business day, we will consider that day to
    be the "Deposit Date". If TD receives the Images after 11:59 p.m. (EST) or
    on a weekend or a statutory holiday observed by TD, the next business day
    will be considered the "Deposit Date". For clarity, Saturday, Sunday and
    bank holidays are not considered to be business days.

Availability of Funds

 1. When you make a deposit through TD Mobile Deposit, the funds will be posted
    to your account on the Deposit Date, but availability and access to the
    funds is subject to TD's Hold Funds Policy available at
    http://www.tdcanadatrust.com/document/PDF/520866.pdf. Before you complete a
    deposit, TD Mobile Deposit will confirm the amount of funds that will be
    immediately available to you for withdrawal after you deposit the Item
    through TD Mobile Deposit.

Limits

 1. TD may impose limits on this service and may modify those limits with or
    without notice to you. For example, there are limits on the amount of funds
    you can deposit through TD Mobile Deposit on a daily and monthly basis. If
    you attempt to make a deposit in excess of the limits set by TD, we may
    reject your deposit. If, at any time, we permit you to make a deposit in
    excess of the limits set by TD on TD Mobile Deposit, we will not be
    obligated to allow such a deposit at other times.

Fees

 1. While there is no fee for the provision of TD Mobile Deposit, regular
    account transaction fees may apply in accordance with your TD Agreements. TD
    Bank may charge a fee for the provision of TD Mobile Deposit if we provide
    you with advance notice required in accordance with applicable laws. If you
    continue to use TD Mobile Deposit after the fee becomes effective, you agree
    to pay the fee that has been disclosed to you, as this fee may change from
    time to time.

Responsibility for Your Mobile Device and to Your Mobile Device Provider

 1. You are solely responsible for: (i) acquiring any hardware, device, wireless
    or Internet access required for you to use TD Mobile Deposit; 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 TD Mobile Deposit or if your Mobile
    Device is capable of accessing the Internet.

Mobile Device is Lost or Stolen

 1. You are responsible for all deposits completed through TD Mobile Deposit on
    your Mobile Device. Notify TD at once at 1-866-222-3456 if you suspect your
    Mobile Device has been compromised or is lost or stolen. When you notify us,
    we will restrict access to TD Mobile Deposit.

Disabling Your TD Mobile Deposit User Account

 1. You may disable your TD Mobile Deposit user account at any time by calling
    TD at 1-866-222-3456.

Installing and Using Modifications to TD Mobile Deposit

 1. If we upgrade, update or modify TD Mobile Deposit (including bug fixes,
    patches and new versions provided to you, the "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 TD Mobile Deposit. TD may provide you
    with prior notice of the Modifications. However, if the Modifications are
    for the proper functioning of TD Mobile Deposit, or safety or security of TD
    Mobile Deposit or any systems or networks, TD may not provide you with prior
    notice. TD is under no obligation to make Modifications.

Installing and Using Modifications to TD Mobile Deposit

 1. If we upgrade, update or modify TD Mobile Deposit (including bug fixes,
    patches and new versions provided to you, the "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 TD Mobile Deposit. TD may provide you
    with prior notice of the Modifications. However, if the Modifications are
    for the proper functioning of TD Mobile Deposit, or safety or security of TD
    Mobile Deposit or any systems or networks, TD may not provide you with prior
    notice. TD is under no obligation to make Modifications.

License Grant

 1. You are granted a limited, revocable, non-transferable, non-exclusive
    license to use TD Mobile Deposit on a Mobile Device that you own or control.
    TD can terminate this license at any time and with or without any reason. TD
    Mobile Deposit is licensed, not sold, to you. You must not rent, lease,
    lend, sell, redistribute or sublicense TD Mobile Deposit. You agree that TD
    retains all right, title and interest in and to TD Mobile Deposit including
    copies and portions of it. You may not decompile, reverse engineer,
    disassemble, attempt to derive the source code of, modify, or create
    derivative works of, TD Mobile Deposit or any part of it. You may not use TD
    Mobile Deposit 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
    Mobile Deposit.

Possible Effects of Installation, Removal or Usage of TD Mobile Deposit and
Disclaimer of Damages and Warranty

 1. By using TD Mobile Deposit on your mobile device, it is possible that the
    warranties covering your mobile device are voided, that your mobile device
    may be damaged, that data stored in your mobile device may be corrupted, and
    that you or your property may be damaged. You agree that your use of or
    inability to use TD Mobile Deposit is at your sole risk. TD Mobile Deposit
    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.

Limitation of Liability

 1. 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 TD Mobile Deposit.

Termination

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

If You Have a Problem or Concern

 1. If you have a problem or concern you may call us toll free at 1-866-222-3456
    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 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.

Terms Drawn Up in English

 1. 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.

Your App Store Provider

 1. You acknowledge that these Terms are between you and TD and not with the app
    store provider (i.e. Research In Motion E-Commerce Inc. (Blackberry), Google
    Inc. or Apple Inc.). 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 TD Mobile Deposit; (b) have no obligation whatsoever to furnish any
    maintenance or support services to you for TD Mobile Deposit; (c) are not
    responsible for addressing any claims you may have relating to TD Mobile
    Deposit or your possession or use of TD Mobile Deposit, including, but not
    limited to, product liability claims, any claim that the TD Mobile Deposit
    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 Mobile Deposit or your possession or use of
    TD Mobile Deposit infringes that third party's intellectual property rights;
    and (e) are third party beneficiaries to these Terms solely in respect of
    this Section 24, and will have the right to enforce these Terms against you
    as third party beneficiaries of these Terms.

Privacy Notice

 1. For the purposes of TD Mobile Deposit, TD will collect your mobile device
    identification number (IMEI) (depending on your Mobile Device), IP address,
    and other information arising from your use of TD Mobile Deposit, including
    information on the cheque (collectively called "Data").



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P.   BIOMETRIC TERMS OF USE FOR TD BANK CUSTOMERS (CANADA)

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 Mobile Apps Privacy
Code. 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.



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Q.   TWO-STEP VERIFICATION TERMS OF USE

By clicking "Agree", you confirm you have read and agreed to these terms of use:

If applicable, you agree to enter your phone number or multiple phone numbers
that you are authorized to use. 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.

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.



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R.   WESTERN UNION® MONEY TRANSFER

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
    www.westernunion.com/ca/en/Terms-Conditions-TD-version.html (English) and
    www.westernunion.com/ca/fr/Conditions-Generales-TD-version.html (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
    https://www.tdcanadatrust.com/document/PDF/IRM_terms_and_conditions.pdf
    (English) and
    https://www.tdcanadatrust.com/francais/document/PDF/IRM_terms_and_conditions_FR.pdf
    (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, Privacy
    Agreement 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.

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S.   TD GLOBAL TRANSFER TERMS OF USE

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

SECTION 1. MONEY TRANSFER PROCESS

1.1 What is TD Global Transfer?

TD Global Transfer gives you access to and allows you to make a Money Transfer
from the Funding Source using TD Transfer Services and/or third-party transfer
services (the "Third-Party Transfer Services ").  

1.2 What are the Third-Party Transfer Service Providers?

The Third-Party Transfer Services are provided by third-party transfer service
providers through TD Global Transfer (“Third-Party Transfer Services
Providers”). In addition to these Terms, before you can complete a transaction
using such Third-Party Transfer Services Providers, you will have to review and
agree to their applicable terms and conditions (the "Third-Party Terms "). The
Third-Party Terms apply to your relationship with the applicable Third-Party
Transfer Service Provider and your use of the Third-Party Transfer Services.  

With respect to the Third-Party Transfer Services, TD is not acting as your
agent for the purposes of your Money Transfer or any other dealings between you
and the Third-Party Transfer Services Providers.

1.3 Who will be involved in processing your Money Transfer?

In addition to TD and the Third-Party Transfer Services Provider, the
institutions involved in processing your Money Transfer may include any of the
following:

 * Institutions Connected to TD: (i) Our affiliates; (ii) TD’s correspondent
   bank relationships; or (iii) any other third party that TD uses. Together, we
   refer to these parties as Sender Parties.

 * Intermediaries: Intermediary institutions used by the Sender Parties or the
   Receiver Parties. Together, we refer to these parties as Intermediaries.
 * Institutions Connected to the Recipient’s financial institution: (i) The
   Recipient’s financial institution; or (ii) the Recipient’s financial
   institution’s correspondent bank relationships. Together, we refer to these
   parties as Receiver Parties.

To process the Money Transfer, financial institutions may rely on the use of a
correspondent bank relationship to route a payment to the Recipient’s financial
institution. Both TD and the Recipient’s financial institution may individually
use correspondent bank relationships. The correspondent bank may also require
the use of an intermediary financial institution.

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 7. GENERAL INFORMATION

7.1 What are other terms that apply?

The following general contractual terms apply:

 * Governing Laws. These Terms are governed by and interpreted in accordance
   with the laws of the province or territory in Canada where you reside.
 * 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, or any successors.
 * Electronic Terms and Signatures are Binding. Terms you agree to
   electronically, including using an Electronic Signature, are binding and have
   the same legal effect as if they were written down on paper. You will not
   dispute any agreement, or other terms, with us on the basis that it was
   delivered, received or entered into electronically, including using an
   Electronic Signature.
 * Electronic Records are Equivalent to Paper Records. Our records regarding any
   Money Transfers and the Transfer Services are final and conclusive (including
   electronic data and records, and those of any Third-Party Transfer Service
   Providers). These records will be admissible in any legal, administrative or
   other proceedings, and will be conclusive evidence of the contents of those
   records the same as if they were original paper records. You waive any right
   to object to the introduction of any such electronic data or records into
   evidence.
 * 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.

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.



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T. TD WHEELSTM APP TERMS AND CONDITIONS

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/to-our-customers/.

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 Mobile Apps Privacy Code available at
https://www.td.com/privacy-and-security/privacy-and-security/our-privacy-commitments/td-privacy-code/privacy.jsp#m
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:

 1. keep possession of your mobile device;
 2. keep a lock screen or passcode lock (each a "Device Lock") on your mobile
    device at all times;
 3. keep your User Information separate from your mobile device;
 4. keep your User Information strictly confidential and not share it with
    anyone;
 5. 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;
 6. 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;
 7. avoid User Information and Device Locks that may be easily determined by
    others, such as birthdays, phone numbers, age, social insurance number,
    etc.; and
 8. ensure that each password or other identifier is unique

6. Responsibility For Your Mobile Device And To Your Mobile Device Service
Provider

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.



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U. TD WHEELSTM PRE QUALIFICATIONS TERMS AND CONDITIONS

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 WheelsTM 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/to-our-customers/.

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 Auto
Finance Privacy Agreement 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 Agreement, 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

The TD Auto Finance Privacy Agreement must be read together with our Privacy
Code. You acknowledge that the Privacy Code forms part of the TD Auto Finance
Privacy Agreement. For further details about our privacy practices, visit
https://www.td.com/privacy or contact us at 1-866-694-4396 for a copy.

You acknowledge that we may amend the TD Auto Finance Privacy Agreement and our
Privacy Code from time to time. We will post the revised TD Auto Finance Privacy
Agreement and Privacy Code 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.



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V. TD TEMPORARY PROFILE TERMS AND CONDITIONS

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/privacy-and-security/privacy-and-security/our-privacy-commitments/privacy-commitment.jsp
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/privacy-and-security/privacy-and-security/our-privacy-commitments/privacy-commitment.jsp.

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 Agreement available at
https://www.td.com/privacy-and-security/privacy-and-security/our-privacy-commitments/td-privacy-agreement/agreement.jsp
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:
        
        i.   access and resume any Applications saved within your Profile that
             have not been submitted to TD for approval;
        
        ii.  check the status of Applications that have been submitted to TD for
             approval; and
        iii. 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:
        
        1. 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;
        
        2. The Active Period expires;
        3. TD can no longer verify your identity and you have not submitted any
           Applications;
        4. You are locked out of your Profile for security reasons; or
        5. 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.



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