A. TD Bank Financial Group
The TD Bank Financial Group means The Toronto-Dominion Bank and its affiliates and related entities that provide deposit, investment, loan, securities, trust, insurance and other products or services.
B. Use of Website
The Toronto-Dominion Bank and its affiliates and related entities are 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.
The statements contained herein are based on material believed to be reliable and are provided for informational purposes only. They do not provide financial, legal, tax or investment advice. Graphs are used for illustrative purposes only. We cannot guarantee the information is accurate, complete or current at all times. Particular investment or trading strategies should be evaluated relative to each investor’s objectives, risk tolerance and particular circumstances. TD Asset Management Inc., The Toronto-Dominion Bank and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered. We endeavor 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 reflect such changes. More current rates and fees prevail.
D. 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, other members of The Toronto-Dominion Bank or of third parties and used under license by The Toronto-Dominion Bank or other members of The Toronto-Dominion Bank. 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 Toronto-Dominion Bank. 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.
E. Product Information
Products and services of The Toronto-Dominion Bank and its affiliates and related entities 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 and others who are not resident in Canada should consult with their financial adviser and legal counsel to determine if such products and services may lawfully be sold to them in their jurisdiction.
TD Mutual Funds, TD e-Series Funds, and the TD Managed Assets Program are offered by TD Asset Management Inc., a wholly-owned subsidiary of The Toronto-Dominion Bank. TD e-Series Funds and TD MAP e-Series are e-Series units of the TD Mutual Funds and TD Managed Assets Program respectively.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus of the mutual funds in which you may invest, which contains detailed investment information and is available from your dealer, before investing. The indicated rates of return (other than for each money market fund) are the historical annual compounded total returns for the period indicated including changes in unit value and reinvestment of distributions. The indicated rates of return for each money market fund is an annualized historical yield based on the seven-day period ended as indicated, annualized in the case of effective yield by compounding the seven day return, and does not represent an actual one year return. The indicated rates of return do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. The values of mutual funds, other than money market funds, change frequently. For a money market fund, there can be no assurances the 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.
Available through TD Investment Services Inc. (principal distributor), TD Waterhouse Canada Inc. (Member CIPF) and independent dealers.
Graphs are only used to illustrate the effects of the compound growth rate and are not intended to reflect future values of any fund or returns on investment of any fund.
A 30-day early redemption fee of 2%, payable to the fund, applies to all units of TD Mutual Funds and Managed Assets Program Portfolios (excluding e-Series units). A 90-day early redemption fee of 2%, payable to the fund, applies to all e-Series units of TD Mutual Funds and Managed Assets Program Portfolios.
TD Index Funds seek to track the performance of the corresponding index primarily through the use of derivatives. The performance of the TD Index Funds are expected to be lower than the performance of the corresponding index.
TD Mutual Funds, TD Managed Assets Program and TD MAP are trade-marks of The Toronto-Dominion Bank, used under license.
The information in this communication is subject to change without notice. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult with their financial adviser to determine if these securities may lawfully be sold in their jurisdiction.
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.
(c) Disclosure for Dow Jones Industrial Average Index Funds
Dow Jones, Dow Jones Industrial Average, DJIA and the Dow are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by TD Asset Management Inc. TD Asset Management’s Dow Jones Industrial Average Index Fund based on the Dow Jones Industrial Average is not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation regarding the advisability of investing in such product.
(d) Disclosure for Nasdaq RSP Index Funds
NASDAQ, NASDAQ-100 and NASDAQ-100 Index are trade or service marks of The NASDAQ Stock Market Inc. (which with its affiliates are “NASDAQ Inc.”) and have been licensed for use for certain purposes by TD Asset Management Inc. TD Asset Management Inc.’s NASDAQ RSP Index Fund, based on the NASDAQ-100 Index, has not been passed on by NASDAQ Inc. as to its legality or suitability, and is not issued, sponsored, endorsed, sold or promoted by NASDAQ Inc. NASDAQ Inc. makes no warranties and bears no liability with respect to the product.
(e) Disclosure for S&P Index Funds
"Standard & Poor's", and "S&P" are trade-marks of The McGraw-Hill Companies, Inc. "TSX" is a trademark of TSX Inc. These marks have been licensed for use by The Toronto-Dominion Bank. The TD Canadian Index Fund is not sponsored, endorsed, sold or promoted by Standard & Poor's or TSX Inc. and neither party makes any representation, warranty, or condition regarding the advisability of investing in the TD Canadian Index Fund.
(f) Morgan Stanley Capital Index Disclosure
MSCI EAFE Index(C$), MSCI Europe Index and MSCI Japan Index are trade marks or service marks of Morgan Stanley Capital International Inc. (“MSCI”) and have been licensed for certain purposes by TD Asset Management Inc. (TDAM). The TD International Index Fund, TD European Index Fund and TD Japanese Index Fund are not sponsored, endorsed, sold or promoted by MSCI or any affiliate of MSCI. Neither MSCI nor any other party makes any representation or warranty, express or implied, to the owners of this fund or any member of the public regarding the advisability of investing in funds generally or in this fund particularly or the ability of the MSCI EAFE Index (CA$), MSCI Europe Index (CA$) and the MSCI Japan Total Return Index (CA$) to track general stock market performance. MSCI is the licensor of certain trade marks, service marks and trade names of MSCI, the MSCI EAFE Index (CA$), MSCI Europe Index (CA$) and the MSCI Japan Total Return Index (CA$) which is determined, composed and calculated by MSCI without regard to the issuer of this fund or this fund. MSCI has no obligation to take the needs of the issuer of this fund or the owners of this fund into consideration in determining, composing or calculating the MSCI EAFE Index (CA$), MSCI Europe Index (CA$) and the MSCI Japan Total Return Index (CA$). MSCI is not responsible for and has not in the determination of the timing of, prices at, or quantities of this fund to be issued or in the determination or calculation of the equation by which this fund is redeemable for cash. Neither MSCI nor any other party has any obligation or liability to owners of this fund in connection with the administration, marketing or trading of this fund.
ALTHOUGH MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION OF THE INDEXES FROM SOURCES WHICH MSCI CONSIDERS RELIABLE, NEITHER MSCI NOR ANY OTHER PARTY GUARANTEES THE ACCURACY AND/OR THE COMPLETENESS OF THE INDEXES OR ANY DATA INCLUDED THERIN. NEITHER MSCI NOR ANY OTHER PARTY MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, LICENSEE’S CUSTOMERS AND COUNTERPARTIES, OWNERS OF THE FUNDS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEXES OR ANY DATA INCLUDED THEREIN IN CONNECTION WITH THE RIGHTS LICENSED HEREUNDER OR FOR ANY OTHER USE. NEITHER MSCI NOR ANY OTHER PARTY MAKES ANY EXPRESS OR IMPLIED WARRANTIES AND MSCI HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE INDEXES OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL MSCI OR ANY OTHER PARTY 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.
F. TD Guaranteed Investment Funds II Disclosure
TD Guaranteed Invesment Funds II is available through selected Life Licensed Agents.
TD Guaranteed Investment Funds II (“TD GIF II”) policies are Individual Variable Insurance Contracts issued by Transamerica Life Canada (“Transamerica”) and are managed by TD Asset Management Inc. . Transamerica is the issuer of the TD GIF II contract. A complete description of the key features of TD GIF II is contained in the TD GIF II Information Folder. Any amount that is allocated to a segregated fund is invested at the risk of the Contract Owner and may increase or decrease in value. When entering into an Individual Variable Insurance Contract, and purchasing TD GIF II, investors are depositing money to their contract and are not buying units of the TD Mutual Funds and therefore do not possess any of the rights and privileges of the unitholders of such funds. The performance of TD GIF II will be slightly less than that of the underlying TD Mutual Funds due to the cost of the guarantee and benefit features. Past performance is not indicative of future performance and investment returns will fluctuate. TD Mutual Funds are offered by TDAM, a wholly-owned subsidiary of TD Bank.
® Transamerica and the pyramid design are registered trademarks of Transamerica Corporation. Transamerica Life Canada is licensed to use such marks.
TD Mutual Funds is a trade-mark of The Toronto-Dominion Bank, used under license.
Disclaimer for Non-Canadian Residents
The TD Guaranteed Investment Funds II, are only available to Canadian residents. Persons resident or located in other countries are not eligible to purchase these products or associated services.
U.S. Residents - This information is not intended to be construed as an offer to sell or a solicitation to buy any securities or insurance products in the United States of America or the territories or possessions thereof.
U.K. Australian Residents - This information is not intended for U.K. or Australian residents and is not to be construed as an offer to sell or a solicitation to buy any insurance or securities products or services in the U.K. or Australia.
Disclaimer for Quebec Residents
Quebec Residents - This information is not intended to be construed as an offer to sell or a solicitation to buy any securities or insurance products in Quebec.
G. Disclosure for other TD Asset Management divisions
TD Quantitative Capital and TD Lancaster Investment Counsel are divisions of TD Asset Management Inc., which is a wholly-owned subsidiary of The Toronto-Dominion Bank.
H. TD Waterhouse Private Investment Counsel
TD Quantitative Capital, TD Lancaster Investment Counsel, and TD Harbour Capital are all divisions of TD Asset Management Inc., which is a wholly-owned subsidiary of The Toronto-Dominion Bank.