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A. TD Bank Financial Group The TD Bank Financial Group means The Toronto-Dominion Bank and its affiliates that provide deposit, investment, loan, securities, trust, insurance and other products or services.
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D. Information Products and services of The Toronto-Dominion Bank and its affiliates 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. 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 residents of Canada should consult with their investment adviser and legal counsel to determine if such products and services may lawfully be sold or provided to them in their jurisdiction. The information contained within the Portfolio Planner Tool (the "Tool") is made available to TD Waterhouse Canada Inc. ("TD Waterhouse") and is maintained by TDAM. It is proprietary to TDAM and/or its data providers and is only for the personal use of clients. Any other use of the data, including redistribution, is expressly forbidden. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus, which contains detailed investment information, before investing. The indicated rates of return (other than for each money market fund) are the historical annual compounded total returns for the period indicated including changes in unit value and reinvestment of distributions. The indicated rates of return for each money market fund is an annualized historical yield based on the seven-day period ended as indicated and annualized in the case of effective yield by compounding the seven day return and does not represent an actual one year return. The indicated rates of return do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. Their values change frequently. There can be no assurances that a money market fund will be able to maintain its net asset value per unit at a constant amount or that the full amount of your investment will be returned to you. Past performance may not be repeated. Regulatory restrictions prohibit TDAM from disclosing performance information for funds that have a history of less than one year. TD Mutual Funds and the TD Managed Assets Program are managed by TD Asset Management Inc. a wholly-owned subsidiary of The Toronto-Dominion Bank and are available through authorized dealers. The Morningstar Risk-Adjusted Ratings (MRARs), commonly referred to as the Star Rating, relate the risk-adjusted performance of a fund to its peers within the same CIFSC Fund Category for the period ended as noted and are subject to change monthly. Morningstar calculates ratings for categories with at least 5 funds. To determine a fund's rating, the fund and its peers are ranked by their MRARs. If a fund scores in the top 10% of its category, it receives five stars (High); if it falls in the next 22.5% it receives four stars (Above Average); the next 35% earns a fund three stars (Neutral or Average); those in the next 22.5% receive two stars (Below Average); and the lowest 10% receive one star (Low). The Overall Rating is a weighted combination of the 3, 5 and 10-year ratings. For greater detail see www.morningstar.ca. Quartile rankings are compiled by sorting the funds by one-year return and range from 1 to 4 for all time periods covered and can change monthly. The top performing 25% of funds in each fund category are assigned a ranking of 1, the next 25% a 2, etc. 1In December 2006, the investment objective of the TD North American Dividend Fund (formerly TD U.S. Equity Fund) changed to permit the Fund to invest primarily in income-producing securities in North America. The Fund was previously required to invest primarily in large-cap companies in the U.S. If the change had been in effect previously, the Fund's performance could have been materially different. 2In December 2006, the investment objective of the TD Diversified Monthly Income Fund (formerly TD Monthly High Income Fund) changed to permit the Fund to invest primarily in income-producing securities. The Fund was previously required to invest primarily in Canadian equities, bonds and short-term instruments. If the change had been in effect previously, the Fund's performance could have been materially different. 3In December 2006, the investment objective of the TD Global Equity Advantage Portfolio (formerly TD Global Asset Allocation Fund) changed to permit the Portfolio to invest directly or indirectly in equity securities, including through other mutual funds. The Portfolio was previously required to primarily use derivatives to obtain exposure to global stocks, bonds and currency markets. If the change had been in effect previously, the Portfolio's performance could have been materially different. 4In December 2006, the investment objective of the TD U.S. Quantitative Equity Fund (formerly TD AmeriGrowth RSP Fund) changed. 5In December 2006, the investment objective of the TD Global Bond Fund (formerly TD Global RSP Bond Fund) changed. 6In December 2006, the investment objective of the TD International Index Currency Neutral Fund (formerly TD International RSP Index Fund) changed. 7In December 2006, the investment objective of the TD U.S. Index Currency Fund (formerly TD U.S. RSP Index Fund) changed. 8In December 2006, the name of the TD Nasdaq RSP Index Fund was changed to TD Nasdaq® Index Fund. 9In July 2010, the name of the TD Comfort Moderate Portfolio was changed to TD Comfort Balanced Portfolio. Also, the name of the TD Comfort Balanced Portfolio existing prior to July 2010 was changed to TD Comfort Balanced Growth Portfolio. TD Index Funds seek to track the performance of the corresponding index primarily through the use of derivatives. The performance of the TD Index Funds is expected to be lower than the performance of the corresponding index. 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. The TD Nasdaq® Index Fund (the "Fund") is not sponsored, endorsed, sold or promoted by The NASDAQ OMX Group, Inc. (including its affiliates) (NASDAQ OMX, with its affiliates, are referred to as the "Corporations"). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Fund. The Corporations make no representation or warranty, express or implied to the unitholders of the Fund or any member of the public regarding the advisability of investing in securities generally or in the Fund particularly, or the ability of the Nasdaq-100 Index® to track general stock market performance. The Corporations' only relationship to TDAM is in the licensing of the Nasdaq®, OMX™, Nasdaq-100®, and Nasdaq-100 Index®, registered trademarks, and certain trade names. MSCI EAFE Index, MSCI Europe Gross Dividend Index and MSCI Japan Cap Weighted Gross Index are trade or service marks of Morgan Stanley Capital International Inc. ("MSCI") and its affiliates and has been licensed for use for certain purposes by TD Asset Management Inc. ("TDAM"). The TD International Index Fund, TD International Index Currency Neutral Fund, TD European Index Fund and TD Japanese Index Fund, based on the MSCI EAFE Index, MSCI Gross Dividend Index and MSCI Japan Cap Weighted Gross Index, have not been passed on by MSCI as to its legality or suitability, and are not issued, sponsored, endorsed, sold or promoted by MSCI. MSCI makes no warranties and bears no liability with respect to the TD International Index Fund, TD International Index Currency Neutral Fund, TD European Index Fund and TD Japanese Index Fund. MSCI has no responsibility for and does not participate in the management of the TD International Index Fund, TD International Index Currency Neutral Fund, TD European Index Fund and TD Japanese Index Fund assets or sale of the TD International Index Fund, TD International Index Currency Neutral Fund, TD European Index Fund and TD Japanese Index Fund shares. The prospectus contains a more detailed description of the limited relationship MSCI has with TDAM and the TD International Index Fund, TD International Index Currency Neutral Fund, TD European Index Fund and TD Japanese Index Fund. "Standard & Poor's", and "S&P" are trade-marks of The McGraw-Hill Companies, Inc. "TSX" is a trade-mark of TSX Inc. These marks have been licensed for use by The Toronto-Dominion Bank. The TD Canadian Index Fund is not sponsored, endorsed, sold or promoted by Standard & Poor's or TSX Inc. and neither party makes any representation, warranty or condition regarding the advisability of investing in the Fund. The S&P 500® Index (US$) and S&P 500® Total Return Index (C$) are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by The Toronto-Dominion Bank. The TD U.S. Index Currency Neutral Fund and the TD U.S. Index Fund (the "Funds") are not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the Fund. "Dow Jones Sustainability IndexesSM" and the referenced trademarks have been licensed for use for certain purposes by TD Asset Management Inc. TD Asset Management Inc.'s TD Global Sustainability Fund based on the Dow Jones Sustainability IndexSM is not sponsored, endorsed, sold or promoted by SAM Indexes GmbH, Dow Jones & Company, Inc., or any of their respective affiliates. Neither SAM Indexes GmbH, Dow Jones & Company, Inc. nor any of their respective affiliates makes any representation regarding the advisability of investing in such product(s). ©2011 Morningstar. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. A 30-day early redemption fee of 2%, payable to the fund, may apply to all units of TD Mutual Funds and TD Managed Assets Program Portfolios (excluding TD Money Market Funds and e-Series units). A 90-day early redemption fee of 2%, payable to the fund, may apply to all e-Series units of TD Mutual Funds and TD Managed Assets Program Portfolios. Current Yield has been provided where available. If a fund's Current Yield is not displayed, please refer to the fund company's website for more detailed information. TD Waterhouse Canada Inc. is a subsidiary of The Toronto-Dominion Bank. TD Waterhouse Canada Inc. – Member of the Canadian Investor Protection Fund. TD Waterhouse, TD Mutual Funds, Comfort Portfolios, TD Advantage Investment Portfolios, TD Managed Assets Program and FundSmart are trade-marks of The Toronto-Dominion Bank, used under license. |