Waterhouse

Wealth of experience

TD Bank Financial Group

Headquartered in Toronto, with more than 45,000 employees in offices around the world, TD Bank Financial Group1 offers a ull range of financial products and services to more than 14 million customers worldwide through four key business lines:

Personal and Commercial Banking through TD Canada Trust and TD Commercial Banking
Wealth Management through TD Waterhouse
Wholesale Banking through TD Securities2
U.S. Retail and Commercial Banking through TD Banknorth

TD Bank Financial Group had more than CDN $311 billion in assets, as of October 31, 2004 and ranks as one of the top online financial services providers in the world with more than 4.5 million online customers.

The Toronto-Dominion Bank trades on the Toronto and New York stock exchanges under the symbol "TD".

TD Waterhouse
TD Waterhouse offers financial and investment solutions to 3 million active customers in Canada, the United States, and
the United Kingdom. In Canada, TD Waterhouse offers a full range of investment and wealth management services:

TD Waterhouse Discount Brokerage³ gives clients access to the information, tools and support that empower them to invest for themselves with confidence.
TD Waterhouse Financial Planning³
allows clients to work with a professional Financial Planner to develop
and implement an investment strategy and long-term financial plan.
TD Waterhouse Private Client Services¹ works with clients who have more complex banking, trust and
investment needs to develop integrated, comprehensive and customized financial solutions.

TD Waterhouse Private Trust
An integral part of the TD Waterhouse Private Client Services experience is Private Trust, one of Canada’s leading estates and trusts advisors with over 100 years of experience. The TD Waterhouse Aboriginal Trust Services, a specialized TD Waterhouse Private Trust4 team, can provide professional advice on:

the role of a trust within an overall financial plan
the structure of a trust agreement
a comprehensive, long-term strategy to protect and transfer assets
the ongoing management of a trust for many generations with a demonstrated ability to act impartially, efficiently, and with understanding.

Professional administration is also vital to the long-term success of a trust for:

collection and distribution of income capital;
custody and safekeeping of assets;
comprehensive reporting to beneficiaries;
trust tax preparation and filing;
maintenance of financial records;
access to professional management
permanence and impartiality

For experience and understanding of estate, trust and tax affairs there is no better choice than TD Waterhouse Private Trust. Contact us to arrange a meeting with our Aboriginal Trust Services Team 416-308-6200.

1 TD Bank Financial Group and TD Waterhouse Private Client Services each mean The Toronto-Dominion Bank and its related companies that provide deposit, investment,
loan, securities, trust, insurance and other products and services.

2 TD Securities represents TD Securities Inc., TD Securities (USA) LLC, TD Securities Limited and certain banking activities of The Toronto-Dominion Bank and its subsidiaries.

3 TD Waterhouse Discount Brokerage and TD Waterhouse Financial Planning are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Waterhouse Canada Inc. – Member CIPF.

4 TD Waterhouse Private Trust services are offered by through The Canada Trust Company. Banknorth is a trade-mark of Banknorth Group Inc.

TD, TD Securities and TD Waterhouse are trade-marks of The Toronto-Dominion Bank. TD Waterhouse Canada Inc. is a licensed user.

Headquartered in Toronto, with more than 45,000 employees in offices around the world, TD Bank Financial Group1 offers a
full range of financial products and services to more than 14 million customers worldwide through four key business lines:
• Personal and Commercial Banking through TD Canada Trust and TD Commercial Banking
• Wealth Management through TD Waterhouse
• Wholesale Banking through TD Securities2
• U.S. Retail and Commercial Banking through TD Banknorth
TD Bank Financial Group had more than CDN $311 billion in assets, as of October 31, 2004 and ranks as
one of the top online financial services providers in the world with more than 4.5 million online customers.
The Toronto-Dominion Bank trades on the Toronto and New York stock exchanges under the symbol "TD".