TD Bank Group’s Privacy Code informs you of our commitment to and policy on privacy. It tells you the ways we ensure that your privacy and the confidentiality of your information are protected. To review the full text of our Privacy Code, please see below.

Many of you have questions about how we are handling the information we obtain from you when you visit our websites. We developed an On-Line Privacy Policy to answer your questions about the information we collect when you visit our web site and how we use it.

Privacy Code Table of Contents

The TD Bank Group Commitment to Privacy
Our Privacy Policy
Why we ask for your information
How we obtain your consent
Why we share your information
Why we ask others for information about you
When we release your information
How we protect your information
Your right to access your information
Keeping your information accurate
Respecting your preference
Addressing your concerns
Our online Privacy Policy
Who can answer your questions about privacy

The TD Bank Group commitment to privacy

Protecting your privacy and the confidentiality of your personal information has always been fundamental to the way we do business within TD Bank Group¹ (TDBG).

We strive to provide you with the best customer service. To us, that includes treating you fairly and with respect.

The TD Privacy Code² informs you of our policy on privacy, and tells you about the ways we help ensure that your privacy and the confidentiality of your information are protected.

Our Privacy Policy

Our Privacy Policy informs you of the policies and practices we have in place relating to the management of personal information at TDBG. The word "information" means personal, financial and other details about you that you provide to us and we obtain from others outside our organization, including through the products and services you use. This policy applies to our customers and consists of five key principles:

1. Collecting and using information

Either before or when we collect information about you, we will explain how we intend to use it. We will limit the information we collect to what we need for those purposes, and we will use it only for those purposes. We will obtain your consent if we wish to use your information for any other purpose and before collecting information from third parties such as credit bureaus.

Your personal financial information is used to help us manage operations and risk within TDBG. Your information is also used in order to satisfy valid information requests from regulators and other organizations or individuals who are legally entitled to make such requests.

Call Taping

We may monitor and/or record your telephone discussions with our representatives for our mutual protection, to enhance customer service, and to confirm our discussions with you.

2. Releasing information

We may provide your information to other persons where -

• we have your consent
• the other parties are our suppliers or agents who assist us in serving you
• we are required or permitted to do so by law or applicable regulators and self-regulatory organizations
• transfers of a business are involved

3. Protecting information

We will protect your information with appropriate safeguards and security measures. We will retain your information only for the time it is required for the purposes we explain.

4. Providing information access and accuracy

We will give you access to the information we retain about you. We will make every reasonable effort to keep your information accurate and up-to-date.

5. Respecting and responding to your privacy concerns

In the TD Privacy Code, we will explain your options for refusing or withdrawing consent to the collection, use and release of your information, and we will record and respect your choices. We will investigate and respond to your concerns about any aspect of our handling of your information.

In the TD Privacy Code, we will explain how we fulfill each of these important principles.

Why we ask for your information

We ask you for information to establish and serve you as our customer.

At the time you begin a relationship with us and during the course of our relationship, we may collect information about you. We obtain most of our information about you directly from you. The information we ask for depends on which product or service you want. For every product or service, we need your name, address, birthdate, occupation and some identification. Here is why we need some of the other information we ask you to provide.

• Birthdate

This helps us identify you and ensure that no one is trying to impersonate you. We may also use it to determine your eligibility for products and services that may be of benefit to a particular age group.

• Social Insurance Number (SIN)

Your SIN is required for products which earn investment income, in order to comply with the Canada Revenue Agency’s income reporting requirements. Providing your SIN for credit products is optional. If you provide your SIN, we also use it to keep your information separate from that of other customers with a similar name, including information we obtain with your consent through the credit approval process.

• Employer name and address

This is required when a new account is opened or when you apply for credit in order to comply with anti-money laundering regulations.

• Financial information

This is used to assess your eligibility for any credit product, for example, a TD Visa* card, line of credit or other loan. We also use it to ensure that the advice we give you or the investments you purchase (in the case of mutual funds or brokerage or investment accounts) are appropriate for you. We may collect information from you and service providers with whom you make arrangements to provide those services (for example when you set up bill payments through your account). We will use your financial information, including transaction records that reflect your business dealings with and through us, to help us serve you as a customer and meet your financial needs.

• Health information

This is required for some insurance products to ensure you are eligible for coverage, and may also be used to investigate and adjudicate your claims, and to help manage and assess our risks.

The health-related information you provide in connection with an insurance product will never be shared within TDBG; however, it may be shared with administrators, service providers and reinsurers of the insurance operations to process your insurance transactions.

We only collect the information we need and only use it for the purposes explained to you.

When you apply for a new product or service, we will indicate in the application or agreement how we intend to use your information. We will only ask for the information we need for that particular product or service. We will indicate clearly which information would help us to serve you but is optional for you to provide.

How we obtain your consent

It is important to understand the different ways that we may obtain your consent to collect, use, disclose and share your personal information.

Depending on the situation and the sensitivity of the information, we may obtain your consent in different ways. Express consent may be obtained verbally, online or in writing. Implied consent may be obtained through your use of a product, or when you approach us to obtain products or services from us.

We will not make your consent a condition of obtaining a product or service, unless it is reasonably or legally required, and we will clearly indicate when this is the case.

Why we share your information

We share information within TDBG to manage our business risks and operations, and to comply with legal or regulatory requirements.

With your consent, we may share your information within TDBG and with our affiliates. This will help us serve you better and determine whether any products or services of TDBG are suitable for you so that we can offer them to you.

We want to serve you better and meet your customer service expectations. Agreeing to let us share your information within TDBG helps us to meet this goal.

Sharing information lets us instantly recognize your total relationship with TDBG, no matter when or where you contact us or which one of us you contact. It also means that in some circumstances, changes to your information can be made once and be effective for all your products or services with TDBG.

Sharing your information also helps us determine your financial needs because it allows us to review what TDBG products you have and how you use them. We may then offer you other products and services - including special promotions - that we believe will be of interest to you.

This consent is optional and you can decide to withdraw it at any time for the purposes listed above. Please refer to the "Respecting your preference" section.

Why we ask others for information about you

With your consent, we may obtain information about you from third parties, including credit reporting agencies.

Obtaining additional information about you from parties outside TDBG helps us assess your eligibility for our products.

For credit products, for example, we need to know your creditworthiness. For this reason, we may contact other lenders or credit reporting agencies to get information about you and your credit history. We may also contact employers or other personal references to verify information that you have given us. We will not do this without your consent, but please remember that if you do not give your consent we may not be able to extend credit services to you.

When we release your information

We do not sell or rent customer lists or personal information to others. However, we may release your information to parties outside TDBG in certain circumstances, which include -

• With your consent

On an ongoing basis, we will disclose your credit history with us to other lenders or credit reporting agencies in order to support the credit process. We release only the information required to identify you, as well as facts from our credit records about your repayment history. We may disclose your account information to a joint account holder, including information about the account prior to becoming a joint account.

• For servicing purposes

We give a limited amount of information, only as necessary, without your consent, to our suppliers and agents; for example, cheque printers and bank card manufacturers who provide goods and services to you through us. These suppliers and agents may be located in Canada or other jurisdictions or countries and may disclose information in response to valid demands or requests from governments, regulators, courts and law enforcement authorities in other jurisdictions or countries.

• When required or permitted to do so by law or applicable regulators and self-regulatory organizations

We may release information in response to a search warrant, court order, or other demand or enquiry which we believe to be valid. This may include requests from regulators, including self-regulators, who are responsible for ensuring TDBG is in compliance with applicable regulations (e.g. The Office of the Superintendent of Financial Institutions and the Investment Dealers Association of Canada). We may disclose information to help us collect a debt owed to us by you. We may also disclose information to an investigative body in the case of a breach of agreement or contravention of law - this helps prevent fraud, money laundering or other criminal activity.

• Transfers of a business

As TDBG continues to develop and grow, we may buy or sell parts of our businesses. As our businesses consist primarily of our customer relationships, personal customer information and information regarding the particular account or service being purchased or sold would generally be one of the transferred business assets.

How we protect your information

We will protect your information with appropriate safeguards and security measures.

We have thorough security standards to protect our systems and your information against unauthorized access and use.

For example, our systems have been designed to ensure that your Personal Identification Number (PIN), password and other access codes are always private and confidential. For your protection, your access codes are known only to you - our employees cannot gain access to them and they will not ask you to reveal them.

All our suppliers and agents, as part of their contracts with TDBG, are bound to maintain your confidentiality and may not use the information for any unauthorized purpose.

When we provide information in response to a legal enquiry or order, we ensure that the order is valid and we disclose only the information that is legally required.

All employees of TDBG are familiar with the procedures that must be taken to safeguard customer information. And to us, protecting the confidentiality of your information is more than a procedure - it's part of our job. It is specified in our employment agreements and regularly confirmed in writing.

We audit our procedures and security measures regularly to ensure that they are being properly administered and that they remain effective and appropriate to the sensitivity of the information.

We retain your information only as long as it is required for the reasons it was collected.

The length of time we retain information varies depending on the product or service and the nature of the information. This period may extend beyond the end of your relationship with us but only for so long as it is legally necessary for us to have sufficient information to respond to any issue that may arise at a later date. When your information is no longer needed for the purposes explained to you, we have procedures to destroy, delete, erase or convert it to an anonymous form.

Your right to access your information

We will give you access to the information we have about you. If requested, we will assist you in making your request.

Most of this information is in the form of your transaction records. These are available to you through your account statements or passbook updates, by visiting the branch or office where your account is held, or by accessing your account through our EasyWeb Internet banking, EasyLine™ telephone banking, Green Machine* automated banking machines, and WebBroker* Internet brokerage service.

If you require other information, simply contact or forward a written request to the branch or office where your account is held. We will ask you for specific details such as branch and account number. We will advise you in advance if a minimal charge will be required for conducting the search, and we will respond to your request within 30 days.

Please note that we may not be able to provide information about you from our records which contains references to other persons, is subject to legal privilege, contains confidential information proprietary to TDBG, relates to an investigation of a breach of agreement or contravention of laws, or cannot be disclosed for other legal reasons.

If you have any questions regarding decisions made about you, we will tell you the reasons for those decisions. Where relevant, we will provide you with the name and address of the credit bureau from which a report was obtained.

Keeping your information accurate

We will make every reasonable effort to keep your information accurate and up-to-date.

Having accurate information about you enables us to give you the best possible service and minimize the possibility that out of date information may be used to make a decision which impacts you. Allowing us to share your information within TDBG means that, in some circumstances, updates to your information can be made once and be effective for all the products and services you have with TDBG.

We have policies and procedures to help us maintain the accuracy of your information. For most updates, we rely on you for information. You can help by keeping us informed of any changes, such as if you move or change telephone numbers. If you find any errors in our information about you, let us know and we will make the corrections immediately, and make sure they are conveyed to anyone we may have misinformed. For information that remains in dispute, we will note your opinion in the file.

Respecting your preference

We will explain your options of refusing or withdrawing consent to the collection, use or release of your information, and, given reasonable notice, we will record and respect your choices.

In most cases you are free to refuse or withdraw your consent at any time. You may do so by contacting the branch or office where your account is held or by calling us at 1-866-694-4392. Our staff will be pleased to explain your options and any consequences of refusing or withdrawing your consent, and record your choices.

There are several privacy preferences available to you, subject to legal, business or contractual requirements. If you prefer, you may choose not to have us -

• Use your Social Insurance Number with credit reporting agencies as an aid to identify you.
• Conduct a credit check in order to assess an application for credit. In doing so, however, we may not be able to extend credit services to you. Once you have a credit product with us, we will share your credit experience on an ongoing basis with other lenders and credit reporting agencies. You cannot withdraw your consent for this sharing of information as it is necessary to support the credit process.
• Contact you occasionally either by mail, telephone, or email, or all of these methods, with direct marketing offers that may be of benefit to you. This does not include messages or other information about promotional offers we provide on, or enclosed with, your written or electronic account statements, or that we may discuss while talking with you. Any marketing campaigns that are already underway may not immediately take your preferences into account.
• Share your financial and account information with other members of TDBG. This does not apply if you have requested a product or service that is jointly offered by more than one member of TDBG.
• Contact you to participate in customer research and surveys.

Addressing your concerns

If you have any questions, concerns or problems about privacy, confidentiality or how a request for information was handled, we encourage you to let us know, and you can take the following actions. If you choose to mail, fax or email us, please include your full name, address and telephone number.

STEP 1
Contact us in one of the following ways:

• Speak to a Customer Service Representative
• Telephone: Call 1-877-273-7498 at any time
• Mail: Customer Feedback
  TD Financing Services
  P.O. Box 4271, Station A
  Toronto Ontario, M5W 5V4
• Fax: 1-877-238-9105

We'll work hard to provide an acceptable solution but if you are not satisfied, a Manager will become involved in the resolution of your problem or concern.

STEP 2
Elevation to a Senior Manager

If you are not satisfied with the solution you receive from the Manager in Step 1, the Manager will offer to elevate your problem - communicating all relevant details on your behalf - to a Senior Manager responsible for the department. If you prefer to elevate the problem yourself, the Manager will provide you with contact information. You may also speak with one of our Customer Service Representatives at 1-877-273-7498 to arrange to have the appropriate representative contact you. If you are not satisfied with the solution the representative provides, a Senior Manager will become involved.

STEP 3
Contact the TD Ombudsman

If your problem or concern remains unresolved after Steps 1 and 2, you may contact the TD Ombudsman. If it is determined that your problem has not been addressed by a Senior Manager as described in Step 2, then the TD Ombudsman may direct your problem to the appropriate business area for investigation and response. Within five days of receiving your enquiry, the TD Ombudsman will write or call to advise you of the actions being taken. You may contact the TD Ombudsman by:

• Mail: TD Ombudsman
  Toronto-Dominion Centre, P.O. Box 1
  Toronto, Ontario M5K 1A2
• Fax: 416-983-3460
• Email³:td.ombudsman@td.com
• Telephone: 416-982-4884 or 1-888-361-0319

STEP 4
Contact the ADR Chambers Banking Ombuds Office (ADRBO)

If your concern still remains unresolved after contact with the TD Ombudsman, you may then contact the ADR Chambers Banking Ombuds Office (ADRBO) by:

• Mail: ADR Chambers Banking Ombuds Office
  112 Adelaide Street East
  Toronto, ON M5C 1K9
• Toll-free fax: 1-877-307-0014
• Email:³:contact@bankingombuds.ca

Our online Privacy Policy

Visiting our information sites
Using our Internet transaction services
Cookies
Email comments, questions or responses
Responding to games, contest or surveys

Protecting your privacy and the confidentiality of your personal information has always been fundamental to the way we do business with you within TDBG, whether over the Internet, on the telephone or at our branches and offices.

We developed the TD Privacy Code brochure to inform you of our policy on privacy and tell you about the ways we ensure that your privacy and the confidentiality of your information are protected.

Many of you have questions about how we are handling the information we obtain from you when you visit our websites. This online Privacy Policy will answer your questions about the information we collect when you visit a TDBG website, and how we use it.

Visiting our information sites

When you go directly to the information portion of our websites and move from page to page, read pages or download content onto your computer, we learn which pages are visited, what content is downloaded, and the address of websites that you visited immediately before coming to our websites. However, none of this is associated with you as an individual. It is measured only in aggregate.

We use this information to find out how many people visit our websites and which sections of the sites are visited most frequently. This helps us to know what type of information is most useful to you so that we can improve our websites and make it easier for you to access information. We record the statistical information on the numbers of visitors to our websites, but no information about you in particular will be kept or used.

Using our Internet transaction services

When you register for one of our Internet transaction services, such as EasyWeb, we compile a profile of you for that service (e.g. name, address, account numbers, login ID, etc.). Each time you use our Internet services, we collect your login ID, information about the transactions that you complete and the informational pages of the web that you visit while using the service.

We use your profile in responding to your inquiries on the service. We use your login ID to identify you as a user of the service. We use the transaction information in the aggregate to assess and improve the service.

We use specific transaction information for servicing purposes (e.g. billing). We use both your transaction information and the informational pages of the website that you have visited to determine your financial needs so that we can offer other TDBG products and services to you.

Cookies

A cookie is a small file containing certain pieces of information that a website creates when you visit the site. It can track how and when you use a site, which site you visited immediately before, and it can store that information about you.

There are two common types of cookies, "session cookies" and "persistent cookies". Session cookies store information only for the length of time that you are connected to a website - they are not written onto your hard drive. Once you leave the website, the originator of the cookie no longer has the information that was contained on it.

TDBG uses session cookies as an additional security feature for its online services. For example, when you login to any web service and are authenticated through your login ID and password, a cookie will store the identification number of your browser. Throughout your session, the cookie acts as a type of digital signature to identify your current session to the web server.

We also use session cookies to track your visits within our site. We use that information to determine the type of information that you are looking for in our site and to improve our site. We use information about the site you visited immediately prior to our site to assess the viability of links to our site that we have created on third party sites.

The information stored in "persistent cookies" is written onto your hard drive and remains there until the expiry date of the cookie. TDBG uses persistent cookies to store non-sensitive information that you are aware of and have agreed to. For example, if you choose the option on our login screen to remember your TD Canada Trust Access Card number or Connect ID for EasyWeb or WebBroker*, the system will remember and automatically input your Access Card number or Connect ID each time you use the service from that personal computer.

We also employ persistent cookies, in order to provide you with a more comfortable online experience. A persistent cookie is placed on your computer's hard drive to remember your language preference and ensure you are always presented with the appropriate language. We also employ a persistent cookie to ensure that any online targeted offer which you have already responded to is not presented again each time you login to our Internet banking site. When you submit an application online for a product or service, we may also collect non personal information, such as city, province and postal code in order to better serve our customers.

We use information about your computer, such as IP Address and Browser type, to administer EasyWeb IdentificationPlus and WebBroker IdentificationPlus. The primary method of collecting this information is through a persistent cookie which is added to your computer. The information is collected to assist us in authenticating you and your computer.

All persistent cookies used by TDBG are encrypted for additional security.

Currently, most browsers do not distinguish between session cookies and persistent cookies. For web services to operate, your browser must be set to accept cookies. If you are concerned about having your browser enabled to accept cookies while you are surfing other websites, we recommend that you enable your browser to notify you when it is receiving a cookie. This gives you the ability of accepting or rejecting any cookie presented by the web server you are visiting.

Flash-Local Shared Object

Local shared objects, sometimes referred to as "Flash cookies", are data files that a website creates when you visit the site. Share objects are most often used to enhance your web-browsing experience.

A local shared object is like a browser cookie, except that it can also store data more complex than simple text. Share objects, by themselves, can't do anything to or with the data on your computer. More importantly, share objects cannot access or remember your email address or other personal information unless you willingly provide such information.

As a back-up for EasyWeb IdentificationPlus and WebBroker IdentificationPlus, we use Flash to store information such as IP Address and Browser type. The information is collected to assist us in authenticating you and your computer.

For more information about Flash, please visit www.adobe.com

Platform for Privacy Preferences (P3P)

We are committed to protecting your privacy and personal information. As part of this pledge, TD has adopted a new technology standard called Platform for Privacy Preferences (P3P) within some of our websites.

As a visitor to our websites, we strive to be as open and transparent about our online privacy practices - and with new P3P technology, we can provide even greater transparency so you are aware of how we may collect, use, disclose and protect your information.

What is the Platform for Privacy Preferences (P3P)?

Developed by the World Wide Web Consortium, P3P provides a mechanism for websites to communicate to a P3P enabled web browser (such as Internet Explorer 7) what type of data the website collects and how it will be used. The browser will then automatically allow the website to update cookies according to your privacy preferences. A P3P enabled web browser is also able to display the website's policy in a 'human-readable' format.

Having a P3P policy allows the website to let visitors know the kind of data that the website collects and how that information will be used. Ultimately, the goal of P3P is to give you greater control over your personal information.

How does P3P work?

For P3P to work, you must have a P3P-enabled web browser or utility software. Microsoft's Internet Explorer 6.0 and Netscape 7.00 both support P3P. If it does support the P3P feature, your browser/software will:

• Automatically view TD's privacy policies as you browse our website;
• Compare them against your own privacy preferences (if you have selected and set them on your browser);
• Determine whether or not to allow cookies from our site;
• Show you a readable version of our privacy policies and ask how you wish to proceed.

All of this happens automatically! Put simply, P3P technology acts like a "translator", allowing computers to communicate with each other in machine language. So when you visit one of our websites that uses P3P technology, your browser/software will be able to communicate directly with our website to "interpret" our privacy policies - and determine whether or not they conform to your selected privacy preferences.

How does TD use P3P?

TD has established a P3P policy for our TD Canada Trust EasyWeb and TD Waterhouse WebBroker websites. Having this policy in place allows the EasyWeb and WebBroker applications to share information about how you access our websites, such as your IP address and browser type. The method used for sharing this information is an encrypted persistent cookie that is saved to your computer's hard drive when you login to EasyWeb or WebBroker. This allows us to provide you with a more comfortable experience while using our on-line applications and helps us to block others from accessing your personal information. Please note that this data is only shared if you use both EasyWeb and WebBroker.

While our P3P policy outlines the type of data that may be collected while you are using our on-line applications, rest assured that no sensitive personal data is included in the cookie that our websites use.

If you would like to review our P3P policy, please refer to your browser's on-line help for instructions on how to review it. Keep in mind that not all browser types are enabled to view the P3P policy

Enhancing your web experience

P3P helps you become more informed of our privacy practices. Ultimately, this gives you greater control over your personal information online as you browse our site. It's another way that TD is enhancing your web experience with us.

Email comments, questions or responses

When you send us an email or when you ask us to respond to you by email, we learn your exact email address and any information you have included in the email.

We use your email address to acknowledge your comments and/or reply to your questions, and we will store your communication and our reply in case we correspond further. We will not sell your email address to anyone outside TDBG. We may use your email address to send you information about offers on products and services that we believe may be of interest to you. If you don't want us to contact you by email with offers on products and services, you may tell us so at any time.

If you have asked us to put you on an email mailing list to provide you with certain information on a regular basis, or if we send you information about our offers on products and services by email, you may ask us to remove you from the list at any time (using the unsubscribe instructions provided with each email and on the site where you signed up).

Remember that email sent over the Internet is generally unencrypted. If TDBG requests that you transmit confidential information to us over the Internet when filling out an application online, we ensure that such transmission is encrypted. We recommend that you use caution when forwarding free-format email messages to us and that you do not include confidential information (such as account numbers) in those messages, as they are not encrypted.

Important Information About Preventing Email Fraud: From time to time, fraudulent emails may be circulated to you claiming to have been issued by Canadian banks and finance companies, requesting customers to verify their personal and/or financial information. Customers are often asked to click on a link in the email that directs them to a pop-up window or modified online login page to enter their respective bank's login ID and password.

We will never send email messages to customers requesting confidential information such as passwords, contract or account numbers. Please do not act on any such emails as you may compromise your personal information by following links to a counterfeit Internet site(s).

Responding to games, contest or surveys

When you submit your response to a survey question or enter one of our contests, we learn your answer or any opinions or information that you volunteer.

We will use your personal information for the purpose of awarding a prize in a contest. We may use your submission to come up with the survey results, and we may publish those results in aggregate on our websites. We may also use your response to improve products or services of TDBG. Based on your response, we may forward information about our offers on products and services that we believe may be of interest to you.

Who can answer your
questions about privacy?

To review your options under the TD Privacy Code, simply visit any branch, or call toll-free:
1-877-273-7498

en français (in French)
1-877-694-4385

or visit our website at
www.tdfinancingservices.com

¹ TD Bank Group means The Toronto-Dominion Bank and its affiliates, including TD Financing Services Home Inc., which provide deposit, investment, loan, securities, trust, insurance and other products or services.
² The “TD Privacy Code” complies with the provisions of the Personal Information Protection and Electronics Documents Act
³Email disclaimer: For your protection, do not send confidential or personal information (e.g. Access Card number, account numbers, etc.) via email, as it is NOT a secure method of communication. If your request is urgent or requires disclosure of confidential or personal information for resolution, please call us.
* Visa International Service Association/, licensed user
^TM Trade-mark of The Canada Trust Company.
* Trade-mark of The Toronto-Dominion Bank.
†Category Winner, Nymity Inc. 2006

Upon request, this brochure is available in alternate formats