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Our policy is to provide equal employment opportunities to all applicants and employees in all aspects of employment without regard to race, color, religion, sex, age, national origin, ancestry, nationality, creed, citizenship, alienage, marital or domestic partnership or civil union status, affectional or sexual orientation, disability, veteran status, liability for military service, whistleblower status, gender identity and/or expression, atypical cellular or blood trait, genetic information (including the refusal to submit to genetic testing), or any other characteristic protected under federal, state, or local law and to affirmatively seek to advance the principles of equal employment opportunity.

As President and CEO of TD Bank, I affirm that the above Equal Employment Opportunity Policy and the Company's Affirmative Action Plan reflect the Company's attitude and its intention to:

1. Recruit, hire, train and promote for all job classifications.
2. Base decisions on employment so as to further the principles of equal employment opportunity.
3. Ensure that promotion decisions are in accordance with the principles of equal employment.
4. Ensure that all other personnel actions such as compensation, benefits, transfers, terminations, Company-sponsored training, tuition assistance, social and recreation programs will be administered in accordance with the principles of equal employment.
5. Provide, pursuant to section 503 of the Rehabilitation Act of 1973, as amended, and The Vietnam Era Veterans' Readjustment Assistance Act of 1974, as amended, Vietnam Era Veterans Employment Opportunities Act of 1998, which require Government contractors to take affirmative action to employ and advance in employment qualified individuals with disabilities, special disabled veterans, Armed Forces service medal veterans, Other Protected veterans (includes Vietnam era veteran), recently separated veterans, and/or other eligible veterans under 41-CFR 61-300.

Overall responsibility for directing and implementing the Equal Employment Opportunity Policy as described here and the Company's Affirmative Action Program has been assigned to the Employee Relations Manager, who serves as the Company's EEO Officer.

TD Bank is committed to be in full compliance with the provisions of the law and of the Affirmative Action Program.

By:
Bharat Masrani
President and Chief Executive Officer

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Important Disclosure Regarding Deposit Insurance on Noninterest-bearing Transaction Accounts (FDIC)

SECURITIES AND INSURANCE
NOT FDIC INSURED	NO BANK GUARANTEE	MAY LOSE VALUE

Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

Under federal law, Regulation E (Electronic Fund Transfer Act) provides certain protections to consumer customers when there is unauthorized account activity. Regulation E covers electronic fund transfer activity through a checking, savings, or other consumer asset account at a financial institution used primarily for personal, family, or household purposes. All of the protections provided by Regulation E are incorporated into our Online Banking Agreement.

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