In the News 2010

Little ones, big bills: The $200,000 conversation parents need to have

- TD Insurance Parents and Finances survey reveals majority of Canadian parents do not have enough life insurance to cover the costs of raising their children -

TORONTO, ON, January 25, 2010 – Car seats. Childproof locks. Sunblock. You would do anything to protect your children. But what happens if you are not around to take care of them? The TD Insurance Parents and Finances survey shows that while 42% of Canadian parents believe it will cost more than $200,000 to raise a child to the age of 18, the majority of parents with life insurance do not believe they have enough insurance to cover these costs.

“The poll findings show that most parents are underinsured,” says Dave Minor, Vice President, TD Insurance. “One of our goals is to help Canadians think about what it takes to maintain their family’s lifestyle in the event the unexpected happens.”

Many Canadian parents face an even greater issue than being underinsured - they have no insurance at all. The survey found that 21% of Canadian parents do not have life insurance.

“Life insurance is a hard topic for parents to talk about; no one wants to think about not being around to raise their kids,” says Minor. “Just like everything else we do to protect our children, we need to consider the worst case scenario and plan for it.”

How expensive is it to raise Canada’s kids?
Raising children is an expensive undertaking, according to parents of kids under 18. Forty-two percent say that raising a child to the age of 18 in Canada will cost them more than $200,000, 31% believe that cost is between $100,000 and $200,000 and 27% say it is less than $100,000.

When asked about the costs to attend a Canadian university, including living expenses, the majority of parents estimate that in 15 years it will cost between $25,000 and $50,000 a year to send a child away to school.

Are parents saving enough?
If raising one child costs more than $200,000 and parents do not have life insurance, are they putting money away for their children’s future? The majority of parents don’t think so. A worrying 8 out of 10 parents say they are not saving enough: 8% say they spend more money each month than they earn; 30% are living paycheque to paycheque with nothing left to save; and 41% say they are saving a little, but not enough. Only 13% are saving about 10% of their earnings each month and just 9% say they save more than 10%.

“There is no question that saving money is tough. It can be hard to carve out funds to put aside for the future,” says Minor. “Unfortunately, the reality is that we all have limits. The good news is that there are plenty of options out there that suit any budget. An insurance expert can work with you to protect your family and your finances.”

How many parents have life insurance?
Seventy-nine per cent of parents surveyed say they have life insurance, either through their workplace benefits program or through purchasing a life insurance policy. Fifty-five percent of those with life insurance do not believe the policy will leave enough money to support their children to the age of 18.

“It’s also important to consider life insurance for stay-at-home parents, not just those in the workforce,” says Minor. “If something happens to the stay-at-home parent, the cost of child care can have a big impact on maintaining a family’s lifestyle.”

Of the 21% of parents who do not have any life insurance, 56% say they feel like they probably should have it, 36% say they cannot afford it and 9% say they do not believe it is necessary.

The Life Insurance Calculator at www.tdinsurance.com can help you determine how much coverage you need. To speak to an expert call 1.877.397.4187.

About the TD Insurance Parents and Finances survey
From December 10-17, 2009, Vision Critical - Angus Reid Public Opinion conducted the TD Insurance Parents and Finances survey among 1,006 Canadian parents between the ages of 25 and 45 with children under 18. The margin of error is 3.1 per cent. The results of the online survey have been statistically weighted according to the most current education, gender and region census data to ensure a representative sample. Discrepancies in or between totals are due to rounding.

About TD Insurance
The TD Insurance brand is a part of TD. The wide range of TD Insurance products help protect clients from the 'accidents of life' including credit protection, life, health, travel, home and auto insurance. With more than three million clients, TD Insurance authorized products and services are available through a network of more than 1,000 TD Canada Trust branches, the Internet and telephone. The TD Insurance brand, through its TD Insurance Credit Protection and TD Insurance Life and Health brands, is the number one provider of critical illness insurance and direct life and health premium origination in Canada. And through its TD Insurance Meloche Monnex and TD Insurance Home and Auto brands, is the largest direct-response insurance group in the country. For more information, visit www.tdinsurance.com.

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For more information, contact:

Jacqueline Burns
TD Bank Financial Group
(416) 308-0177
jacqueline.burns@td.com

Karen McCullough / Anne Locke
Paradigm Public Relations
(416) 203-2223
kmccullough@paradigmpr.ca / alocke@paradigmpr.ca

Does retirement make the heart grow fonder? TD Waterhouse surveys retired couples to find out

TD’s Patricia Lovett-Reid and relationship therapist Joe Rich offer couples practical advice on planning for a happy retirement, together

TORONTO, ON, January 27, 2010 – Travel the world or stay close to the grandkids? Golf every day or volunteer? When it comes to planning the retirement of your dreams, are you and your partner on the same page? Canadian retirees say it’s important to talk to your significant other to ensure you share the same vision of your future together, according to the TD Waterhouse Couples and Retirement poll. To help those couples next in line, Patricia Lovett- Reid, Senior Vice President, TD Waterhouse and relationship therapist, Joe Rich, M.S.W, R.S.W, have teamed up to provide advice on how to plan-–financially and emotionally-- for a happy retirement, together.

Picture your life together in retirement. What does it look like?
According to the TD Waterhouse Couples and Retirement poll, 51% of Canadian retirees say they had no idea, or only a vague idea, of what they wanted their retirement to look like and of those Canadian retirees who are married or in a common-law relationship, only half (51%) had the same vision for their retirement as their partner. Nineteen percent say there is conflict in their relationship because they have different retirement dreams.

“Retirement planning as a couple is about more than just saving money –- you need an understanding of what you would like to do together and recognize that your vision will evolve over time,” says Lovett-Reid. “The key to a rewarding retirement is to discuss your lifestyle goals, and how your finances can help you meet these goals. Confidence can come from an honest discussion with your partner, and the help of a trusted financial adviser.”

The retirement dynamic. Get ready for change
The TD Waterhouse Couples and Retirement poll found that 34% of Canadian retirees who are married or in a common-law relationship say that they are closer than ever because now they get to spend more time together. One out of five Canadian retirees (19%) say that the hardest thing about adjusting to retired life is not being able to do all of the things they used to do because of a reduced income, while 14% say it is coping with change.

“Retirement creates a whole new dynamic for couples who have spent years together in the same comfortable routine of going to work and raising kids,” says Rich. “There is an adjustment period that most couples experience when that routine changes. Getting ready emotionally to deal with that new reality can be tougher than people think – but talking to each other about your retirement expectations – and fears - can help to work through any issues, together.”

Create a retirement plan that works for both of you
Canadian retirees have varying definitions of a “retirement plan.” For 44%, it is thinking about lifestyle goals and how finances can help to reach those goals, for 19% it is about developing a diversified investment strategy, for 15% it is putting money aside in an RRSP each year and for 13% it is contributing to an employee pension plan.

“It’s great that many of us recognize a retirement plan is achieved by carefully balancing lifestyle goals with financial obligations and opportunities,” says Lovett-Reid. “What I encourage Canadians to do is consider where you are now, what you and your partner want to do when you retire, and how you can get from here to there. If you are unsure where to start, resources like www.tdretirement.com can help.”

Money, sex…and retirement – don’t avoid the difficult conversations
“Retirement can be one of those taboo topics that couples tend to avoid, just like talking about sex, money troubles or problems with the kids,” says Rich. “It is important to tackle this subject head-on with your partner long before you retire in order to avoid conflict down the road.”

Lovett-Reid agrees, “If you’re saving madly for a trip around the world, and your spouse is planning on starting a business, you might be headed for some challenges. Couples who discuss their dreams openly and work with a financial advisor they trust can create a roadmap for success.”

TD Waterhouse Couples and Retirement poll
The TD Waterhouse Couples and Retirement poll examined the attitudes and behaviours of 1,002 retired Canadians, age 55+, including 746 retirees who are married or in a common-law relationship. The survey was fielded between January 14 and 18 by Angus Reid Public Opinion, a division of Vision Critical.

TD Bank Financial Group
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. TD Bank Financial Group is the sixth largest bank in North America by branches and serves more than 18 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Insurance; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking, including TD Bank, America's Most Convenient Bank; and Wholesale Banking, including TD Securities. TD Bank Financial Group also ranks among the world's leading online financial services firms, with more than 6 million online customers. TD Bank Financial Group had CDN$557 billion in assets on October 31, 2009. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges.

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For further information:

Carolyn Abbass / Karen McCullough
Paradigm Public Relations
(416) 203-2223
cabbass@paradigmpr.ca / kmccullough@paradigmpr.ca

Maria Leung
TD Wealth Management
(416) 983-4093
Maria.leung@td.com

One third of Canadians’ hearts racing over retirement: Face your fears by starting to save early

• TD Retirement Savings Poll shows 91% of Canadians have retirement worries
  
• 20% are counting on CPP, a lottery win or an inheritance, instead of contributing to an RSP
  
• TD’s interactive My First RSP website shows that putting money away pays
  

TORONTO (February 4, 2010) – Excited about the prospect of retiring. Worried about their savings. According to the TD Retirement Savings Poll, these are the conflicted emotions many working Canadians experience when thinking about retirement. More than one-third (36%) can’t wait to stop working and enjoy life, however another third (30%) say that even thinking about saving for retirement makes their hearts pound because they haven’t saved enough.

“It’s not surprising that so many people have retirement worries,” says Carrie Russell, Senior Vice President, Core Banking and Payments, TD Canada Trust. “What is alarming is that 20% of people surveyed said that instead of contributing to an RSP, they are counting on either the Canada Pension Plan, an inheritance or a lottery win. The best way to quell those retirement fears is to take charge of your future now – instead of betting on the lottery, bet on yourself.”

RETIREMENT FEARS ARE WIDESPREAD
Ninety-one percent of Canadians say they have fears about retirement. More than half (52%) of working Canadians under 65 are scared that they have not saved enough money for a comfortable retirement.

“Saving for retirement can be daunting, especially when day-to-day expenses and more immediate savings goals eat into the majority of your income,” says Russell.

“While it can be challenging to make such a long-term goal a priority, having a retirement savings plan provides not only a cushion for the future, but it also provides tremendous value in the short run,” says Russell. “By starting early, you can take advantage of a number of benefits, including reduced income tax and the ability to borrow from your RSP for your education or a down payment on your first home.”

SAVING FOR RETIREMENT
The majority of Canadians are making a conscious effort to save for retirement, with 64% of Canadians surveyed saying they contribute to an RSP.

TD Waterhouse financial planner, Nathalie Amzallag, says she’s encouraged to see that many Canadians are contributing to their RSPs on a regular basis. “An RSP is the first step many Canadians take toward meeting their goals for retirement – the important thing is to take that step, even if retirement feels far away.”

The survey found that of those Canadians who contribute to an RSP, 53% contribute through a fixed monthly deposit, 29% make one lump sum payment a year and 18% use a combination of the two.

Amzallag is encouraged that two thirds of Canadians are doing something about saving for retirement, and to continue to make it a priority, she suggests there are ways to make contributing easier. “Putting aside some money every month through a pre-authorized payment plan makes saving more manageable and allows you to benefit from the power of compound interest.”

There are benefits to starting contributions earlier in life, but many younger Canadians are not getting the message. The poll found that 41% of Canadians between 18 and 34 do not currently contribute to an RSP.

Amzallag says that for younger adults, who may not be retiring for another three decades, it’s hard to make sense of saving for such a long-term goal. “Saving $25 a week doesn’t seem like a lot, but for a 20-year-old who plans to retire at 65, it could add up to approximately $361,500 in retirement savings.”

HELPING YOUNGER CANADIANS GET A HEADSTART
To help show the value of starting early, TD created My First RSP. The message behind My First RSP is simple: starting to put away a little savings when you’re young can add up to a big difference. Canadians can learn more about My First RSP by visiting the interactive web page at www.myfirstrsp.com or by visiting the TD Money Lounge on Facebook and clicking on the My First RSP tab. This simple to use “anti-procrastination” tool gives young adults tips including:

• Save for now: Ways that an RSP can benefit you today
  
• Buying your first home: How your RSP can help you purchase your first home
  
• Learn to save: Saving doesn’t have to be complicated, it is easy to set up an RSP
  
• Greater tax savings: Learn how to get a bigger tax refund
  
• Make your money grow: Build your savings inside your RSP with as little as $25 a month

TO VIEW AN HTML SOCIAL MEDIA VERSION OF THIS RELEASE, INCLUDING IMAGES AND REGIONAL FACT SHEETS, PLEASE VISIT www.donovangroup.ca/MyFirstRSP

TD RETIREMENT SAVINGS POLL

The TD Retirement Savings Poll, conducted by Angus Reid Public Opinion, a division of Vision Critical, surveyed working Canadians under the age of 65 to better understand their attitudes and behaviours about retirement savings. The total sample size includes 1,002 working Canadians with polling completed January 11-13, 2010.

TD BANK FINANCIAL GROUP
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. TD Bank Financial Group is the sixth largest bank in North America by branches and serves more than 18 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Insurance; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking, including TD Bank, America's Most Convenient Bank; and Wholesale Banking, including TD Securities. TD Bank Financial Group also ranks among the world's leading online financial services firms, with more than 6 million online customers. TD Bank Financial Group had CDN$557 billion in assets on October 31, 2009. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges.

For more information, contact:
Carolyn Abbass / Steve Presant
Paradigm Public Relations
416-203-2223
cabbass@paradigmpr.ca / spresant@paradigmpr.ca

Erin Baldwin
TD Canada Trust
416-308-4061
td.capa@td.com

Barbara Timmins
TD Wealth Management
416-307-6498
td.capa@td.com

A Winning Pair: TSN and PokerStars.net team up to launch TSN Poker Club

- Canadians now have access to their favourite sports and their favourite game in one place at
poker.tsn.ca -

February 3, 2010 (TORONTO, ON) – Every fan dreams of a day like this, when their favourite team adds an all-star to the roster. TSN, Canada’s sports leader, has teamed up with PokerStars.net, the world’s biggest online poker site, to create a custom built poker environment for the ultimate sports fans – The TSN Poker Club (poker.tsn.ca).

The TSN Poker Club, which launched today, allows members to enjoy a series of free-to-enter tournaments featuring great prizes, access to a skill-building poker school and the latest news on the biggest live and online tournaments from all over the world.

“Poker’s popularity in Canada continues to grow and the TSN Poker Club gives poker players of all levels a chance to get into the action and win exclusive prizes,” says Geoff Fardy, Canada Country Manager, PokerStars.net. “Every team wants to partner with the best and no one in Canada knows sports like TSN. Together we offer unprecedented access to the sport of poker on television and now online.”

Known for its award-winning software, outstanding tournaments and prizing, poker players all over the world choose PokerStars.net, making it the world’s largest poker site. To get started, simply go to poker.tsn.ca and click ‘download and play’ to get the free software and then follow the instructions to create your account.

“Poker on TSN has always attracted a loyal and dedicated audience of fans who love the thrill of high stakes competition,” says Shawn Redmond, Vice President of Marketing, TSN. “The TSN Poker Club gives our fans the opportunity to get in the game with PokerStars.net’s industry-leading software, the best game selection and access to exclusive tournaments and prizing.”

Get in the Game with Freeroll Tournaments
TSN Poker Club is hosting online tournaments three times daily from February 3 to July 31 that qualify players for the weekly finals and the monthly main tournaments. It’s free to play and there are great prizes to be won, such as poker tables and snowboards. Don’t worry if you aren’t a poker star yet, you can sign up for a free account and hone your skills in the free poker school on the site before taking a shot in the freeroll tournaments.

Remember, TSN Poker Club tournaments are absolutely free to play which means you can build your bankroll without spending a penny. Add TSN Poker Club to your browser’s favourites to keep up to date on tournaments and prizing.

About www.pokerstars.net:
PokerStars.net is the world’s largest poker site with more than 31 million members around the world. It’s the first choice of the world’s top players with more daily tournaments than anywhere else with the best security online. More hands have been dealt on PokerStars.net than any other site, that’s over 37 billion hands dealt to date and more than 242 million tournaments played.

PokerStars.net operates worldwide under the license from the Isle of Man Government. A recent addition to the PokerStars family, PokerStars.IT, operates in Italy under the Italian Government license.

PokerStars is in the record books, boasting the Guinness World Record for ’Largest Online Poker Tournament’ and ‘Most Players on an Internet Poker Room’.

PokerStars regularly sets the bar high, staging some of the biggest online and live poker tournaments in the world:

• The World Championship of Online Poker (WCOOP) is the premier yearly online poker tournament series in the world.
  
• The European Poker Tour attracts the best players and currently generates the biggest prize pool of any poker tour
  
• The PokerStars Caribbean Adventure staged on the shores of Paradise Island in the Bahamas is where thousands of players compete for a share of millions in prize money
  
• The Latin American Poker Tour unites the best players in South America
  
• The Asia Pacific Poker Tour does the same across the Pacific
  
• The World Cup of Poker a unique fixture on the poker calendar that combines the online and live poker worlds for a team challenge that pitches nation against nation

PokerStars is also the official sponsor of the; Russian Poker Tour, The Italian Poker Tour, Australia-New Zealand Poker Tour, The UK and Ireland Poker Tour. PokerStars is also home to an elite team of sponsored players known as Team PokerStars Pro – a group of established and up and coming players that travel the world competing in international tournaments. For a full list of Team PokerStars Pros visit www.pokerstars.net/team-pokerstars/.

About TSN
Official broadcaster of the Vancouver 2010 Olympic and Paralympic Winter Games and London 2012 Games of the Olympiad, TSN, a division of CTVglobemedia, is Canada's Sports Leader and Canada's most-watched specialty network. TSN's comprehensive broadcast schedule features an exciting line up of sports including NHL, IIHF, CFL, NFL, NBA, Blue Jays Baseball, Season of Champions Curling, Golf's Majors, F1, NASCAR Sprint Cup, Grand Slam Tennis, Championship Boxing and Mixed Martial Arts events. TSN properties include TSN2, TSN MOBILE and the industry leading sports website TSN.ca. TSN delivers more sports coverage in High Definition than any other network in Canada.

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For more information on the TSN Poker Club, please contact:
Anne Locke
Paradigm Public Relations
416-203-2223 x 225
alocke@paradigmpr.ca

Greg McIsaac
Director of Communications, TSN
416-384-5180
greg.mcisaac@ctv.ca

RETIREMENT IN NORTH AMERICA: TD's First Ever North American Report on Retirement Reveals Stark Differences North and South of the Border

Canadians twice as likely as Americans to be living the retirement they expected

TD's Frank McKenna and Patricia Lovett-Reid offer insight and advice for future retirees

TORONTO, ON, February 10, 2010 - Living the dream or going back to work? Worried about finances or confident in the future? How current retirees in North America feel about the state of their retirement is largely dependent on where they live, with more Canadians saying they weathered the impact of the recession significantly better than their neighbours to the south.

To understand the lessons that can be learned from current retirees’ experiences on both sides of the border, TD Bank Financial Group, North America’s sixth largest bank, conducted a study on the attitudes of Canadian and American retirees. Frank McKenna, Deputy Chair, TD Bank Financial Group, and former Canadian Ambassador to the United States of America, and Patricia Lovett-Reid, Senior Vice President, offer insight on the study findings: the first annual TD North American Report on Retirement.

The findings were striking. The data indicates that Canadian retirees fared significantly better through the recession than their American counterparts ― while American retirees are twice as likely to worry that they might run out of money, Canadians are twice as likely to be living their retirement dream.

“As a North American institution, we have an enduring focus on what our clients are experiencing on both sides of the border. We've seen firsthand that the financial crisis and resulting economic impact has been tough on everyone,” says Frank McKenna, Deputy Chair, TD Bank Financial Group. “However, north of the border, Canadians’ more conservative approach to finances and our country’s intact banking system have given retirees greater peace of mind and an increased likelihood of living out their retirement the way they planned."

What lessons can future retirees learn from the state of retirement today? McKenna and Lovett-Reid offer their perspectives on the report findings ― and advice on how you can apply lessons learned by today’s retirees to your retirement planning:

LIVING THE DREAM?
When asked if they are living their retirement dream, close to 70% of Canadian retirees say that their retirement is exactly or mostly what they were expecting, in contrast to only 47% of Americans. One in four Americans say that they are not living their retirement dream at all and 29% of American retirees say their retirement is very different from what they imagined.

How retirees feel about the state of their retirement may be linked to their current financial situation. Overall, American retirees are more concerned about their finances than their Canadian counterparts: 38% of Americans say they definitely did not save enough money (vs 21% of Canadians) and while 21% of Americans are worried they did not start saving early enough, only 10% of Canadians feel the same way.

“There is a somewhat negative stereotype that Canadians are staid when it comes to finances,” says Patricia Lovett-Reid, Senior Vice President. “Perhaps, but when it comes to banking and investing, staid is good.”

IMPACT OF THE RECESSION
The report findings demonstrate that Americans are still enjoying life, even though they did not weather the recession nearly as well as their neighbours. Half of Americans surveyed are now spending less as a result of the recession but are still enjoying themselves (compared to 37% of Canadians).

Less encouraging is the fact that one in four American retirees are worried they will run out of money. Twenty-eight percent of retirees say they might need to find a job to supplement their retirement income. In contrast, Canadian retirees are more confident: 30% say they were not impacted by the recession, with just 12% concerned they might run out of money and 10% considering job hunting.

LIFESTYLE VS FINANCES
Interestingly, the top advice from American retirees to those next in line is not financial advice. Americans first recommend that retirees take better care of their health (53%) and second, talk to their spouses before retiring to ensure they have the same vision (50%), followed by maxing out their 401Ks (38%).

In contrast, Canadians are more focused on their financial health. The top advice from Canadian retirees is to max out an RRSP (48%) and then to talk to their spouses about retirement dreams (46%) followed by taking care of their health (36%).

“These findings reflect my experience in both countries, that while Canadians and Americans are incredibly similar in many ways, there are significant differences in attitudes and behaviours,” says McKenna. “With an aging population in both countries, it is essential to understand the current experiences of retirees, both positive and negative. There are learnings from today’s retirees on both sides of the border that can help to inform their respective neighbours as they plan for their future retirement.”

LESSONS LEARNED FROM BOTH SIDES OF THE BORDER
When asked about the mistakes they made in planning for their retirement, a significant number of retirees in Canada and the US say they did not start saving until they were over 40 (28% of Canadians retirees and 32% of Americans).

Among the smartest things retirees say they did in planning for their retirement were working for a company with a matching retirement savings plan or pension plan (39% of Canadians and 27% of Americans) and living within their means (28% of Canadians and 27% of Americans).

“Living within your means is ideal, particularly if you know what those “means” will look like in retirement,” says Lovett-Reid. “What you want for retirement are a series of choices, not a series of takeaways. Talk to an advisor about how you may envision your retirement and develop a custom financial plan to help you get there. Visit www.tdretirement.com for planning tools that can help get you started and keep your retirement plan on track.”

TD NORTH AMERICAN REPORT ON RETIREMENT
The TD North American Report on Retirement is a survey of 1002 retired Canadians and 1009 retired Americans between the ages of 55-70. The survey was conducted by Angus-Reid Public Opinion, a division of VisionCritical, between January 12-18, 2010.

TD BANK FINANCIAL GROUP
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. TD Bank Financial Group is the sixth largest bank in North America by branches and serves more than 18 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Insurance; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking, including TD Bank, America's Most Convenient Bank; and Wholesale Banking, including TD Securities. TD Bank Financial Group also ranks among the world's leading online financial services firms, with more than 6 million online customers. TD Bank Financial Group had CDN$557 billion in assets on October 31, 2009. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges.

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For more information or a copy of the report, contact:

Carolyn Abbass / Karen McCullough
Paradigm Public Relations
416-203-2223
cabbass@paradigmpr.ca / kmccullough@paradigmpr.ca

Barbara Timmins
TD Bank Financial Group
416-307-6498
td.capa@td.com

Global re-launch for the iconic Hawaiian Tropic® brand in 2010

Hawaiian Tropic® Sun Care Unveils Luxurious New Products with New Look and Feel

MISSISSAUGA, ON, February 17, 2010 – With the summer sun only a few short months away, Hawaiian Tropic sun care unveils bold changes that mark an evolution for the iconic sun care brand. With a focus on beauty and ‘indulgent sun protection’, the entire line of sunscreens and after sun products now offer a new, luxurious, upscale look and feel.

The innovative new line includes a range of sunscreen products with UVA and UVB protection, such as the Sheer Touch Continuous Spray SPF 60. Also new this year is the Lime Coolada After Sun Moisturizer, with nourishing natural shea and cocoa butters to help keep skin silky and smooth, and a range of Crème lotions which contain a new silky formulation and a heavenly scent. The new Hawaiian Tropic sun care product line will be available in major retailers across Canada in March. Prices range from $9.99 to $11.99.

“The modern Canadian woman wants her sunscreen to do more than simply protect her from the sun’s harmful rays; she wants it to enhance her sun experience by moisturizing her skin, and seducing her senses,” says Zora Crowder, Hawaiian Tropic Senior Brand Manager at Energizer Personal Care, LLC, parent company of Hawaiian Tropic sun care. “Our consumer is a woman who is always up-to-date on the latest trends and loves to be spoiled by her beauty routine. Now more than ever, the Hawaiian Tropic brand will provide her with the indulgence she wants and the protection she needs.”

Discover The Beauty of Sun Protection™
The new Hawaiian Tropic line is designed to thrill the senses - from skin-nourishing formulations with exotic island botanicals to sensual fragrances. All the products offer an exclusive blend of six island botanicals with moisturizing antioxidants. These ingredients indulge the senses by infusing tropical scents with vitamin-enriched lotions that moisturize the skin.

“This year’s re-launch of the Hawaiian Tropic sun care product line-up is all about The Beauty of Sun Protection,” says Christine Popoff, Director of Sun Care, New Product Development at Hawaiian Tropic sun care. “And, this is just the beginning. Our team continues to look at new innovations that bring beauty and sun protection together in unique ways to provide products that instantly enhance skin’s appearance with moisturizing properties that help women feel better and look better.”

The New Look
The new look of the Hawaiian Tropic brand features beauty oriented packaging with a signature curvy shape, as well as clean, modern colours and graphics that reflect tropical beauty. This new packaging builds on the brand’s iconic heritage and brings to life a contemporary but familiar look that is both upscale and sensual.

The New Scent
Hawaiian Tropic sun care reveals a new modern twist on its classic coconut fragrance. The heritage scent has been enhanced for even broader appeal – a clean, fresh, coconut scent. In consumer testing, the new fragrance was overwhelmingly preferred three to one over the current. The new scent will be phased in across the line.

The New Feel
Hawaiian Tropic sun care unveils their new formulation of Crème lotions and after sun products. These lotions offer a luxurious, highly moisturizing ribbon of lotion, which provide a unique pampering and indulgent experience unlike any other sun care brand on the market. The new Crème line offers an SPF 10 sunscreen and a luxurious mango after sun moisturizer. Another addition to the Hawaiian Tropic brand includes an indulgent line of after sun moisturizers to keep your skin feeling silky smooth. The Lime Coolada After Sun Moisturizer helps your skin replenish moisture and the Coconut Body Butter provides intense hydration for up to 12 hours.

The brand re-launch will be accompanied by a new advertising campaign which will focus on the “Beauty of Sun Protection”, supporting the brand’s unique positioning as sun care that provides indulgent sun protection.

About The Hawaiian Tropic Brand
Hawaiian Tropic sun care is a registered trademark of Tanning Research Laboratories, LLC, whose parent company is Energizer Holdings, Inc. Founded in 1969, Hawaiian Tropic is one of the top selling sunscreen brands in Canada. With a range of products and SPFs up to 70, Hawaiian Tropic sunscreens provide broad-spectrum UVA and UVB protection.

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For more information or photography contact:
Gina Kohn
Paradigm Public Relations
416.203.2223 ext. 222
gkohn@paradigmpr.ca

9 out of 10 Canadians are taking action to protect themselves against fraud

- TD Canada Trust challenges Canadians to test their fraud savvy to mark Fraud Awareness Month in March -

TORONTO (February 25, 2010) – Worried about fraud, Canadians are proactive about protecting themselves. More than 90% of Canadians take preventive steps to avoid becoming a victim of fraud, from shredding documents (73%) to shielding their Personal Identification Number (PIN) (62%), according to the TD Canada Trust Fraud Prevention Month Poll.

“It is very encouraging to see so many Canadians take action to help protect themselves,” says Andrea Phillips, Vice President, Payments, TD Canada Trust. “Financial institutions have sophisticated monitoring and detection tools in place and work closely with law enforcement to help protect their customers from fraud. Canadians can take complementary steps to greatly reduce their risk by becoming aware and taking precautions to protect themselves.”

The TD Canada Trust Fraud Prevention Month Poll revealed that other actions taken by Canadians to prevent fraud include speaking with their bank about reducing their daily bank card withdrawal limit (12%) and changing their PIN every couple of months (6%).

While 82% of Canadians are concerned about fraud and 92% say they take some action to protect themselves, the poll showed that a few are engaging in risky behaviour: 21% of Canadians have sent their credit card number in emails, 10% have told someone their debit card PIN and 7% have carried their PIN in their wallet.

“Despite the overwhelming number of Canadians who are taking preventive action, there is still room for improvement. TD Canada Trust is committed to educating people to help replace some risky habits with secure ones,” says Phillips.

In support of Fraud Prevention Month, TD Canada Trust developed the following quiz to help Canadians determine how fraud savvy they are and learn what they can do to help protect themselves. Andrea Phillips is available for interviews to discuss the quiz and fraud prevention strategies.

TD Canada Trust Fraud Prevention Quiz:

1) What does a criminal need to make a copy of your card and access your account?
a) The card -- my Personal Identification Number (PIN) is on the stripe
b) My PIN -- they can use a blank card
c) The card and my PIN together

2) A customer’s PIN is located on the magnetic strip on their card
a) True
b) False

3) How often should you cover the key pad when you enter your PIN?
a) Always
b) Sometimes
c) Never

4) What is Phishing?
a) Looking over someone’s shoulder at an ABM to learn their PIN
b) A scam done over the phone or via email to obtain personal and financial information
c) Rifling through the garbage to look for discarded receipts and statements

5) A salesperson asks you for your PIN, saying their new keypad doesn’t stretch that far and they have to enter it themselves. You:
a) Give them your PIN and debit card
b) Decline to give them your PIN but continue your transaction and move around the counter to enter your PIN yourself
c) Leave and contact your financial institution

6) How often should you check your banking and credit card statements for discrepancies?
a) Always
b) Often
c) Never

7) You do your banking online, so when you receive your statement in the mail you should:
a) Throw it away without opening it
b) Read it and put it in the recycling
c) Read it and shred it

8) How secure should you be with your debit and credit cards?
a) Fairly secure – don’t loan them to strangers but it’s OK if family and friends borrow them
b) Don’t sweat it. If someone steals them you will be reimbursed
c) Treat them like cash and know where they are at all times

9) You go to pay for lunch and your credit card is gone. What should you do?
a) Call your credit card company immediately to report it lost
b) Dine and dash
c) Drop by your bank branch a few days later to report it missing

10) What should you do if you receive an email from your financial institution asking for your banking information?
a) Enter the information
b) Delete it because your financial institution would never ask for your banking information via email
c) Contact the email sender to find out more

11) What should you do with expired identification and credit cards?
a) Throw them away
b) Save them because you like the way you look in the photo
c) Shred them

12. You sell something online to a stranger who sends you a check for too much and asks you to wire the difference. You should:
a) Do as they ask because you trust the selling site
b) Do as they ask because if the cheque’s no good your bank will reimburse you
c) Cancel the transaction and rip up the cheque

Give yourself 2 points for every right answer: 1.c) 2.b) 3.a) 4.b) 5.c) 6.a) 7.c) 8.c) 9.a) 10.b) 11.c) 12.c)

If you scored 20-24: You run a tight ship – your information is pretty safe
• You have a place for everything and everything is in its place so you know almost instantly if something is missing or not right. Now, while you may not apply this strategy to every aspect of your life (we know about your junk drawer), you know that your debit and credit card is safest with you and you know how to keep them from getting into the wrong hands.
• Not only do you shield your PIN during the transaction but you take your transaction record and destroy it when you no longer need it. Remember to do the same with any expired identification or personal papers you no longer need.
• You probably don’t have much to worry about since fraudsters tend to pick on easy targets. You are very careful and aware of how to protect yourself, so keep up the good behaviour.

If you scored 14-18: You know the basics, but there is more you can do to protect yourself
• Take extra precautions to protect your personal information. Maybe you don’t share your PIN with anyone – but are you sure your PIN is a number that would be hard to guess? Avoid using your birthday or part of your phone number.
• Since e-mail isn’t always secure, you know better than to send private information, like your credit card number, this way – but remember, not all websites are secure either.
• Make sure you are shopping on a secure website or look for merchants who use added security features, like Verified by Visa, before entering your credit card information.
• Also, shred your personal information. There is only one of you, let’s keep it that way.

If you scored under 14: Be careful – you’re sharing too much!
• Take the time to protect what is important – your identity, your money and yourself. Don’t be so carefree with personal information. Never lend your cards to anyone, or give anyone your PIN. Even better, memorize your PIN so you don’t need to write it down. And, never carry your PIN with your wallet.
• Unless you initiated the call, do not provide your credit card number over the phone.
• Though email is a convenient way to contact someone, your financial institution will never ask you to verify your banking information that way. And remember, that king from a far off land asking you to share your bank account information is not actually going to make you rich.

TD CANADA TRUST FRAUD PREVENTION MONTH POLL
The TD Canada Trust Fraud Prevention Month Poll, conducted by Angus Reid Public Opinion, a division of Vision Critical, surveyed adult Canadians with debit and credit cards to gain a better understanding of Canadians’ concerns over fraud. The total sample size includes 1,059 working Canadians with polling completed February 9-11, 2010.

TD BANK FINANCIAL GROUP
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. TD Bank Financial Group is the sixth largest bank in North America by branches and serves more than 18 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Insurance; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking, including TD Bank, America's Most Convenient Bank; and Wholesale Banking, including TD Securities. TD Bank Financial Group also ranks among the world's leading online financial services firms, with more than 6 million online customers. TD Bank Financial Group had CDN$557 billion in assets on October 31, 2009. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges.

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For further information:
Carolyn Abbass / Karen McCullough
Paradigm Public Relations
416-203-2223
cabbass@paradigmpr.ca / kmccullough@paradigmpr.ca

Tashlin Hirani
TD Bank Financial Group
416-982-3375
Tashlin.hirani@td.com

Future photography stars awarded top prize

- TD and AIDS Committee of Toronto (ACT) announce 2010 SNAP!Stars competition winners -

TORONTO (March 1, 2010) - Ten talented university student photographers achieve stardom as TD and the AIDS Committee of Toronto (ACT) announce the winners of the 2010 TD SNAP!Stars photo competition.

Photography and photo-based media students from 10 art institutions across Canada and the Northeastern United States were invited to submit digital images of their work. A jury comprised of industry professionals as well as faculty from each participating school chose 10 winners to receive a $1,500 cash prize from TD and the opportunity to display a selected print at the Live Auction for SNAP!, ACT’s annual photographic fundraiser in Toronto, on March 21, 2010.

“By participating in the SNAP! Live Auction, which draws more than 700 patrons each year, these student photographers will have their work exhibited alongside renowned photographers such as Joshua Jensen-Nagle, Beverly Owens and Yuriko Kubota,” says Scott Mullin, Vice-President, Government and Community Relations, TD Bank Financial Group. “TD congratulates this group of rising stars who are certain to be the future of photography in North America.”

2010 TD SNAP!Stars

"We are proud to invite these emerging photographers to showcase their work at SNAP!, one of our signature annual fundraising events,” says Hazelle Palmer, Executive Director of ACT. “In addition to the exposure offered to each of these artists, the funds raised through bidding on their work will go directly to programs and services for people living with, affected by and at risk for HIV/AIDS in our community.”

ABOUT SNAP!

SNAP! is the AIDS Committee of Toronto’s (ACT) annual photographic fundraiser featuring a live auction of curated art, a silent auction, and photo competition. The event provides patrons with an opportunity to support ACT and add to their art collections. Both renowned and emerging artists showcase their work and this year’s event takes place on Sunday, March 21, 2010 at Toronto’s National Ballet School. All proceeds go to help support vital, free programs for those living with HIV/AIDS. For more information and to purchase tickets, please visit www.snap-toronto.com.

TD BANK FINANCIAL GROUP

The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. TD Bank Financial Group is the sixth largest bank in North America by branches and serves more than 18 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Insurance; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking, including TD Bank, America's Most Convenient Bank; and Wholesale Banking, including TD Securities. TD Bank Financial Group also ranks among the world's leading online financial services firms, with more than 6 million online customers. TD Bank Financial Group had CDN$557 billion in assets on October 31, 2009. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges.

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For more information or to arrange an interview with a SNAP! spokesperson or artist please contact:

Gina Kohn
Paradigm Public Relations
416-203-2223
gkohn@paradigmpr.ca

Luxury for your legs

Skintimate® introduces Moisturizing Cream Shave for a noticeably softer shave

TORONTO, ON, March 4, 2010 – Just like slipping into your favourite cashmere sweater or lounging on a bed covered in silk sheets, now you can add a little luxury to your day every time you shave with Skintimate® Moisturizing Cream Shave. The unique non-aerosol cream formula helps protect legs from nicks and cuts and creates a moisture locking barrier on skin to protect and seal in moisture, leaving just-shaved legs silky smooth.

“Shaving with soap and water is anything but luxurious and can often leave skin dry and irritated,” says Giselle Smejda, Skintimate Brand Manager. “Skintimate® Moisturizing Cream Shave’s unique cream formula, infused with soy protein extract, and innovative rich texture helps seal in skin’s moisture resulting in noticeably smoother, softer legs.”

A thin layer of the non-lathering cream is all you need to achieve noticeably softer skin. Skintimate® Moisturizing Cream Shave is offered in Extra Gentle with Vitamin E, a mild, dye-free cream designed for sensitive skin types and Dry Skin with Olive Butter, a luxurious cream made especially for dry skin to give extra hydration.

Skintimate® Moisturizing Cream Shave is available in 177 mL bottles at major retail locations across Canada, for approximately $4.99. Visit www.skintimate.ca for more information.

About Skintimate
Skintimate®, a division of Energizer Personal Care Canada, is a leading manufacturer of shave prep products for women. Committed to shave product innovation, Skintimate has introduced some of the most innovative and successful shave products on the market including Moisturizing Shave Cream®, the first non-lathering cream formula infused with soy protein extract, Skin Therapy®, the first lotionized moisturizing shave gel that combines a unique moisture-rich lotionized gel with a special skin softening complex, and Signature Scents®, a moisturizing shave gel that combines enticing fragrance with 11 moisturizers. For more information contact 1.800.SHAVERS.

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For further information or to obtain high resolution images please contact:
Christine Newlands/Laura Ballantyne
Paradigm Public Relations
416.203.2223
cnewlands@paradigmpr.ca

Canadians continue to use their debit and credit cards with confidence, despite concerns about fraud

- In support of Fraud Prevention Month, TD Canada Trust provides tips and advice to help Canadians avoid debit and credit card fraud -

TORONTO (March 11, 2010) – With billions of transactions taking place in Canada each year, debit and credit cards are an essential part of everyday life. However, Canadians are aware of fraud -- according to the TD Canada Trust Fraud Prevention Month Poll, 40% of Canadians surveyed say they are ‘very’ or ‘extremely’ concerned about becoming a victim of fraud in the future and one-third of Canadians feel they have been a victim of debit card or credit card fraud in the past.

“It’s understandable that Canadians worry about fraud, but it’s important to remember that these types of incidents make up a fraction of one percent of debit and credit card transactions,” says Christine Morris, Vice President, Account Recovery & Fraud Management, TD Canada Trust. “Canadians can use their cards with confidence and also know that it pays to be well informed about how they can help prevent fraud.”

The use of debit and credit cards continues to rise in Canada. Currently there are 34 million debit cards in circulation across the country. Between 2008 and 2009 the number of debit transactions in Canada rose from 3.7 billion to 3.8 billion annually and the value of debit transactions rose from $168 billion to $171 billion.1 There were approximately 69 million credit cards in circulation in Canada in 2009, compared with 68 million in 2008.2

“With so many cards in use, a small amount of fraud can happen, however, Canadians can be proactive about preventing it. Keeping track of where their cards are at all times, protecting their Personal Identification Number (PIN) and remembering to always report their lost or stolen card are all very simple ways to help ensure they are not victims of fraud,” says Morris.

In support of Fraud Prevention Month, TD Canada Trust offers the following tips, which Canadians can use to help protect themselves:

Credit card fraud prevention tips:

Guard your cards

• Always know the location of your credit cards. Keep them in a safe place if unattended.
  
• Don’t lend your cards to anyone.
  
• When making a purchase, keep your card in view as much as possible.
  
• Don’t forget to take your card after using it at an ABM or to pay for a purchase.
  
• Carry with you only the cards you need.
  
• Never provide your credit card number over the phone unless you are the one who initiated the call.
  

Check your records, statements and activities

• Check your account statements as soon as they are available to ensure all transactions and charges are correct. Look for extra or missing transactions and report any discrepancies immediately. Using an online banking service, like TD Canada Trust EasyWeb, allows you to check your transactions throughout the month.
  

Report missing cards immediately

• If your card is lost, stolen or is retained by an ABM, notify your financial institution immediately.
  

In the event fraud does occur, Visa cardholders are protected through the Visa Zero Liability Policy, which means they are not responsible for fraudulent or unauthorized purchases or charges on their Visa account. Victims of debit card fraud are protected by the Canadian Code of Practice for Consumer Debit Card Services, and are reimbursed by their financial institutions.

Debit card fraud prevention tips:

• Select a PIN that’s easy for you to remember but difficult for others to guess. Always avoid the obvious – your telephone number, date of birth, etc.
  
• Memorize your PIN. Do not let anyone else know or use your PIN and avoid writing it down.
  
• Always enter your PIN yourself.
  
• Never give out your PIN over the phone, Internet or mail. No one but you knows your PIN – not even your financial institution.
  
• Complete transactions only when and where you feel secure.
  
• When conducting transactions at an ABM or making a debit purchase, use your hand or body to shield the keypad when you enter your PIN.
  
• When a transaction is complete, put your card back in your wallet and take your transaction record.
  
• Shred or otherwise destroy your transaction records when you no longer need them.
  

TD Canada Trust takes card security seriously, and uses some of the newest technologies available to protect its debit and credit cardholders. This includes sophisticated monitoring and detection systems, the existing security features of TD Canada Trust Access Cards and credit cards, such as PIN numbers, as well as adding ‘chip’ technology to its cards.

More information on fraud prevention from TD Canada Trust can also be found by visiting http://www.td.com/privacyandsecurity/protect_yourself.jsp.

TD CANADA TRUST FRAUD PREVENTION MONTH POLL
The TD Canada Trust Fraud Prevention Month Poll, conducted by Angus Reid Public Opinion, a division of Vision Critical, surveyed adult Canadians with debit and credit cards to gain a better understanding of Canadians’ concerns over fraud. The total sample size includes 1,059 working Canadians with polling completed February 9-11, 2010.

TD BANK FINANCIAL GROUP
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. TD Bank Financial Group is the sixth largest bank in North America by branches and serves more than 18 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Insurance; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking, including TD Bank, America's Most Convenient Bank; and Wholesale Banking, including TD Securities. TD Bank Financial Group also ranks among the world's leading online financial services firms, with more than 6 million online customers. TD Bank Financial Group had CDN$567 billion in assets on January 31, 2010. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges.

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For further information:
Carolyn Abbass / Steve Presant
Paradigm Public Relations
416-203-2223
cabbass@paradigmpr.ca / spresant@paradigmpr.ca

Tashlin Hirani
TD Bank Financial Group
416-982-3375
Tashlin.hirani@td.com

Looking for more “trunk space”: more than two-thirds of Canadians say they want more trees on their city’s main streets

- Deadline for TD Green Streets funding applications for tree planting initiatives is April 6 -

Toronto, March 23, 2010 – The people have spoken; Canadians are ready to say goodbye to the concrete jungle and hello to the urban forest. A recent poll commissioned by TD Friends of the Environment Foundation (TD FEF) found that more than two-thirds of Canadians (68%) say they want more trees on their city’s main streets. TD FEF is encouraging municipalities and First Nations communities across Canada to apply for funding to support their tree planting initiatives through the TD Green Streets program, in co-operation with Tree Canada.

Through the TD Green Streets program, 20 communities across Canada will be awarded a grant of up to $15,000 for tree planting, inventory, maintenance and educational activities at the end of April. Applications for funding are being accepted until April 6, 2010 and are available online at www.tdgreenstreets.ca.

“From removing carbon dioxide to releasing oxygen, trees are fundamental to sustaining our communities. An increase in trees is a great addition to any community and we want to help make that a reality,” says Mary Desjardins, Executive Director, TD Friends of the Environment Foundation. “Our partnership with Tree Canada falls directly in line with our objective to support grassroots environment and wildlife initiatives across the country. As this year marks our 20th anniversary, we’d like to celebrate by helping 20 municipalities bring their plans for greener main streets to life.”

TD Green Streets’ impact on Canadian communities
Since 1994, more than 370 Canadian municipalities have benefited from Green Streets funding to plant and maintain trees from coast-to-coast. The district of Kitimat, B.C. received funding in 2008 for a project that involved local residents planting mature trees in the community. “Without the assistance of the Green Streets program, communities such as ours would not be able to support a community tree planting program to such and wide extent,” says Joanne Monahan, Mayor of Kitimat.

“Green Streets has greatly benefited our community – acting as a catalyst for private and individual action,” adds Doug Reycraft, Mayor of Glencoe, Ontario.

TD Green Streets: How it works
The TD Green Streets program is open to Canadian municipalities, First Nations communities and Business Improvement Associations (BIAs) in Vancouver and Toronto. Based on the community size and need, grants of up to $15,000 are given with a maximum of 50 per cent of the grant allocated towards the cost of tree planting. The remainder can be used for inventory, maintenance and educational activities.

How municipalities are chosen
All submissions are reviewed by regional Tree Canada Advisors, Board Members, urban forest practitioners and TD Friends of the Environment Foundation representatives based on innovation, community involvement and technical expertise. Communities who have already received Green Streets funding are also eligible to apply under this year's program.
For more information or to apply for funding from TD Green Streets visit www.tdgreenstreets.ca
About the TD Friends of the Environment Foundation Poll:
From March 8 to March 10, 2010, Angus Reid Public Opinion, a practice of Vision Critical polled 1,010 randomly selected Canadian adults who are Angus Reid Forum panelists.

About Tree Canada:
Tree Canada is a not-for-profit charitable organization established to encourage Canadians to plant and care for trees in urban and rural environments. A winner of the Canadian Environmental Award (2007), Tree Canada engages Canadian companies, government agencies and individuals to support the planting of trees, the greening of schoolyards, and other efforts to sensitize Canadians to the benefits of planting and maintaining trees. To date, more than 76 million trees have been planted, more than 450 schoolyards have been greened, and Tree Canada has organized 8 national urban forest conferences. More information about Tree Canada is available at www.treecanada.ca.

About TD Friends of the Environment Foundation:
Since 1990, TD FEF has provided more than $53 million in funding to over 19,000 grassroots environment and wildlife projects across Canada.  In 2009, TD FEF provided more than $4.1 million in support of 899 projects.  Thousands of donors give to TD FEF on a monthly basis and TD Bank Financial Group contributes in excess of $1 million annually.  TD also covers the management costs of running TD FEF, which guarantees 100 per cent of every dollar donated goes directly to funding environment and wildlife projects in the community where the donation was made.  For more information on how to donate and get involved in your community, visit www.tdfef.com. 

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For further information or to arrange an interview please contact:

Gregory Harrison
TD
416-308-8597
gregory.harrison@td.com

Karen McCullough / Sinead Brown
Paradigm Public Relations
416-203-2223
kmccullough@paradigmpr.ca / sbrown@paradigmpr.ca

Melissa Nisbett
Tree Canada
613-567-5545 ext. 224
mnisbett@treecanada.ca

Top students recognized for innovative concepts in environmental sustainability

- Four university teams each awarded $25,000 in the TD Friends of the Environment Foundation $100,000 Go Green Challenge -

TORONTO, March 17, 2010 – Thinking green has paid off for four groups of Canadian post-secondary students. TD Friends of the Environment Foundation (TD FEF) today announced the winners of the third annual $100,000 Go Green Challenge, a national competition that invites university and college teams to share proposals and ideas that would have a positive environmental impact on communities. 

124 teams from 45 schools across the country participated in this year’s Go Green Challenge. The four winning teams were students from the University of British Columbia, University of Manitoba, University of Western Ontario and Université de Sherbrooke. TD FEF will award each winning team with $25,000, which can be used towards putting their innovative idea into action or for other expenses such as tuition, textbooks and rent. 

“When it comes to building a greener future through innovation, Canadian students continue to rise to the challenge,” says Mary Desjardins, Executive Director, TD Friends of the Environment Foundation. “This year, students collectively wrote nearly half a million words on environmental sustainability, with ideas ranging from tea farms to stormwater systems to biofuels. We’re extremely proud of all of the students who took the time to share their vision.”

The winning submissions are:

UBC Farm Sustainabili-Tea - University of British Columbia (UBC)

• While tea has become incorporated into the diet of many Canadians, it is often overlooked as a food item. This team’s plan for the UBC Farm Sustainabili-Tea project outlines how a local herbal tea enterprise can contribute towards a more sustainable food system in the city of Vancouver. Teaming up with the acclaimed Centre for Sustainable Food Systems on UBC’s Farm, a 363 sq. ft. plot will be cultivated with plants suitable to grow in the mild west coast climate. This proposal consisted of a thorough analysis of the current tea industry, the production process of a local herbal tea and addressing the challenges and the advantages of a business plan.
• Student members: Queenie Bei, Jessica Cho
• Faculty sponsor: Brent Skura, Faculty of Land and Food Systems, Food Nutrition and Health

• With no true beginning or end, water is constantly moving and interacting with its surroundings. Through varying forms and states, water alters every element it contacts, shaping both immediate and distant environments. This team developed a plan that involves the investigation of stormwater management issues in an urban context, and provides design-based alternatives for creating a more sustainable city. Contributing factors such as peak stormwater flow, runoff, and pollution are examined and the principles of bioretention are proposed as a method to mitigate these issues. 
• Student members: Kathryn Voroney, Aileen Zubriski 
• Faculty sponsor: Anna Thurmayr, Landscape Architectures

• This project proposes an integrated multidimensional global approach that supports initiatives designed to soften our carbon footprint. The team proposed a model that could be applied to cities with a population of 100,000 or more, where more than 65 per cent of the Canadian population is concentrated. The model city integrates a vertical farm to increase yield and promote local production, thereby reducing emissions associated with agriculture and food transportation. An intelligent electric network that will enable the electric production to be delocalized and will promote renewable energy is also a part of the model city, and a highly efficient public transit system, combined with active transportation (cycling, walking, etc.), allow the city to be without cars. 
• Student members: Mariane Maltais-Guilbault, Nicolas Vincent
• Faculty sponsor: Alain Webster, Vice President, Sustainable Development and Government Relations

• Currently, organic matter from municipal waste is often landfilled, thereby wasting precious stored energy and nutrients. This team’s plan involves proposed technology that will utilize organic waste diversion systems to create renewable energies and organic fertilizers. This would be done by anaerobically digesting separated municipal organic waste to create methane gas, by taking the nutrient rich liquid bi-product to grow algae for the production of biodiesel and other bio-products, and by taking the nutrient rich solid digestate from the anaerobic digesters to replenish lost nutrients in farm fields. 
• Student members: Hilary Booth, Peter Schnurr 
• Faculty sponsor: Amarjeet Bassi, Chemical and Biochemical Engineering

Members of the TD FEF $100,000 Go Green Challenge judging panel included: Henry Sauvagnat, Vice President, Sustainable Development, Cascades Inc.; Karen Clarke-Whistler, Chief Environment Officer, TD; Jed Goldberg, President, Earth Day Canada; and Cynthia Wright, Acting Assistant Deputy Minister, Environmental Stewardship Branch, Environment Canada. Together they selected the winning four teams based on creativity, originality, viability and the positive impact the submission would have on the livability of Canadian communities. 

“The high degree of sophistication and sheer variety of the proposals we received this year made it difficult to select only four winning teams," says Jed Goldberg, President, Earth Day Canada and judging panel member. “The forward thinking that Canadian students applied to their ideas is a testament to the keen understanding and ongoing curiosity they have of environmental issues and the importance they place on protecting the planet.” 

For more information on the TD FEF $100,000 Go Green Challenge winners and the winning submissions, visit www.tdfef.com/gogreen.

About TD Friends of the Environment Foundation:

Since 1990, TD FEF has provided more than $53 million in funding to over 19,000 grassroots environment and wildlife projects across Canada.  In 2009, TD FEF provided more than $4.1 million in support of 899 projects.  Thousands of donors give to TD FEF on a monthly basis and TD Bank Financial Group contributes in excess of $1 million annually.  TD also covers the management costs of running TD FEF, which guarantees 100 per cent of every dollar donated goes directly to funding environment and wildlife projects in the community where the donation was made.  For more information on how to donate and get involved in your community, visit www.tdfef.com.  

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For further information or to arrange an interview please contact:

Gregory Harrison
TD
416-308-8597
gregory.harrison@td.com

Karen McCullough / Sinead Brown
Paradigm Public Relations
416-203-2223 
kmccullough@paradigmpr.ca / sbrown@paradigmpr.ca 

What’s lurking behind the walls of your new dream home?

TD Insurance advises first time buyers to call the experts before sealing the deal

April 21, 2010 (TORONTO, ON) – The spring home buying season is in high gear and for most Canadians, a home is the biggest investment they’ll make in their lifetime. It’s critical that new home buyers do their research and know what they’re buying before they sign on the dotted line. Having the information they need can help prevent home buyers from discovering surprises that can be costly to fix, dangerous or even invalidate home insurance, says TD Insurance.

“A house doesn’t come with a money-back guarantee, which is why it’s so important to be aware of potential issues before you buy,” says Henry Blumenthal, Vice President and Chief Underwriter, TD Insurance. “New home owners need to know what they’re buying and ensure they can maintain and protect their most valuable asset, because once the sold sign goes up, the buck stops with them.”

Equally important as a home’s curb appeal is the cost to repair and maintain it and the potential insurance implications that come along with it. The best way to understand a home’s condition is to hire a professional home inspector. A home inspection analyzes the structure and major systems: roof, exterior, electrical, heating, cooling and plumbing. By sharing the details found in the inspection report with your insurance provider, your insurer can help identify problem areas that could increase premiums, prevent you from qualifying for home insurance or require additional riders.

“We provide home buyers with information they need to make an educated decision,” says Bob Dunlop, President, Carson Dunlop. “Because every buyer is different -- one person’s fixer-upper is another person’s nightmare -- it’s not a question of whether a house passes or fails, it’s whether it works for a particular buyer’s needs.”

When assessing risk, insurers are primarily looking at two factors: the frequency with which a particular problem tends to occur and the potential magnitude of the loss associated with the problem. Water damage is one of the most common home insurance claims and has the potential to cause major damage. Five years ago, water damage represented a quarter of the claims TD Insurance paid out; today it’s up to one half. On average, water damage costs policyholders more than $7,500 to repair.

A home inspector assesses a home’s vulnerability to water damage and can flag items like poor maintenance of eaves troughs and downspouts, improper installation of a basement backup valve, cracks in the foundation or an aging roof.

“With a roof that’s 20 years old, the only guarantee you have is that it’s going to leak at some point,” adds Blumenthal. “An insurer’s unique insight and experience can help you make your buying decision. If your insurer isn’t comfortable with an item in the home inspection report, you should take a closer look before you buy.”

Other common items that a home inspector will look at that could ultimately impact your insurance premiums and eligibility include:

• Plumbing and electrical. An outdated plumbing or electrical system can be potential hazards if they haven’t been properly maintained or updated.
  
• Heating. An older heating system, such as an oil furnace, could leak and cause damage to your home and the surrounding area if not maintained properly.
  
• Liability exposure. A pool that isn’t properly fenced creates a higher probability of an accident.
  Previous renovations. If renovations were clearly the work of a corner-cutting do-it-yourselfer they could pose a safety threat.
  
• Smoke detectors. Without functioning smoke detectors there’s a higher potential for significant damage from a fire, including danger to you and your family.
  
• Alarm systems. A functioning alarm system is a theft deterrent that could help lower your insurance premiums.

“The inspection identifies what repairs need to be made and at what cost,” adds Dunlop. “Depending on your financial situation, what comes out of our report could have an impact on your purchase decision. It could even give you some bargaining power with the seller.”

According to the Canadian Mortgage and Housing Corporation, a typical home inspection is in the range of $500, depending on the size and condition of the home.

“Buying a first home is exciting and it’s easy to get carried away and overlook the details, but the most important thing buyers can do is take time to ask questions so there are no surprises,” says Blumenthal. “That way, they can feel confident that their new home is a safe investment and a safe haven.”

To find out more and to get a free quote, visit www.tdinsurance.com or call 1.888.791.5346.

About Carson Dunlop
Carson Dunlop (www.carsondunlop.com) has long been regarded as a leader and innovator in the Home Inspection industry. Founded in 1978 by Alan Carson and Bob Dunlop, Carson Dunlop & Associates Ltd., has grown and evolved over the past 30 years, having completed over 100,000 residential inspections during that time. In addition to home inspections, Carson Dunlop provides training and report writing systems to home inspectors across Canada and the United States.

About TD Insurance
The TD Bank Financial Group through its insurance companies which together are referred to as TD Insurance, offers a wide range of products to help protect clients from the 'accidents of life' including credit protection, life, health, travel, home and auto insurance. With more than three million clients, TD Insurance authorized products and services are available through a network of more than 1,000 TD Canada Trust branches, the Internet and telephone. The TD Insurance brands include TD Insurance Credit Protection and TD Insurance Life and Health, which are the number one provider of critical illness insurance and direct life and health premium origination in Canada. And through TD Insurance Meloche Monnex and TD Insurance Home and Auto, it is the largest direct-response insurance group in the country. For more information, visit www.tdinsurance.com.

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For more information, contact:

Jacqueline Burns
TD Bank Financial Group
(416) 308-0177
jacqueline.burns@td.com

Karen McCullough / Anne Locke
Paradigm Public Relations
(416) 203-2223
kmccullough@paradigmpr.ca / alocke@paradigmpr.ca

Paradigm shifts into high gear with six ACE award wins

Toronto, ON, April 29, 2010 – Paradigm Public Relations took home six awards at the annual Canadian Public Relations Society (CPRS) Toronto ACE Awards on April 28, including PR Professional of the Year for agency partner and senior vice president Mike Abbass.

Mike was recognized for his industry support, including his position as a founding member of the CPRS Measurement Committee, commitment to mentoring young PR professionals and leadership role in Paradigm’s growth since the agency’s inception.

Paradigm was recognized with five awards for campaigns executed on behalf of its clients including Gold for its TD Canada Trust Small Business Week campaign, Silver for its unique RRSP Boot Camp campaign with TD Bank Financial Group, Silver for strategic media relations for PokerStars.net and Silver for an irreverent program for Schick Quattro for Women called Save the Economy, Show Some Leg.

Paradigm attributes its award wins to its great roster of clients who trust in the agency to develop and execute innovative, creative communications campaigns. Less than three years old, Paradigm has grown to a staff of 14 and works for leading companies including TD Bank Financial Group, Molson Coors, Energizer Personal Care, HTC, NBA Canada and PokerStars.net. The six CPRS ACE Award wins brings Paradigm’s total to 20 awards in three years.

About Paradigm Public Relations
Started in 2007, Paradigm Public Relations (www.paradigmpr.ca) is a Toronto-based, full-service agency specializing in brand marketing communications, corporate communications, issues management and media relations measurement. Its clients include Energizer Personal Care (Schick, Hawaiian Tropic, Banana Boat and Playtex), HTC, Molson Coors, NBA Canada, Newman’s Own, PokerStars.net and TD Bank Financial Group.

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For more information:
Kathleen McMenamin
Paradigm Public Relations
416-203-2223 x263
kmcmenamin@paradigmpr.ca

TRUST YOUR INTUITION: ADOPT A 25 HOUR DAY
- Join the 25th Hour Coalition at www.25thhour.ca –

Toronto, ON, June 17, 2010 – “What Would You Do If You Had An Extra Hour Everyday?” “Canadian Women Campaign for 25 Hour Day”, “Time for More Time”. The 25th Hour Coalition is making headlines across Canada. Canadians are urged to join the movement (www.25thhour.ca) and do what comes naturally: add an extra hour to their day. The 25th Hour Coalition was started with the objective of raising awareness of women’s need for more time in the day. Women who continually find that 24 hours are not enough are invited to join the movement and adopt a 25 hour day.

What is the 25th Hour Coalition?
Several scientific studies have shown that the human body intuitively runs on a 25 hour day. These include a study published in the Harvard Gazette which showed the body’s clock is naturally set to 25 hours*. The 25th Hour Coalition--which is backed by Schick® Intuition Plus®, a brand that understands women’s need for more time --was created with the vision of adding an extra hour to the day. Canadians are invited to join the 25th Hour Coalition, try moving to a 25 hour day and start living their lives on a 25 hour clock.

The 25 Hour Day
Moving to a 25 hour day is surprisingly easy, requiring a basic adjustment – the first eleven hours of the day are the standard 60 minutes, but an extra 30 minutes are added to the 12th hour. To see the transformative power of the 25 hour day, watch this news video which shows how 25th Hour Coalition founder Jessie Behan became an award-winning author, competitive cake decorator and stunt pilot with her extra time.

Plus, to learn more about the 25 hour day, visit www.25thhour.ca and follow the 25th Hour Coalition on Twitter: http://twitter.com/25thHr

Rewarding the 25 Hour Day
Schick® Intuition Plus® is offering Canadian women the opportunity to share what they would do with their extra hour for a chance to bring that 25th hour to life, a prize valued of $5,000. Visit www.25thhour.ca to enter.

Schick® Intuition Plus® and the 25th Hour Coalition
“The Schick® Intuition Plus® brand understands that women, particularly moms, need more time in the day,” says Giselle Smejda, Brand Manager, Schick® Intuition Plus®. “Canadian women’s support of the 25th Hour Coalition proves that the need for more time is real. The Schick® Intuition Plus® brand is committed to making women’s lives better by shaving time off their day.”

Schick® Intuition Plus® razors marry skin care benefits with the ultimate in convenience allowing women to lather, shave and moisturize in one easy step. The Schick® Intuition Plus® razor saves women time because it eliminates the need for shaving cream -- women need to just add water.

Schick® Canada
Schick Canada, a division of Energizer Personal Care, is a leading manufacturer of high performance razors for men and women. Committed to the development of shaving technology and innovation, Schick Canada has launched some of the most successful razors on the market including Xtreme3®, the first three-blade disposable that flexes and pivots, Intuition Plus®, the first razor that lathers, shaves and moisturizes in one step, and Quattro®, the first four-bladed system and disposable razor for men and women. For more information visit www.schick.ca.
FREE YOUR SKIN™

The 25th Hour Coalition
The 25th Hour Coalition is calling on all Canadian women to join the movement. Women can pledge their support and learn how to live by a 25 hour clock at www.25thhour.ca. Women who feel that there is not enough time in the day, who could use an extra hour to get ahead or who are tired of continually trying to do more with less are encouraged to join.

* The Harvard University Gazette “Human Biological Clock Set Back An Hour” - William J. Comrie, June 15, 1999

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Media contact:
Tracey Bochner/Gina Kohn
tbochner@paradigmpr.ca /gkohn@paradigmpr.ca
416.203.2223