1. TD Wealth
Private Client Group

2. Flysheet:Print“TD”inopaquewhite.
Personal wealth is not a goal, but a process. Building wealth starts with
a solid foundation and preserving it continues within a strong framework.
At TD Wealth®
Private Client Group, we put our resourcefulness,
commitment to service and sound management to work for you.

3. TD Wealth
Introducing TD Wealth
®
Private Client Group
As your wealth grows, so does your need
for strategic financial guidance.
We help you meet this challenge. Our world-class team consults
with you at every step as we develop a fully integrated wealth
management strategy and put it into action.
SECURITIES AND INVESTMENTS
NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE

4. Put one of the world’s strongest banks to work for you.
Established in 1852, today TD Bank Group is a global leader, with more
than 85,000 employees serving 22 million Customers worldwide.
In the U.S., TD Bank Group has 1,300-plus locations with strong local
standing in communities throughout the East Coast and dedicated
Private Client Group offices in a number of major cities.
As TD Bank Group has grown, we’ve evolved along with the changing
needs of Clients, and we’ll provide you the highest level of relationship
banking to help you gather, grow, safeguard and transfer your assets.
Your dedicated Relationship Manager is the core of
your financial team.
Your Relationship Manager oversees your everyday banking requirements and
works on your behalf with other professionals on our team. Together, we craft
an integrated strategy to help you meet your needs.
Our commitment
Before we develop a strategy for you, we listen and learn,
then recommend and discuss ideas with you. Because life
isn’t static, we conduct regular reviews to evaluate your
investing and wealth management strategies.
Introduction

5. Private Client Banking
Customized banking and lending designed
to fit your preferences.
You will experience an exceptional day-to-day banking
relationship with Private Client Group. From setting up your
accounts to arranging online banking and safe deposit
boxes, your Relationship Manager takes responsibility
for all the details.
Exclusive Private Client Banking benefits:
• Private Tiered Checking and Private High Yield Savings, with complimentary incoming wire transfers
and free ATM access at thousands of TD ATMs. Plus, TD will waive its fees when you use non-TD
ATMs, and other banks’ surcharges will be reimbursed when you have a minimum daily balance of
$2,500 in your Private Tiered Checking account.
• TD Debit Card AdvanceSM
, a special discretionary overdraft service. With your approval, we’ll authorize
ATM transactions or one-time debit card purchases if you don’t have enough money available in your
Private Tiered Checking account.*
• TD’s exclusive First ClassSM
Visa Signature®
Credit Card, with triple rewards
for dining and travel purchases, concierge, access to private events and more.
• The TD Bank Platinum Visa Debit Card, designed exclusively for high net
worth Clients. With higher limits, your Debit Card includes the protection
of Visa Zero Liability and other benefits.
PrivateClientBanking

6. Credit and Lending
Individually designed borrowing to manage
your personal, business, commercial and
specialty financing needs.
Private Client Group takes a personalized approach to
lending. Working with you, your Relationship Manager
understands your lending needs, makes recommendations,
and calls in the appropriate specialists.
We customize terms and tailor specialized financing for our high net worth
Clients, including:
• A wide spectrum of mortgage programs, including jumbo loans for primary residences
and vacation homes, as well as home equity lines of credit
• Secured and unsecured lines of credit
• Secured and unsecured term loans
• Specialty financing
• Commercial real estate lending for luxury apartments, offices
and industrial property
CreditandLending

7. Investing
Private Client Group’s Client-focused approach
centers on your success.
Managing a portfolio requires day-to-day expertise. With Private Client
Group, you have a team of professionals dedicated to helping you achieve
your objectives.
We build our investing relationship with you according to the level of
involvement you prefer. We offer professional portfolio management, where
we manage your investments with a structured, personalized approach; and
investing with professional guidance and recommendations, but you make
the ultimate decisions. We also offer a full range of brokerage services.
Constructing a tailored portfolio: Private Client Group starts by
understanding you.
Your Relationship Manager and Investment Advisor work with you to help
manage risk and prioritize your objectives throughout several steps:
Discovery – We work to understand your goals and current assets, gauge risk
tolerance and identify sensitive areas, then craft your customized strategy.
Planning – Using a proprietary goals-based approach, we recommend a plan
to reflect your needs, time horizon, and tolerance for risk.
Starting the journey – We tailor investment choices using the expertise of
our in-house professionals and seasoned investment managers.
Monitoring – We track your portfolio’s progress and, since life is dynamic, we
work with you to periodically recalibrate your plan so it keeps pace with you.
Investing

8. Trust and Estate Planning
Private Client Group helps you design a plan
for today and a legacy for future generations.
Our experts help you through the complicated process of trust
and estate planning with discretion and efficiency. We work closely
with you to design a plan that reflects your unique situation –
today and into the future – and guide you in the preservation and
transfer of wealth across generations.
Our Trust and Estate Planning professionals can also consult
with your attorney, accountant or other professionals as needed.
Private Client Group Trust and Estate Planning professionals help you plan for the future with:
• Effective planning to minimize estate taxes
• Foundations and philanthropic giving
• Professional management of trusts
• Assistance for Clients serving as trustees and executors
• Timely, impartial estate settlement, asset management and administration
Together, we develop strategies so the wealth you’ve worked so hard to build
can pass from generation to generation.
TrustsandEstatePlanning

9. We welcome the opportunity to
help you achieve your goals.
Your Private Client Group team looks forward to helping you enjoy, grow
and protect your wealth, and invite you to have a conversation with your
Relationship Manager soon.
Any TD Bank location can put you in touch with Private Client Group.
We have dedicated offices in cities from Maine to Florida.

10. TD Bank Group,headquartered inToronto,Canada,with offices around the world,offers a full range of financial products and services through its businesses.Private Client Group is a unit ofTDWealth in the United
States,which is a business ofTD Bank,N.A.,member FDIC (TD Bank).Private Client Group provides its Clients access to bank and non-bank products and services through 1,300-plus locations and dedicated Private
Client Group offices.Banking,lending and trust services are available throughTD Bank.Investment products and services are available throughTD Private ClientWealth LLC,member FINRA/SIPC (TDPCW).TDAM
USA,Inc.(TDAM USA) is a federally registered investment advisor that provides investment management services toTDWealth.TD Bank,TDPCW andTDAM USA are affiliates.
For non-TD Bank, N.A.,ATM transactions, the institution that owns the terminal (or the network) may also charge a fee (surcharge) at the time of your transaction, including balance inquiries.
For PrivateTiered Checking, in some locations (FL, DC, MD, NC, SC,VA) no minimum balance is needed.
* Important DetailsAboutTD Debit CardAdvanceSM
: By enrolling inTD Debit CardAdvance you authorizeTD Bank, N.A. to permitATM transactions or one-time debit card purchases of any size to overdraw
your account.A $35 fee applies to each transaction that overdraws your account if, at the end of the business day, your account is overdrawn by more than $5, whether created by debit card, check, in-person
withdrawal, or other electronic means.You are obligated to pay overdrafts immediately.A one-time $20 sustained overdraft fee is charged when your account balance remains negative for 10 consecutive
business days.Whether an overdraft will be paid is at our discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not
making regular deposits, or you have too many overdrafts.TD Debit CardAdvance is different from other forms of overdraft coverage in that it does not transfer funds from an approved line of credit, savings
account, or home equity line of credit.Transactions will not be processed in the order in which they occurred.The order in which they are processed may affect the total amount of overdraft fees incurred.
Cardholders are responsible for the cost of any goods or services purchased by theTD First ClassVisa Signature Concierge on cardholders’ behalf.
Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply toATM transactions, PIN transactions not processed byVisa, or certain commercial card transactions. Cardholder must notify issuer
promptly of any unauthorized use. Consult issuer for additional details or visit visa.com/security.
Special benefits include: worldwide emergency card replacement and cash advances, plusWarranty Manager, which provides warranty registration, ExtendedWarranty Protection and Purchase Security within
90 days of your purchase.
Visa is a registered trademark and service mark ofVisa International ServiceAssociation, and is used byTD Bank, N.A. pursuant to license fromVisa U.S.A. Inc.
Loans subject to credit approval. Other terms and conditions may apply.
Securities and other investment products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed byTD Bank, N.A. or any of its affiliates; and may be subject to
investment risk, including possible loss of value.
TD Bank,TDPCW, their affiliates, and Private Client Group Relationship Managers and InvestmentAdvisors do not provide legal or tax advice. In accordance with I.R.S. Circular 230, any tax advice in this
material is not intended or written to be used, and cannot be used, by any recipient for the avoidance of penalties under federal tax laws.
©2013TD Bank, N.A.TDWealth is a registered trademark owned byTheToronto-Dominion Bank. Used with permission.
TD Bank, N.A. TD Private ClientWealth LLC
Bank deposits are FDIC insured. Member FINRA/SIPC
Equal Housing Lender 62-17567 (04/13)
Fly sheet (back side)