This newsletter is brought to you by The Toronto-Dominion Bank (“TD”) for informational purposes only. Articles are not intended to provide legal, tax or investment advice and this newsletter should not be construed as being legal, investment or tax advice to anyone. TD will NOT be liable for any errors or omissions in the information or for any loss or damages suffered arising from such errors or omissions related to this newsletter. All third-party products and services referred to or advertised in this newsletter are provided by the company or organization named. While TD does not specifically endorse any of them, TD makes the third-party products and services referred to available as a convenience to its customers only and is not liable for any claims, losses or damages however arising out of their purchase or use. Some of the products or services listed are registered trade-marks and are the property of their respective owners. The information in this newsletter is current as of April 30, 2010.