TD Wealth Small Brochure

TD Wealth

Private Client Group

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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.

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 INVESTMENTSNOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE

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.

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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.

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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

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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.

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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.

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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.

TD Bank Group, headquartered in Toronto, Canada, with offices around the world, offers a full range of financial products and services through its businesses. Private Client Group is a unit of TD Wealth in the United States, which is a business of TD 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 through TD Bank. Investment products and services are available through TD Private Client Wealth LLC, member FINRA/SIPC (TDPCW). TDAM USA, Inc. (TDAM USA) is a federally registered investment advisor that provides investment management services to TD Wealth. TD Bank, TDPCW and TDAM 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 Private Tiered Checking, in some locations (FL, DC, MD, NC, SC, VA) no minimum balance is needed.* Important Details About TD Debit Card AdvanceSM: By enrolling in TD Debit Card Advance you authorize TD Bank, N.A. to permit ATM 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 Card Advance 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 the TD First Class Visa Signature Concierge on cardholders’ behalf. Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, 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, plus Warranty Manager, which provides warranty registration, Extended Warranty Protection and Purchase Security within 90 days of your purchase. Visa is a registered trademark and service mark of Visa International Service Association, and is used by TD Bank, N.A. pursuant to license from Visa 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 by TD 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 Investment Advisors 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.©2013 TD Bank, N.A. TD Wealth is a registered trademark owned by The Toronto-Dominion Bank. Used with permission.

TD Bank, N.A. TD Private Client Wealth LLC Bank deposits are FDIC insured. Member FINRA/SIPC Equal Housing Lender 62-17567 (04/13)

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