"Act now and act decisively": TD RRSP Boot Camp

    TORONTO, Feb. 19 /CNW/ - General (Retired) Rick Hillier, former Chief of
the Defence Staff and Patricia Lovett-Reid, Senior Vice-President, TD
Waterhouse give last minute marching orders from TD RRSP Boot Camp; sound,
strategic military principles that you can apply to your financial plan. As
the RRSP deadline rapidly approaches, General Hillier and Ms. Lovett-Reid have
three key military directives for investors.

    1. Take control of the situation:

    "When a key deadline approaches, go on the offensive and gather
intelligence in order to make an informed decision about your future actions,"
says General Hillier.

    "This is not the time to retreat. Take control of your financial future
and plan to maximize your RRSP contribution," says Ms. Lovett-Reid.
"Maximizing your RRSP contribution is one of the best ways to generate a tax
refund, which can be used to pay down your mortgage, reduce your debt or put
in a TFSA for tax-free savings in the future."

    2. Rely on your battle buddies:

    "When you only have a short time to get ready for action, remain calm and
rely on your 'battle buddies'- those people on your team who will give you
confidence and advice to make the right decisions," says General Hillier.

    "While it's natural to be emotional about money in times like these, we
can't let our feelings steer us away from our long-term investment strategy.
With only a few days left to contribute money into your RRSP, there is still
time to speak to a professional and ensure your financial plan stays on
track," says Ms. Lovett-Reid.

    3. Act now and act decisively:

    "If you don't act decisively when you have all the information you need,
you will miss the opportunity to act at all," says General Hillier.

    "Act now and make your RRSP contribution or else you will miss out on the
potential tax savings. Don't worry if you haven't decided how to invest your
money by the deadline of March 2, 2009, you can temporarily hold your funds in
cash in your RRSP and take the time afterwards to work with an advisor to
decide the right investments," says Ms. Lovett-Reid.

    General (Retired) Rick Hillier joined TD Bank Financial Group in
September 2008 as a senior advisor, to support select client/customer
experience initiatives, and leadership development and training activities.

    Further information about making an RRSP contribution at TD:

    Clients can make sure their retirement savings plans are on track by
going into a branch for a TD Personal Assessment. They'll walk away with a
review of their current investments, a clear idea of how much they should be
contributing to their RRSPs to meet their savings goals, advice and
recommendations for next steps, and a feeling of confidence in their financial
    With 50% longer hours than the other banks, TD Canada Trust is open "8
'till late, six days straight." For clients who can't make it into a branch
before the March 2 deadline, RRSP contributions can be made 24/7 online and
over the phone at TD Canada Trust EasyWeb, TD Waterhouse WebBroker, and TD
Canada Trust EasyLine.

    For more information, visit: http://www.tdcanadatrust.com/ and

    TD Canada Trust Branch Hours:

    Monday - Wednesday, 8:00 am to 6:00 pm
    Thursday & Friday, 8:00 am to 8:00 pm
    Saturday, 8:00 am to 4:00 pm

    About 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 approximately 17 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
through TD Banknorth and TD Bank, America's Most Convenient Bank; and
Wholesale Banking, including TD Securities. TD Bank Financial Group also ranks
among the world's leading on-line financial services firms, with more than 5.5
million on-line customers. TD Bank Financial Group had CDN$563 billion in
assets as of October 31, 2008. The Toronto-Dominion Bank trades under the
symbol "TD" on the Toronto and New York Stock Exchanges.

For further information:

For further information: Karen McCullough/Jennifer Meneses, Paradigm
Public Relations, (416) 203-2223, kmccullough@paradigmpr.ca,
jmeneses@paradigmpr.ca; Barbara Timmins, TD Bank Financial Group, (416)
307-6498, barbara.timmins@td.com

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