The document provides information about the Financial Success Solution portfolio management services of Mark J. Krygier. It outlines the investment philosophy, which focuses on capital preservation and long-term growth. It also discusses the qualifications and experience of Krygier and his team, the characteristics of managed portfolios, and examples of past trades and the rationale behind them.

1. The Financial Success Solution ™ Professional Portfolio Management Presented by: Mark J. Krygier Vice President and Portfolio Manager

2. Investment Philosophy Our goal has always been, and continues to be, to protect our clients’ hard-earned capital and to achieve reasonable long-term growth and sufficient income, in order to meet our clients’ needs. Mark J. Krygier Vice President & Portfolio Manager

3. Our Investment Philosophy is Based on: Conservative and time proven principles of investing. Overlaying our investment ideas with technical analysis.

4. Our SUCCESS has Come From: Care and Attention – that we give to the construction and on-going management of our clients’ individual portfolios. Experience – managing through two of the worst bear markets in the last century has framed our views. Learning – constantly seeking out ideas for upgrading portfolios and upgrading professional education.

5. What Makes Us Uniquely Qualified? Consistent and disciplined approach to investing. Individualized portfolios vs. “Cookie Cutter” i.e. one size does NOT fit all. Clients hold individual securities vs. mutual or pooled funds. Transparency with regard to: (a) investment process (b) risk management (c) fee structure

6. What Makes us Uniquely Qualified? Holistic Approach to achieving overall financial success. Portfolio management is done within that context with consideration of: legal ramifications tax planning considerations estate planning needs We help our clients avoid THE FINANCIAL FAILURE TRAP !

7. Characteristics of Our Portfolios Concentrated portfolios – 25-35 stocks (Canada, U.S. and ADRs) High quality fixed income securities : investment-grade corporate bonds and high-quality preferred shares Significantly less volatile than the markets by underweighting cyclical stocks Willingness to trim gains to limit our clients’ exposure to any single company - remember the “Nortel” lesson Willing to take small losses to avoid large losses e.g. AIG Strategically manage asset allocation in volatile markets

8. Investment Ideas are Generated From Various Sources Including: TD Waterhouse PAIR and TD Newcrest Research Non-brokerage research including Valueline and Standard & Poors The Gartman Letter Don Vialoux’s “ Tech Talk ” Strategic Investment Advisor (SIA) Charts The Financial Post, Globe & Mail, Barron’s, Wall Street Journal The Trend is Your Friend! All investment ideas are “vetted” through technical analysis – we like stocks that go “up” and hate stocks that go down!

9. Criteria We Look For in Choosing Stocks GOOD BUSINESSES: industry leaders, strong and improving balance sheet, clear and sustainable competitive advantages, free cash flow generation, understandable businesses, proven management ability. GOOD PRICE: avoid buying near all-time highs, consider valuation vs. peers and market as a whole, not looking to catch the bottom. TECHNICALLY SOUND: ideally the 50-week moving average (MA) is trending up, the stock is trading above the 50-week MA, and it has significant volume which is supporting further moves upwards .

10. Stocks Will be Sold Under the Following Conditions: Future profitability - appears to be declining. Balance sheet risk - appears to be increasing unreasonably. A better investment opportunity exists elsewhere – not married to positions. Breakdown in the technical momentum – this removes the emotion involved in knowing when to sell. Trim positions - to maintain our diversification discipline.

11. Who Are We? Over $140 million Assets Under Administration. Combined experience of 35 years in the financial services industry. Supported by TD Bank Financial Group - one of North America’s most financially stable and reputable financial institutions.

12. Who Are We? Mark J. Krygier, B.A., LL.B, CFP, FCSI Vice President & Portfolio Manager Background: Articled with a prestigious Bay Street law firm in 1994-95 Joined one of Canada’s largest investment firms as an Investment Advisor in 1996 Fellow of the Canadian Securities Institute as of 2002 Discretionary Portfolio Manager since 2003 Responsible for: Establishing investment framework for each client Generating investment ideas, monitoring individual securities, and directing changes when warranted Reviewing client portfolios and meeting with clients Regularly communicating outlook on the market including his personally written monthly newsletters since 1998

13. Who Are We? Avital Pearlston, B.A., CFP Associate Investment Advisor Background: Over 20 years of experience in the financial services industry Roles as Financial Planner and Financial Advisor at TD Bank Responsible for: Administrative operations Trading of stocks and fixed income securities Producing regular quarterly reporting Producing Wealth Plans for our clients using our leading Investment & Wealth Planning Software

14. Who Are We? RESEARCH SUPPORT & GUIDANCE Through TD Waterhouse Private Client Services we directly access: For Portfolio and Research Support: Cynthia Caskey – Vice President & Canadian Equity Portfolio Manager; also responsible for supervising TD Waterhouse Portfolio Managers Martha Hill – Vice President & Canadian Equity Strategist Ryan Lewenza – Senior U.S. Equity Strategist Chris Dutton – Vice President & Director of Quantitative Research Other TD Canada Trust Business Partners - including: (a) TD Canada Trust Small Business Banking & TD Commercial Banking (b) TD Waterhouse Private Trust (c) TD Waterhouse Private Banking

15. Our Managed Portfolios Annualized Rates Of Return (to September 30, 2010)* -1.7% 3.60% 7.9% 5.20% S&P/TSX 60 -6.0% -0.4% 6.0% 1.50% S&P 500 (CDN $) 8.7% 18.11% 22.37% 14.43% MONTHLY HIGH INCOME PORTFOLIO 0.3% 6.37% 13.02% 8.89% BALANCED GROWTH PORTFOLIO 3-Year 2-Year 1-Year YTD

16. Our Managed Portfolios Calendar Year Rates Of Return (YTD to September 30, 2010)* 11.1% -31.20% 31.90% 5.20% S&P/TSX 60 -9.70% -22.90% 9.0% 1.50% S&P 500 (CDN $) 1.39% -17.54% 39.83% 14.43% MONTHLY HIGH INCOME PORTFOLIO 1.32% -23.02% 20.20% 8.89% BALANCED GROWTH PORTFOLIO 2007 2008 2009 YTD

17. Stock Trade Examples ** Sold American International Group (AIG) Sold at U.S.$53.71 on January 25, 2008 - for an approximately 15% loss Current Price as of close on September 30, 2010: U.S.$3.91 Change After Sale: - 93%

18. Stock Trade Examples RATIONALE for Sale of AIG: Technically - stock was breaking down below 50-week moving average and moving average was turning down Fundamentally – the U.S. financial sector was beginning to weaken by what became the subprime mortgage fiasco Catalyst - CEO backtracked on three previous news releases regarding AIG’s lack of subprime mortgage exposure and admitted they had “some”

19. Stock Trade Examples Sold Shoppers Drug Mart (SC) a) Initially trimmed 1/3 of position near all-time highs at $54.34 on September 15, 2008 to realize some gains and reduce exposure b) Sold remaining portion of position at $43.61 on November 27, 2008. Current price as of September 30, 2010: $39.99. Change After Sale : After initial sale: -26.4% After final sale: -13.7%

20. Stock Trade Examples RATIONALE for Sale of SC : Technically - despite continued positive news for the company, stock remained flat for a lengthy period of time so initially took gains to reduce exposure Fundamentally - Economic macro-picture getting worse for consumer spending leading to concern that profits would get affected Fundamentally - Concern that continued opening of new locations would result in “cannibalization” of customer base Catalyst - Sold the remaining portion as stock began to weaken

21. Stock Trade Examples Bought Alimentation Couche Tard (ATD.B) At a price of $18.17 on March 23, 2010 Current price at September 30, 2010: $23.01. Change after Purchase: +26.6%

22. Stock Trade Examples RATIONALE for Purchase of ATD.B Technically - the 50-week moving average (MA) was moving above the 200-week moving average on increasing volume Technically the stock had pulled back to it’s MA which presented a good buying opportunity Fundamentally - company remains in a solid growth through acquisition mode in a slow-growth economic environment Key Catalyst - Management has a solid track record and good discipline in not over-paying for purchases and is in the midst of a large purchase in the U.S.

23. Stock Trade Examples Bought Magna International (MG) At a price of $70.61 on July 9th, 2010 Current price at September 30, 2010: $85.69 Change after purchase: +21.4%

24. Stock Trade Examples RATIONALE for purchase of MG.A Technically - 50-week moving average (MA) was crossing above 200-week MA with strong volume supporting move Fundamentally - the auto sector has reached its low point and Magna is in a financially sound position to capitalize on the industry rebuilding itself Key Catalyst - The CEO and main shareholder was in the midst of selling his voting shares to the company for a nonvoting interest, thus potentially removing one of the historical obstacles to normalizing the stock’s discounted valuation versus its peers. That sale has now been ratified by the Ontario Courts.

25. Thank You! Any Questions?

26. The statements and statistics contained herein are based on material believed to be reliable, but are not guaranteed to be accurate or complete. This presentation was prepared by Mark Krygier who is a TD Waterhouse Investment Advisor and is for informational purposes only. It is not an offer or solicitation with respect to the purchase and sale of any investment fund, security or other product and does not provide individual, financial, legal, investment or tax advice. Please consult your own legal and tax advisor. Particular investments or trading strategies should be evaluated relative to each individual's objectives in consultation with the Investment Advisor. TD Waterhouse Canada Inc. and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered. The TD Bank Financial Group means The Toronto-Dominion Bank and its affiliated companies that provide deposit, investment, securities, trust, insurance and other products or services. These companies include: TD Waterhouse Canada Inc., TD Asset Management Inc., The Canada Trust Company and TD Waterhouse Insurance Services Inc. TD Waterhouse Private Client Services represents the products and services offered by TD Waterhouse Private Investment Advice (a division of TD Waterhouse Canada Inc. – Member CIPF), TD Waterhouse Insurance Services Inc., TD Waterhouse Private Investment Counsel Inc., TD Waterhouse Private Trust (offered by The Canada Trust Company) and TD Waterhouse Private Banking (offered by The Toronto-Dominion Bank). TD Waterhouse Private Banking is offered to clients of TD Waterhouse Private Client Services centres. TD Waterhouse is a trade-mark of The Toronto-Dominion Bank, used under license. *The Rates of returns for benchmarks are taken from TD PAIR. The Rates of returns for Balanced Growth and Balanced Income portfolios are taken from TD Waterhouse Canada Inc. Vantage software reporting from actual client portfolios fitting these descriptions, which have been managed on a discretionary basis by Mark Krygier since 2005. Rates of return prior to 2007 are not being reported herein as they were recorded during Mr. Krygier’s tenure at another financial institution. **The stock trades listed are taken from portfolios of Mark Krygier’s clients for whom he manages their portfolios on a discretionary basis at the time of the listed transactions. Trades for these accounts are done on a “bulk-trade” basis for fairness of price and timing to all clients being managed on a discretionary basis.