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Cancels plans for "inactivity fee" on unsecured lines of credit TORONTO, Jan. 30, 2009 /CNW/ - TD Canada Trust today announced a commitment to no new fees and no fee increases on personal and small business banking products for the remainder of 2009. In addition, a $35 fee on inactive unsecured lines of credit which was to go into effect at the end of April, has been cancelled. TD Canada Trust's fee commitment applies to personal banking products, including saving and chequing accounts, credit cards, mortgages and lines of credit, and all small business banking products, including saving and chequing accounts and lines of credit. "We've been listening to the concerns our customers and employees have been expressing, and we believe that this commitment is the right response in the current environment," said Tim Hockey, President and CEO, TD Canada Trust. "We recognize that times are challenging for many people right now. Holding the line on fees is one tangible way of helping." TD Canada Trust is helping customers in other ways too, by continuing to lend to individuals and businesses who need access to credit, by providing solutions for managing debt, and by offering personal financial assessments and expert advice to customers on everything from savings and investments to retirement planning. "The message we want our customers to hear is that we are here for you. If you've got financial questions or concerns, come and talk to us so we can figure things out together," added Hockey. For more information about this announcement, customers can call 877-301-9217 (English) or 877-301-9219 (French). 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 Stock Exchange and New York Stock Exchange. For further information: Kelly Hechler, Media Relations, TD Bank Financial Group, (416) 982-2469

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