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DURABLE POWER OF ATTORNEY FOR FINANCES AND HEALTH CARE PROFESSIONAL

increased to 49.2 million from 35.0 million in 2000, according to a 2017 U.S. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.In 2016, the number of adults aged 65 and older in the U.S. You can get a copy of this brochure by visiting a TD branch or by calling one of our contact centres. If you or your attorney has additional concerns, you can follow our complaint handling process which is available at td.com/to-our-customers/resolving-your-problems/comments.jsp and in the TD brochure, If you have a problem or concern. If we do not accept the POA or the instructions your attorney provides, we will, where appropriate, provide you or your attorney with the details why and, where appropriate, we will recommend how the issues may be resolved.

your attorney's instructions are in conflict with one or more of our policies or procedures.

your attorney’s instructions do not appear, in our judgment, to be in your best interest or we have concerns about potential financial abuse or.

your attorney’s instructions are outside the terms of the POA.

the POA provided does not meet the applicable provincial or territorial requirements (e.g.

we cannot verify your identity or that of your attorney.

In some circumstances, we may not be able to accept the POA or allow the attorney to complete the transaction requested, or we may not follow the attorney's instructions.

If the POA and the instructions are acceptable to us, we will need to collect personal identification from your attorney and, in some cases, from you as our customer, to meet our obligations to identify you.

We will provide you with an estimate of the time we need to complete the review. In these circumstances, we will let you or your attorney know that we are reviewing the POA further.

Our response times can be longer if the attorney’s instructions or the POA raises more complex issues.

If we require further review, we will provide your attorney with the anticipated timeframe we require to complete the review.

In some cases, we may require our staff to consult with other groups within TD for further review.

We will review the POA to confirm it is valid and review the instructions provided by the attorney under your POA.

DURABLE POWER OF ATTORNEY FOR FINANCES AND HEALTH CARE PROFESSIONAL

We may require you to provide us with an original or notarized copy of the POA (if it has been prepared by a legal professional or otherwise) or the TD POA form, if you use one of our forms.If there is more than one attorney named in your POA, the POA should say whether the attorneys must act together (jointly) or if they can act separately (severally).You can appoint more than one attorney in the same POA and you may appoint a substitute attorney who will become your attorney if the original appointed attorney is not able to act for reasons like their own death or their own mental incapacity.You can cancel a POA at any time, so long as you have the mental capacity to do so, and you follow the applicable provincial or territorial laws that apply to cancelling a POA.

You can continue to make decisions about your finances even when you have a POA in place, as long as you have the mental capacity to do so.The attorney must act in your best interests to make decisions about your financial matters. Your attorney does not need to be a lawyer, but should be someone you trust.A POA can apply for a specific or unlimited period of time, and depending on what the POA says, it can also cover the period after you become incapable of managing your own financial affairs.A POA is a legal document that you sign to give another person the authority (legal ability) to make decisions about some, or all of your financial affairs, which may include accounts you have with us.