2002 Annual Materials

RNS Number:4611G
Toronto-Dominion Bank
22 January 2003


                 TD BANK FINANCIAL GROUP 2002 ANNUAL MATERIALS

TORONTO, January 21, 2003 - TD Bank Financial Group today announced that an
online version of its 2002 Annual Report and Annual Information Form would be
posted online at www.td.com on Friday, January 24th, 2003.

TDBFG also announced that the printed version of the 2002 Annual Report and
annual meeting proxy materials would be mailed to common shareholders of The
Toronto-Dominion Bank beginning the week of Monday, February 24th, 2003.


                                     - 30 -

About TD Bank Financial Group

The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank
Financial Group. In Canada and around the world, TD Bank Financial Group serves
more than 13 million customers in three key businesses: personal and commercial
banking including TD Canada Trust; wealth management including the global
operations of TD Waterhouse; and a leading wholesale bank, TD Securities,
operating in over 20 locations in key financial centres around the globe. TD
Bank Financial Group also ranks among the world's leading online financial
services firms, with more than 4.5 million on-line customers. TD Bank Financial
Group had CDN$278 billion in assets, as at October 31, 2002. The
Toronto-Dominion Bank trades on the Toronto and New York Stock Exchanges under
the symbol "TD".


Futher Information:

John McNeil, Senior Manager

External Communications

TD Bank Financial Group

416-944-7161


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