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This newsletter is brought to you by TD Waterhouse Canada Inc. — Member CIPF ("TD Waterhouse") for informational purposes only. You should evaluate your investment trading strategies against your investment objectives. Articles are not intended to provide legal, tax, or investment advice and this newsletter should not be construed as being legal, investment, or tax advice to anyone. Neither TD Waterhouse nor The Toronto-Dominion Bank ("TD Bank") will be liable for any damages or losses in any way related to this newsletter or for any information relating to the investment of any security such as ratings, analysis on rates of return or any other measurement of performance. TD Waterhouse and TD Bank and/or its officers, directors, affiliates, subsidiaries or representatives may hold some of the securities mentioned herein and may from time to time purchase and/or sell same on the stock market or otherwise. All third-party products and services referred to or advertised in this newsletter are provided by the company or organization named. While TD Waterhouse does not specifically endorse any of them, TD Waterhouse makes the third-party products and services referred to available as a convenience to its customers only and is not liable for any claims, losses or damages however arising out of their purchase or use. Some of the products or services listed are Registered Trade-marks and are the property of their respective holders.

The information in this newsletter is current as of November 15, 2009.