Overview of our team and our updated performance numbers

1. TD Waterhouse
KRYGIER WEALTH MANAGEMENT
PERFORMANCE UPDATE
03 . 31 . 2013

2. 2
TD Waterhouse
KRYGIER WEALTH MANAGEMENT: Who are we?
Directly managing over $140 million of individual client portfolios
Portfolio Manager: Mark J. Krygier, LL.B, CFP Vice President
TD Waterhouse
– Over 16 years advising clients, licensed Portfolio Manager since 2003
Associate Investment Advisor: Avital Pearlston, B.Comm, CFP
– Over 20 years in the investment industry, primarily with TD Bank Group
Investment Representative: Megan Thomson, MBA
– Over 12 years in the investment industry
Direct access to TD Waterhouse equity and fixed income analysts

3. 3
TD Waterhouse
KRYGIER WEALTH MANAGEMENT: Our Approach
Focus on high-income generating investments – historically the
most stable returns.
Lower risk approach - has produced lower than average volatility.
Well-diversified portfolios - in order to lower risk exposure to any
one investment.
Regular communication – we are available for daily communication,
and we provide written monthly market updates as well as
comprehensive individualized quarterly reporting.

4. 4
TD Waterhouse
13.2%
15.5%
3.3%
2.3%
YTD
n/an/a8.2%10.0%16.5%TOTAL RETURN U.S.
PORTFOLIO (90%/10%)
16.1%
6.7%
9.1%
1-Year
1.5%11.5%4.0%-2.1%S&P/TSX 60 CDN Index
5.6%14.6%12.7%13.8%S&P 500 US Index
10.4%18.8%10.1%6.6%TOTAL RETURN CDN
PORTFOLIO (75%/25%)
5-Year4-Year3-Year2-Year
Krygier Wealth Management
TOTAL RETURN Managed Portfolios
Annualized Rates Of Return (In CDN $)
(to March 31, 2013)*

5. TD Waterhouse
Krygier Wealth Management
TOTAL RETURN Managed Portfolios
Annualized Rates Of Return
(to March 31, 2013)*
0
5
10
15
20
1-Year 3-Years 5-Years
CDN Portfolio
TSX60
US Portfolio
S&P500

6. 6
TD Waterhouse
Krygier Wealth Management
TOTAL RETURN Managed Portfolios
Calendar Rates Of Return (In CDN $)
(to March 31, 2013)*
n/an/an/a**1.5%5.1%15.5%TOTAL RETURN U.S.
PORTFOLIO (90%/10%)
13.2%
3.3%
2.3%
YTD
12.7%
8.1%
10.1%
2012
2.1%
-9.1%
6.35%
2011
-31.20%31.90%13.80%S&P/TSX 60 CDN Index
-22.90%9.0%9.0%S&P 500 U.S. Index
-17.58%36.51%17.04%TOTAL RETURN CDN
PORTFOLIO (75/25 mix)
200820092010

7. 7
TD Waterhouse
Krygier Wealth Management
TOTAL RETURN Managed Portfolios
Calendar Rates Of Return
(to March 31, 2013)*
-40
-30
-20
-10
0
10
20
30
40
2008 2009 2010 2011 2012 YTD
CDN Portfolio
TSX60
US Portfolio
S&P500 (CDN $)

8. 8
TD Waterhouse
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.
KRYGIER WEALTH MANAGEMENT consists of Mark J. Krygier, Vice President & Portfolio Manager, Avital Pearlston, Associate Investment
Advisor and Megan Thomson, Investment Representative. Krygier Wealth Management is part of TD Waterhouse Private Investment Advice.
* THE RATES OF RETURN for benchmarks are taken from TD PAIR. The rates of return for the Total Return discretionary managed portfolios
are taken from TD Waterhouse Canada Inc. Vantage software reporting from actual client portfolios. The Canadian portfolio holds an
approximate asset mix of 75% equity (common stock), and 25% fixed income (preferred shares and/or bonds) and . The U.S. portfolio holds an
approximate asset mix of 90% equity and 10% fixed income.
** The Canadian Total Return portfolio has been managed on a discretionary basis by Portfolio Manager Mark Krygier since 2005 and the U.S.
Total Return Portfolio since February 2010. Rates of return for the portfolio are not being reported herein for the years prior to 2007, as they were
recorded during Mr. Krygier’s tenure at another major financial institution. Note that the rates of return for the Total Return managed portfolios
are reported net of fees, while the benchmark returns are reported gross of fees. No representations are being made that any client portfolio will
achieve returns similar to the performance of the Total Return portfolios shown herein. Investors should not take this example or the performance
returns as an indication, assurance, estimate or forecast of actual or future results. Actual performance results may differ materially from the
performance returns shown herein for reasons, but not limited to, investment restrictions and guidelines, the inception date of a client portfolio,
fees, timing excecution and fluctuations in the market.