definition
finish
resources
submit all
volume
Bio
Check to include
Definition
Exit
FINISH
More info
Question List
Send an email
SUBMIT ALL
progress
audio
camera moved down
camera moved left
camera moved right
camera moved up
free exploration mode
guided tour mode
hotspot
hour
hours
Use the w, a, s, and d keys to move around the 360 degree image. Press the tab key to jump to interactive markers and hotspots.
360 degree image interaction
label
marker
minute
minutes
next
pause audio
pause video
play audio
play video
previous
second
seconds
%count% of %total%
step %count% of %total%
tooltip
%total% items
%total% item
progress
video
video volume
%count% of %total% items visited
%count% of %total% item visited
%count% of %total% visited
Accessible text
Background audio
Keyboard shortcuts
Zoom to fit
close video settings
full-screen video
Video Playback Settings
Off
On
Captions
video settings
mute video
Normal
pause video
picture-in-picture
play video
Playback Speed
video captions
playback speed
video volume
Captions
Comma
Continue
NEXT
PREV
SUBMIT
Playback Speed
Normal
Continue
Glossary
Terms
Action
Alt
Ctrl
Keyboard Shortcuts
Enable keyboard shortcuts
List keyboard shortcuts
Mute / unmute
Next
Play / pause
Previous
Replay
Shift
Shortcut
Submit
Toggle accessible text
Toggle background audio
Toggle captions
Toggle full-screen
Toggle zoom to fit
Menu
CC
Please rotate your device
Period
Question mark
Resources
Restart
Resume
Close
locked
next
previous
search
Skip Navigation. Hit enter to return to the slide.
slide progress
Start Course
Start Course
visited
Clear and return to Menu
Search in:
Filter
Search...
Notes
Search Results
Slide Text
Learn More
To watch this video, use the preview feature in Storyline 360, upload your published output to a server, publish to Review 360, or switch to static video quality.
Streaming video is unavailable for local playback.
Hide captions (Ctrl+Alt+C)
Show captions (Ctrl+Alt+C)
Enter full-screen (Ctrl+Alt+F)
Exit full-screen (Ctrl+Alt+F)
Mute (Ctrl+Alt+M)
Next (Ctrl+Alt+.)
pause
play
Playback speed
Previous (Ctrl+Alt+,)
replay
Search
Settings
submit
Unmute (Ctrl+Alt+M)
Autoscroll
Close
Transcript
Move window
Open
Resize window
Resume autoscroll
Select track
Show timestamps
Transcripts
Options
<Document xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Welcome to Investment Products. In this module you’ll learn about the different categories of products: Safety, Income and Growth, and the specific products/services that fall within each. 
">
<Style FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="You will be able to identify and recommend the most suitable products and services to meet a customer’s investment needs given their personal and financial circumstances, investment knowledge, time horizon, and risk tolerance.
">
<Style FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Once you have a clear understanding of your customers’ investment needs, you can then build an investment plan consisting of the suitable products and services to meet those needs. When it comes to putting together an investment plan, there are two things a typical customer will have top of mind: how to reduce overall risk and achieve more consistent returns. Watch this short video to see how a customer can achieve these. ">
<Style FontIsBold="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="
">
<Style FontIsBold="True" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontIsBold="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="There isn't a one size fits all approach to investing. A customers' investment needs will likely require a combination of one or more of the following asset types: Safety, Income, or Growth. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="When you understand your customers’ investment needs, their personal and financial circumstances, investment knowledge, time horizon, and risk tolerance, you are in a better position to help them choose the right investment products and services to help them meet their needs. Let's explore the various investment products.
">
<Style FontFamily="Arial" FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontFamily="Arial" FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="The investment objective of safety is to earn a higher rate of interest income while also preserving capital.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="Customers can choose from four safety investment options including; TDCT Guaranteed Investment Certificates, TDCT Term Deposits, TDCT Savings Accounts, TD Money Market Mutual Funds.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="The investment objective of income is to preserve capital while generating cash flow from the investment. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="Customers may choose from Provincial or Canadian Savings Bonds and TD Mutual Funds.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="The investment objective of growth is capital appreciation. Some of the investments in this class may have a risk level of ">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="moderate">
<Style FontSize="9" FontIsBold="False" FontIsItalic="True" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text=" to ">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="high">
<Style FontSize="9" FontIsBold="False" FontIsItalic="True" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="; however, they typically provide customers with the highest expected return. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="Customers may choose from TD Mutual Funds.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" ListLevel="0" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style LineSpacingRule="Single" SpacingBefore="6" SpacingAfter="6" />
<Span Text="Click on the products below to learn more.">
<Style FontFamily="Arial" FontIsBold="False" FontIsItalic="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="lt1,00" BulletChar="·" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="Savings accounts can be a safe place for customers to earn interest on their money with the flexibility of withdrawing these funds when they need them. TD offers a full range of savings account options. The interest earned from a savings account is considered interest income for the purpose of income taxes.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Start="1" Color="#000000" BulletChar="·" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Savings accounts are great for customers who:
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="13" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0">
<ListStyle ListType="Bullet" ListTypeFormat="Parentheses" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="Are looking for a safe, low-risk investment with a competitive interest rate
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="13" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0">
<ListStyle ListType="Bullet" ListTypeFormat="Parentheses" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="Have an undefined time horizon
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="13" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0">
<ListStyle ListType="Bullet" ListTypeFormat="Parentheses" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="Want flexibility to access their money when they need it
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="13" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0">
<ListStyle ListType="Bullet" ListTypeFormat="Parentheses" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="Are looking for peace of mind that comes with Canadian Deposit Insurance Corporation (CDIC) coverage. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="13" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0">
<ListStyle ListType="Bullet" ListTypeFormat="Parentheses" BulletChar="•" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Fixed Income Investments can provide a fixed-rate of return for a set period of time. A common type of fixed income investment is a bond. Bonds are issued by the Federal, Provincial or Municipal governments, and Federal crown corporations to finance long-term capital work projects and expenditures. They typically offer a higher expected return than money market investments and have a low, or low to moderate, level of risk.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Customers looking for fixed income investments are typically ">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="those ">
<Style FontFamily="Arial" FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="looking to get a moderate return and who have a longer time horizon. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Bonds are a debt instrument in which an investor loans money to an entity which borrows the funds for a defined period of time at a fixed or variable rate. Owners of bonds are debt holders, or creditors, of the issuer. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Some Government of Canada and Provincial Bonds are available for purchase to customers through TD Canada Trust.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="TD Investment Services offers fixed income mutual funds managed by TD Asset Management which may hold high-quality bonds.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="The interest or coupon rate is the predetermined amount of interest that is paid on a predetermined payment date. It is generally fully taxed as interest income when earned in a non-registered account.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Bonds can be sold on the open market prior to maturity for more or less than the original purchase price. If the bond sells or matures for a higher price they customer may realize a capital gain. If the bond sells or matures at a lower price then a capital loss may be realized. Capital gains and losses are treated differently than investment income from a tax perspective.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Let’s take a look at the features of bonds. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Bonds are listed at face value (which is the amount the bond will be worth at maturity) along with a coupon rate.">
<Style FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="The coupon rate is the interest rate the issuer will pay to the holder of the bond.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="#34B233" BulletChar="§" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="The coupon date is the date on which the issuer will pay the holder of the bond interest payments. Bonds may have different coupon frequency payment timeframes, such as annually or semi-annually.">
<Style FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="#34B233" BulletChar="§" BulletFont="Arial">
<BulletPicture Size="0x0" />
</ListStyle>
</Style>
<Span Text="The maturity date is the date on which the bond will mature and the bondholder expects to receive the face value of the bond.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Part of the safety and income family of products, TD Guaranteed Investment Certificates, or GICs and Term Deposits offer customers a safer way to save money while also offering protection for their initial deposit. These investments have a predetermined interest rate which is guaranteed by TD Canada Trust for the term of the investment.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Let’s take a look at each of them in more detail.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Most GICs are considered locked-in investments ranging from 30 days to 5 years. Generally, they cannot be withdrawn prior to maturity, which means the customer’s funds are locked-in for the specific term they have chosen. However, there are some GICs that offer customers the flexibility to withdraw prior to maturity. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="In addition, customers with longer terms can choose to have the interest earned from the investment paid to their account semi-annually, annually, or at maturity. For those customers that meet the minimum deposit requirements, there is an option to select monthly interest payments.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="The interest earned on a GIC is considered interest income for the purpose of income tax.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="TDCT Term Deposits have an investment period of 30 days to 5 years. They offer safety for the customer's principal and can be a suitable investment for customers with various savings goals, such as a major purchase, wedding costs, or retirement. They also offer a guaranteed rate of return for the period of the term and access to all or part of their funds at a pre-encashment rate, where applicable and as determined at the time of purchase.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Start="0" Color="lt1,00" BulletFont="Arial" />
</Style>
<Span Text="At TDCT we offer customers the potential for higher returns through our Market Growth GICs. These GICs offer the potential for higher returns based on a particular stock market index or indices while preserving 100% of the original investment regardless of what happens in the market. The return is subject to a maximum return set at the time of purchase for the term selected. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Start="0" Color="lt1,00" BulletFont="Arial" />
</Style>
<Span Text="Market Growth GICs are not cashable prior to maturity, which means the customers' funds are locked in for the specific term they have chosen. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Start="0" Color="lt1,00" BulletFont="Arial" />
</Style>
<Span Text="Customers who are saving for major purchase and/or looking for potential higher return than a regular GIC without taking the risk of losing their principal may be best suited for a Market Growth GIC as an investment option. ">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#1C1C1C" BulletFont="Arial" />
</Style>
<Span Text="Part of the safety family of products, money market investments are options governments and corporations can use to help them raise capital. These investments, which are generally short-term (up to 12 months) offer a fixed rate of return if held to maturity. As a result, they are typically considered an attractive safety product. The investments generally remain liquid so the customer can access his or her funds at any time. Money market investments are sold at a "discount" to the “par" (maturity) value. The difference between the discounted price and the par value amount is the interest received on the investment.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#1C1C1C" BulletFont="Arial" />
</Style>
<Span Text="
">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#1C1C1C" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#1C1C1C" BulletFont="Arial" />
</Style>
<Span Text="Sally buys a money market investment with a par value of $10,000 for $9,000. When it matures Sally will receive $10,000, earning $1,000 on her investment.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#1C1C1C" BulletFont="Arial" />
</Style>
<Span Text="
">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#1C1C1C" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Part of the growth family of products, equity investments generally refers to the buying, selling, and holding of shares on a stock exchange by individuals and firms. These types of investments typically offer the highest expected return and expose the investor to more risk. Investments available in the equity market include preferred shares and common shares.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" BackgroundColor="#000000,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="A mutual fund is a portfolio of bonds, stocks, cash, or other investable assets like money market products or other mutual funds that are selected and managed by a portfolio manager on behalf of the fund. In addition to a higher level of investment knowledge and analysis skills, the portfolio manager may have access to investments that a customer may not have access to as an individual investor.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" />
</Style>
<Span Text="Mutual Funds generally fall into four buckets. 
">
<Style FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" />
</Style>
<Span Text="
">
<Style FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="A growth fund primarily invests in equities or stocks. They have the potential to offer higher risk and higher expected returns and historically, have also experienced greater volatility along the way. The fundamental investment objective of a growth fund is to provide capital appreciation. Growth investments are most suitable for a customer saving for a long term goal such as retirement or education savings for a child. Examples of investments that may be found in a growth fund include shares in a company that are listed on a stock exchange and equity mutual funds.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Money Market Funds invest in short-term securities. They are usually highly liquid and generally have a lower level of risk. Their fundamental investment objective is to earn a higher level of interest income and at the same time to preserve capital and maintain liquidity by investing primarily in money market securities.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Income Funds primarily invest in fixed income investments such as: government and corporate bonds, mortgages, and mortgage-backed securities. The fundamental investment objective is to generate a higher level of interest income with a low to medium level of risk. As the face value of fixed income investments fluctuate on the open market, there is a potential for capital gains or losses. 
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" BackgroundColor="#000000,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="The expected returns are typically higher than those on money market funds to address the need for the potential of modest growth geared toward saving for a shorter term goal.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" BackgroundColor="#000000,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" BackgroundColor="#000000,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="Balanced funds are investments that may be a combination of two or three of the mutual fund buckets (Money Market, Income and Growth). Their fundamental investment objective is to provide income and long-term capital growth. Balanced funds may appeal to investors who are just starting to invest and may not be able to contribute to a diversified portfolio of several funds, or who prefer the simplicity of investing in a single fund solution.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="
">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="You just looked at the different types of investment products that can be used to build an investment plan. When choosing from the various investment products/services a customer will want to be mindful of the tax implications specific to each. Let’s watch this short video that explains the three different types of investment income customer’s can earn and how they are taxed. ">
<Style FontIsBold="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="
">
<Style FontIsBold="True" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontIsBold="True" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="There will be times when you will encounter customers with more complex investing needs. These customers would benefit from specialized advice from our Wealth Advisors. Look at this video that will show you the different products and services they offer. ">
<Style FontIsBold="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
<Span Text="
">
<Style FontIsBold="True" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontIsBold="True" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="In this module you learned about the different categories of products: Safety, Income and Growth. You will be able to identify and recommend the most suitable products and services to meet a customer’s investment needs given their personal and financial circumstances, investment knowledge, time horizon, and risk tolerance.
">
<Style FontSize="9" FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style FontSize="9" FontIsBold="True" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" />
</Style>
<Span Text="You will be presented with scenarios that will test your knowledge regarding Investment Products. Score 80% to complete the module.
">
<Style FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="">
<Style ForegroundColor="dk1,00" LinkColor="dk1,00" />
</Span>
</Block>
</Content>
</Document>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<Content>
<Block>
<Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" CustomTabStops="" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6">
<ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" />
</Style>
<Span Text="You will be presented with scenarios that will test your knowledge regarding Investment Products. Score 80% to complete the module">
<Style FontIsBold="False" FontIsItalic="False" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="lt1,00" LinkColor="lt1,00" />
</Span>
<Span Text=".">
<Style FontIsBold="False" FontIsItalic="True" FontIsUnderline="False" FontIsStrikeout="False" ForegroundColor="lt1,00" LinkColor="lt1,00" />
</Span>
</Block>
</Content>
</Document>