The Toronto-Dominion Bank (the Bank) is a Canadian bank. The Bank and its subsidiaries are collectively known as TD Bank Financial Group (TDBFG). The Bank offers retail and commercial banking, wealth management and wholesale banking products and services. The Bank’s operations and activities are organized into four operating groups: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Insurance; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking through TD Banknorth and TD Bank; and Wholesale Banking, including TD Securities. On March 31, 2008, the Bank acquired 100% of Commerce Bancorp, Inc. (Commerce).