FORM 6-K
SECURITIES AND EXCHANGE COMMISSION
450, 5TH STREET
WASHINGTON, D.C. 20549
REPORT OF FOREIGN PRIVATE ISSUER
PURSUANT TO RULE 13a-16 OR 15d-16 OF
THE SECURITIES EXCHANGE ACT OF 1934
For the month of November, 2002.
The Toronto-Dominion Bank
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(Translation of registrant's name into English)
P.O. Box 1, Toronto Dominion Centre,
Toronto, Ontario, M5K 1A2
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(Address of principal executive offices)
Indicate by check mark whether the registrant files or will file annual reports
under cover Form 20-F or Form 40-F.
Form 20-F Form 40-F /X/
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Indicate by check mark whether the registrant by furnishing the information
contained in this Form is also thereby furnishing the information to the
Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.
Yes No /X/
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If "Yes" is marked, indicate below the file number assigned to the registrant in
connection with Rule 12g3-2(b): 82-
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THIS FORM 6-K IS INCORPORATED BY REFERENCE INTO THE REGISTRATION STATEMENT ON
FORM F-3 OF THE TORONTO-DOMINION BANK DATED FEBRUARY 21, 2002.
FORM 6-K
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.
THE TORONTO-DOMINION BANK
DATE: November 13, 2002 By: /s/ Norie C. Campbell
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Name: Norie C. Campbell
Title: Associate Vice President
FORM 27
MATERIAL CHANGE REPORT
ITEM 1. REPORTING ISSUER
The Toronto-Dominion Bank (the "Bank")
P.O. Box 1
Toronto-Dominion Centre
Toronto, Ontario
M5K 1A2
ITEM 2. DATE OF MATERIAL CHANGE
November 4, 2002
ITEM 3. PRESS RELEASE
A press release was issued on November 4, 2002 and provided to
Canadian stock exchanges, securities regulators and financial
news media.
ITEM 4. SUMMARY OF MATERIAL CHANGE
See Item 5.
ITEM 5. DESCRIPTION OF MATERIAL CHANGE
The Bank will split its corporate lending business into "core"
and "non-core" relationships. The "core" business will be for
on-going relationships and the "non-core" business will be for
relationships we intend to exit. The Bank announced that it will
increase its loan loss provisions for the fourth quarter from
Cdn $175 million to Cdn $350 million. It announced that it will
take a one-time provision in the quarter of Cdn $600 million.
ITEM 6. RELIANCE ON SECTION 75(3) OF THE ACT
Not applicable.
ITEM 7. OMITTED INFORMATION
Not applicable.
ITEM 8. SENIOR OFFICER
Christopher A. Montague, Executive Vice President, General
Counsel and Secretary of The Toronto-Dominion Bank, is a
senior officer of the Bank and is knowledgeable as to the
details of this material change report. Mr. Montague can be
contacted at (416) 308-6963.
ITEM 9. STATEMENT OF SENIOR OFFICER
The foregoing accurately discloses the material change referred
to herein.
DATED at Toronto, November 13, 2002.
THE TORONTO-DOMINION BANK
By: "Christopher A. Montague"
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Christopher A. Montague, Executive Vice
President, General Counsel and Secretary