Exhibit 10.13




AMENDMENT
TO THE MASTER SERVICES AGREEMENT

By:

THE TORONTO-DOMINION BANK, (a Canadian chartered bank), (hereinafter referred
to as TD Bank)

-and-

TD WATERHOUSE GROUP, INC.,a corporation incorporated under the laws of the
State of Delaware (hereinafter referred to as the Company).

WHEREAS TD Bank on its own behalf and on behalf of members of the TD Group and
the Company on its own behalf and on behalf of members of the Waterhouse Group
have entered into a Master Services Agreement executed on June 28, 1999;

AND WHEREAS TD Bank on its own behalf and on behalf of members of the TD Group
and the Company on its own behalf and on behalf of members of the Waterhouse
Group have made certain amendments in writing to the Master Services Agreement
executed on June 28, 1999 (the Master Services Agreement, together with any
amendments, collectively the Agreement);

AND WHEREAS TD Waterhouse Investor Services (Canada) Inc. has purchased all of
the outstanding shares of CT Securities Inc. pursuant to a share purchase
agreement made on or about April 3, 2000;

AND WHEREAS CT Securities Inc. (CT) is, by virtue of the Share Purchase
Agreement, now a member of the Waterhouse Group as defined in the Agreement;

AND WHEREAS CT has entered into an agency agreement as of the date hereof
authorizing the Company to accept all rights and perform all obligations under
the Agreement as agent for and on behalf of CT;

AND WHEREAS TD Bank on its own behalf and on behalf of members of the TD Group
and the Company on its own behalf and on behalf of members of the Waterhouse
Group now wish to amend the Agreement in accordance with Section 7.10 of the
Agreement as hereinafter provided;

NOW THEREFORE THIS AMENDMENT WITNESSES that in consideration of the premises,
the mutual covenants and agreement hereinafter set forth and for good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties have agreed as follows:



|1. |  | Definitions. All terms which are defined in the Agreement and used but
not otherwise defined herein shall have the same meaning herein as in the
Agreement unless the context requires otherwise.
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|2. |  | Article, Section, Exhibit and Schedule References. Except as otherwise
expressly provided, a reference in this Amendment to a section,
Exhibit or Schedule is a reference to a section, exhibit or schedule
of or to the Agreement.
|-- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|  



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-2-



|3. |  | Amendment. The Agreement is amended by adding to the end of Exhibit A of
the Agreement SCHEDULE A.22 CT SECURITIES INC. SERVICES, in form and
substance as attached hereto.                                                                                                                                                                                                                                 
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|  
|4. |  | General. All other terms and provisions of the Agreement shall apply to
this Amendment, unless the context otherwise may require.                                                                                                                                                                                                                                                                            
|  
|5. |  | Master Service Agreement Confirmed. Except as specifically amended or
varied by the terms of this Amendment, each and every of the terms and
provisions of the Master Service Agreement, including its Exhibits and
Schedules, is hereby renewed and confirmed as of the date of this
Amendment and the Master Service Agreement and this Amendment shall be
read and construed as one and the same document.
|  
|6. |  | Counterparts. This Amendment may be executed by manual or facsimile
signature in counterparts, each of which shall be deemed an original but
all of which taken together shall constitute one and the same instrument.                                                                                                                                                                                       





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-3-

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed.

DATED the 13th day of April, 2000.

| |  |                                                                                         
| |  | ----------------------------------------------------------------------------------------
| |  | THE TORONTO-DOMINION BANK                                                               
|
| |  | Christopher A. Montague
________________________________
Name: Christopher A. Montague
|
| |  | Title: Executive Vice-President,
General Counsel and Secretary                          
|
| |  | ________________________________
Name:
Title:                                           
|
| |  | TD WATERHOUSE GROUP, INC.                                                               
|
| |  | Stephen D. McDonald
________________________________
Name:  Stephen D. McDonald       
|
| |  | Title: Chief Executive Officer and
Deputy Chairman                                      
|
| |  | ________________________________
Name: Title:                                           





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SCHEDULE A.22 CT SECURITIES INC. SERVICES



|1. |  | CT Securities Inc. agrees that it will on behalf of TD Securities Inc.:
|-- |  | -----------------------------------------------------------------------

(a) Permit TD Securities Inc. to use office space at the
following locations:



| |                                         
| | ----------------------------------------
| | (i) 120 Adelaide Street West
Toronto, ON

(b) Provide facilities management services, from time to time as
requested by TD Securities Inc.;

(c) Provide premises insurance, as required;

(d) Provide equipment, including telecommunications equipment,
and furniture and maintenance services;

(e) Provide access to CTSIs quote and voice communication
systems and services;

(f) Provide timely, efficient and quality equity trade execution
to TD Securities Inc.

(g) Provide securities clearing, custodial and reorganizational
services to TD Securities Inc. brokerages operations.



|2. |  | TD Securities Inc. agrees that it will:
|-- |  | ---------------------------------------

(a) Indemnify CTSI against all Losses suffered or incurred by
CTSI as a result of the use of such space by TD Securities Inc. in
respect of premises leased;



|3. |  | Compensation:
|-- |  | -------------

(a) Incremental third party expenses;

(b) A pro ratashare of department expenses to be administered:



| |                                                                                                                              
| | -----------------------------------------------------------------------------------------------------------------------------
| | (i) with respect to Subsections 1(a),(b) and (c) as
a fixed charge per square foot plus an insurance premium per
square foot;
|
| | (ii) with respect to Subsections 1(d),(e) and (f) as
agreed to by CTSI and TD Securities Inc.;                               

(c) Fees for trade clearing and associated maintenance
activities, charged on a usage basis and based upon a fee and
service schedule agreed to by TD Securities Inc. and CTSI