For everyone who is surprised that banks and other financial institutions don't mislead the public, I suggest you grow up.  To think for a minute that a bank or other institution is not in the business to make money and mislead the public with it's advertising is ridiculous. If your a investor, reading the fine print is a given, and if you can't do that, then I suggest you don't invest or buy bank products. I own all five Canadian bank stocks and I am proud of it as they consistently pay dividends and appreciate in value. I am sure Ian the CEO of TD  is really listening.