First, I take offense to loan shark being used as a pejorative adjective. Loan sharks provide a service of lending money to people who need it fast and who don't have access to traditional credit. They charge very high rates for this but so what? That is what the service costs and no one forces you to go to them. As someone who has used them I can say I was happy with their service.

That brings us to high risk lenders like VFC. They also provide a service -- lending to people who are high credit risks. Again no one is forcing you to use their service. Again the terms and conditions are made clear to someone who takes the time to understand what they are getting involved with. If you don't understand a contract don't sign it. There seems to be this mentality that people have a right to credit -- you don't. Lenders are in this to make a profit and they have every right to charge whatever interest rate they feel is necessary to maximize profit. Someone doesn't like it then don't have to borrow,

Well... that's why I posted this...
VFC aren't loan sharks... they serve the high risk car loan market place.
If people have bad credit, VFC at least gives them a chance.

It's the responsibility of the debtor to pay the bills on time.. or make suitable arrangements.

VFC have systems in place to deal with high risk loan clients... and that's probably why you term them loan sharks.

I think every Canadian needs to wake up.
When the Big Banks/Government are in bed with loan sharks we need to come together and fight back.

As a result, TD now owns in total 16,709,669 common shares of VFC, representing approximately 99.99% of the outstanding common shares of VFC.
About VFC

TD Bank acquires additional VFC Inc shares

With its focus on non-prime automotive purchase financing, VFC is one of the largest Canadian-owned indirect consumer finance companies in Canada. VFC's loans originate through its network of more than 2,000 pre-qualified automobile dealers connected by a Web-based technology that provides for efficient financing decisions. Founded in 1994, VFC has proven itself as a reliable source of credit to customers and an invaluable business partner to automobile dealers and retail vendors nationwide. Independent analysts value the Canadian non-prime automotive finance market at approximately $4 billion per annum. For further information, see the company's website at www.vfc.ca.

About TD Bank Financial Group

TD and its subsidiaries are collectively known as TD Bank Financial Group. TD Bank Financial Group serves more than 14 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking including TD Canada Trust; Wealth Management including TD Waterhouse and an investment in TD Ameritrade; Wholesale Banking, including TD Securities; and U.S. Personal and Commercial Banking through TD Banknorth. TD Bank Financial Group also ranks among the world's leading on-line financial services firms, with more than 4.5 million on line customers. TD Bank Financial Group had CDN$384 billion in assets, as of January 31, 2006. TD trades on the Toronto and New York Stock Exchanges under the symbol "TD".

TD Bank acquires additional VFC Inc shares

Important Legal Information

This communication is being made in respect of The Toronto-Dominion Bank's offer to purchase all of the outstanding common shares of VFC Inc. In connection with the offer, The Toronto-Dominion Bank has filed a registration statement on Form F-8 (containing an Offer to Purchase and Circular and related documents) with the U.S. Securities and Exchange Commission (SEC). The Toronto-Dominion Bank will file additional documents with the SEC in connection with the compulsory acquisition described in this release. Securityholders are urged to read the registration statement, including any amendments thereto, and any other relevant documents, carefully because they contain important information. Securityholders may obtain copies of the registration statement, including any amendments thereto, and other filings made by The Toronto-Dominion Bank free of charge at the SEC's website (www.sec.gov). In addition, documents filed with the SEC by The Toronto- Dominion Bank may be obtained, without charge, by directing a request to TD Bank Financial Group, 66 Wellington Street West, Toronto, ON M5K 1A2, Attention: Investor Relations (416) 308-9030.

TD Bank acquires additional VFC Inc shares