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CLARICA AND TD WATERHOUSE FORM MARKETING AGREEMENT

Clarica Life Insurance Co. and TD Waterhouse Investor Services have struck a marketing agreement by which Clarica will refer customers wanting to buy or sell stocks and bonds to TD Waterhouse. Currently Clarica offers planning solutions to clients in the areas of insurance, asset allocation and mutual fund investing. Increasing demand from clients wishing to hold stocks and bonds led to Clarica form the agreement with TD Waterhouse, the company said. Once clients have been referred to TD Waterhouse, they may access their TD account through Clarica's Web site or directly through TD Waterhouse. "Our marketing arrangement allows TD Waterhouse access to Clarica's highly desirable base of potential stock and bond self-directed investors," said John See, vice chair of TD Waterhouse Group. The agreement remains subject to necessary regulatory approval and is expected to begin in January 2001.

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