1 td bank – at a glance nesa conference october 25, 2009

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TD Bank – At a Glance

NESA CONFERENCEOctober 25, 2009

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Introduction to TD Bank• At a time when the headlines are full of stories about bank failures and

lost trust in the financial services industry, it is important to realize that not all banks are struggling. In fact, some banks are still growing.

• TD Bank is a growth company with a difference: we have and will continue to grow without taking undue risk. As a result, TD is one of the only banks in the world to avoid write-downs due to the sub-prime mortgage market, and is one of only seven banks worldwide to have a triple-A rating from Moody’s. This is the highest possible rating, and it reflects our solid financial standing. TD has no sub-prime debt and our liquidity position is one of the strongest in the industry.

• Our liquidity allows us to support the credit needs of our partners in the markets we serve, and our profitability allows us to invest in state-of-the art cash management and depository platforms to meet the growing needs of our clients.

• TD’s consistent strategy of growth without taking undue risk offers the financial security that many organizations desire, and we strive to bring this same fiscally responsible approach to each of our relationships.

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The Current LandscapeS&P Moody’s Fitch

S&P Outlook

Gross Loans/ Total Deposits

TARP Participant (Capital in Millions)

TD Bank NA* AA- Aa2 AA- Stable 56.7% No

Bank of America A+ A2 A+Watch

Negative102.5% Yes - $45,000

BB&T Corp. A A1 AA- Stable 106.4% Yes - $3,134

Capital One Financial BBB Baa1 A-Watch

Negative87.1% Yes - $3,555

Citigroup Inc. A A3 A+Watch


JPMorgan Chase A+ Aa3 AA- Negative 78.1% Yes - $25,000

M&T Bank Corp. A- A3 A- Negative 115.2% Yes - $600

PNC Financial Services A A1 A+Watch


SunTrust Banks Inc.** BBB+ Baa1 A- Negative 104.1% Yes - $4,850

Wells Fargo & Co. AA- A1 AA Negative 105.8% Yes - $25,000

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TD Bank At-a-Glance• Member of TD Bank Financial Group, a global financial services

company• Among 15 largest commercial banks in the U.S.• $126 Billion in assets / 7 Million customers in the U.S.• Safe, liquid and profitable – NO sub prime debt / NO TARP

assistance• 1,000+ ‘Stores’ from Maine to Florida…and growing!• Full service financial institution• Headquarters in Cherry Hill, NJ and Portland, ME• Relationship and convenience driven growth model• Unique WOW! culture translates to award-winning customer service

and loyal Fans• America’s Most Convenient Bank®

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TD Bank Financial Group At-a-Glance

• Top ten financial services company in North America• $500 Billion in assets / 17 Million customers globally• Robust capital, liquidity and risk management• 2,100+ ‘Stores’ in Canada and the U.S.• Trades on Toronto and New York stock exchanges

under symbol “TD”• Headquarters in Toronto• Continued investments in future growth, while managing

for efficiencies• Consistent WOW! focus creates legendary experiences

for customers • Leader in service and convenience in Canada and the

U.S.

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Our BusinessesTD Bank Financial Group

• Canadian Personal & Commercial Banking• TD Canada Trust• TD Commercial Banking• TD Insurance

• U.S. Personal & Commercial Banking• TD Bank

• Global Wealth• TD Waterhouse• TD Asset Management• TD Wealth Management

• Wholesale• TD Securities

• TD Ameritrade

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Service Excellence

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JD Power & AssociatesJ.D. Power & Associates 2006.2007,2008 J.D. Power & Associates 2006.2007,2008

and 2009 for Retail Banking Satisfaction and 2009 for Retail Banking Satisfaction Survey Survey

Commerce rates #1 in Customer Commerce rates #1 in Customer Satisfaction in the Mid-AtlanticSatisfaction in the Mid-Atlantic

4Years Running!

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Consumer ReportsConsumer ReportsPersonal Banking SurveyPersonal Banking Survey

#1 Overall Customer Satisfaction

• Key Strengths:

- Communication

- Telephone Service

- Convenience

- Online Banking

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Greenwich AssociatesGreenwich Associates5 Business Banking Excellence Awards5 Business Banking Excellence Awards

National Awards:

• #1 Overall Customer Satisfaction

• #1 Online Services

Northeast Region:

• #1 Overall Customer Satisfaction

• #1 Cash Management Excellence

• #1 Personal Banking for Executives

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Banking Services

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Not-for-Profit Model

• Unique Not-for-Profit pricing model

• Simplify bank pricing

• No Fees

• No idle compensating balances

• Earn Interest on ALL collected balances

• No deduction for float or reserves

• Improve overall Return on Investment!

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Online Banking

• TD Bank’s TreasuryDirect• Balance/transaction reporting – 365-day history• Images of checks paid – 365-day history• Deposit imaging – 365-day history• Incoming wire details• Global wire transfers• ACH Payroll direct deposit (US teachers)• Stop Payments• Positive Pay (best check fraud protection)• User ID / Password / Token protected

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Remote Deposit Capture

• Commerce RapidDeposit• Covert paper check deposits to electronic

transactions• Expedite the collection process• Funds are available the next day!• Eliminate courier costs• Eliminate mail delays• Flexible web based reports• User ID and Password protected

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Prominent Organizations Banking with TD Bank:

• Central Eastern European School Association (CEESA)• Association of International Schools in Africa (AISA)• Mediterranean Association of International Schools (MAIS)• East Asian Regional Council of Schools (EARCOS) • Near East South Asia School Association (NESA)• Association of American Schools In South America (AASSA)• Academy for International School Heads (AISH)• Association for the Advancement of International Education (AAIE)• Latin American Tri-Association (American Schools Association of Central

America, Colombia-Caribbean and Mexico)

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Thank You!Joseph D. Pereira

Vice President & Relationship Manager

2070 Chain Bridge Road, Suite 145

Vienna, VA 22182Phone: 703-663-4404

Fax: 703-663-4367Email:

[email protected]

1 td bank – at a glance nesa conference october 25, 2009

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