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• 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 tripleA 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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TD Bank NA*
Bank of America
BB&T Corp.
Capital One Financial
Citigroup Inc.
JPMorgan Chase
M&T Bank Corp.
PNC Financial Services
SunTrust Banks Inc.**
Wells Fargo & Co.
S&P
AA-
A+
A
BBB
A
A+
A-
A
BBB+
AA-
Aa2
A2
A1
Baa1
A3
Aa3
A3
A1
Baa1
A1
Moody’s
AA-
A+
AA-
A-
A+
AA-
A-
A+
Fitch
A-
AA
S&P
Outlook
Stable
Watch
Negative
Stable
Watch
Negative
Watch
Negative
Negative
Negative
Watch
Negative
Negative
Negative
Gross Loans/
Total Deposits
56.7%
TARP Participant
(Capital in Millions)
No
102.5% Yes - $45,000
106.4%
87.1%
Yes - $3,134
Yes - $3,555
86.2%
78.1%
115.2%
88.1%
104.1%
105.8%
Yes - $49,034
Yes - $25,000
Yes - $600
Yes - $7,579
Yes - $4,850
Yes - $25,000
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• 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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• 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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TD 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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7

J.D. Power & Associates 2006.2007,2008 and 2009 for Retail Banking
Satisfaction Survey
Commerce rates #1 in Customer
Satisfaction in the Mid-Atlantic
4Years
Running!
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Personal Banking Survey
#1 Overall Customer Satisfaction
• Key Strengths:
- Communication
- Telephone Service
- Convenience
- Online Banking
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5 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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• 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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• 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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• 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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• 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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Joseph D. Pereira
Vice President & Relationship Manager
2070 Chain Bridge Road, Suite 145
Vienna, VA 22182
Phone: 703-663-4404
Fax: 703-663-4367
Email: Joseph.Pereira@yesbank.com
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