TD CANADA TRUST

TD Canada Trust

TD Canada Trust provides a full range of financial products and services to personal and small business customers. As a leading customer services provider, TD Canada Trust offers anywhere, anytime banking solutions through telephone and internet banking, more than 2,600 ABMs and a network of approximately 1,100 branches across Canada.

Vision Statement: TD Canada trust visions “To Be the Better Bank”

Company Values: At TD Canada Trust, the values are:

Honesty

To build honest relationships through open communications with all people interacting with the business – from the customers, co-workers, partners and shareholder.

Integrity

To deliver excellence by acting with integrity when conducting business and by taking pride in and responsibility for the TD’s work and decisions.

Respect

To work with each other, and create an atmosphere of mutual respect.

Company Size:

TD Canada Trust provides a full range of financial products and services through its retail branch network, telephone, Internet banking, and ‘TD Green Machine’ automated banking machines.

TD Bank Group

Headquartered in Toronto, Canada, with more than 85,000 employees in offices around the world, The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group (TD). TD offers a full range of financial products and services to approximately 20.5 million customers worldwide through four key business lines:

Canadian Personal and Commercial Banking including TD Canada Trust, TD Insurance and TD Auto Finance Canada.

Wealth Management including TD Waterhouse and an investment in TD Ameritrade

Wholesale Banking including TD Securities

U.S. Personal and Commercial Banking including TD Bank, America’s Most Convenient Bank and TD Auto Finance U.S.

Market Share:

http://www.tdcanadatrust.com/planning/investing-basics/investment-options/options/mkop.jsp

TD Bank is now fifth by deposits in that retail-banking market, with a 3.6% share

TD Bank has a market cap of $70 billion, with a volume of 1,590,857 shares

Number of Employees:

The TD Bank group has a total of about 79,000 employees and over 19 million clients worldwide. As of October 31, 2011, TD had CDN $686 billion in assets. TD also ranks among the world’s leading online financial services firms, with more than 7.5 million online customers. The Toronto-Dominion Bank trades on the Toronto and New York stock exchanges under the symbol "TD".

Description of Products and or services:

TD Bank offers the following services:

Banking services:

• Keeping money safe while also allowing withdrawals when needed • Issuance of checkbooks so that bills can be paid and other kinds of payments can be delivered by post • Provide personal loans, commercial loans, and mortgage loans (typically loans to purchase a home, property or business) • Issuance of credit cards and processing of credit card transactions and billing • Issuance of debit cards for use as a substitute for checks • Allow financial transactions at branches or by using Automatic Teller Machines (ATMs) • Provide wire transfers of funds and Electronic fund transfers between banks • Facilitation of standing orders and direct debits, so payments for bills can be made automatically • Provide overdraft agreements for the temporary advancement of the Bank's own money to meet monthly spending commitments of a customer in their current account. • Provide internet banking system to facilitate the customers to view and operate their respective accounts through internet. • Provide Charge card advances of the Bank's own money for customers wishing to settle credit advances monthly. • Provide a check guaranteed by the Bank itself and prepaid by the customer, such as a cashier's check or certified check. • Notary service for financial and other documents • Accepting the deposits from customer and provide the credit facilities to them. • Foreign exchange services

Investment services Asset management Hedge fund management
Contact information:

TD Tower, 15th Floor 66 Wellington Street West

Toronto, ON M5K 1A2

Canada

+1-416-3089030 (Phone)

+1-416-9826335 (Fax)

Toll Free: 1-866-222-3456

Or by Email:

http://www.tdcanadatrust.com/customer-service/contact-us/email/contact.jsp

Website:

www.tdcanadatrust.com

Establishment Date:

Canada Trust was formerly an independent company, originally founded in 1864 as Huron and Erie Savings and Loan Society. The company was acquired by TD Bank in 2000 and adopted the new brand name "TD Bank Financial Group". The Toronto-Dominion Bank was formed on February 1, 1955 through the amalgamation of The Bank of Toronto, chartered in 1855, and The Dominion Bank, chartered in 1869.

Competitors in the market:

1. Royal Bank of Canada
2. Bank of Nova Scotia
3. Bank of Montreal
4. Canadian Imperial Bank of Commerce (CIBC)
5. ING Direct Canada
6. President`s Choice Financial
7. Business Development Bank of Canada (BDC)
8. National Bank of Canada
10. HSBC Canada

Other Locations:

TD Bank has 1,100 branches. In the United States, the company operates as TD Bank. The U.S. subsidiary was created through the merger of TD Banknorth and Commerce Bank, and serves more than 6.5 million customers with a network of more than 1,250 branches in the eastern United States.

Informational Interview

Company Name: TD Canada Trust

Contact Name and Title:

Date and Time of Interview: Jan 25 2011 3:02 PM

Questions and Answers:

1.

Q: Tell me how you got started in this field? What was your education? What educational background or related experience might be helpful in entering this field?

A: An Investment Consultant typically holds a bachelor's degree in finance, accounting, investment analysis or taxation. A Liberal arts major or a job seeker with a lower degree also may enter the field, provided he receives practical training. An investment consultant who has major managerial responsibilities, or advises clients or families with high net worth, usually has a master's degree in finance or taxation. Some wealth managers with prior public accounting experience may have certified public accountant (CPA) licenses.

2.

Q: What are the daily duties of the job?

A: An investment consultant reviews a client's personal financial statements, scales income and expense levels and evaluates the risk profile. A client's risk profile indicates whether he/she prefers risky investments such as stocks or favors less-risky assets such as bonds or Treasury notes. A private banker evaluates a client's cash availability and then recommends investment strategies based on the risk profile. A personal financial adviser also may advise a customer on tax-saving strategies. So in the end, it’s about telling the client how to investment their money, based on their capital.

3:

Q) Hiring Decision: What are the most important factors used to hire people in this work?

A) Before you can apply, banks will want and expect you to meet certain qualifications. They expect you to have good credit, no criminal record, several references that know you, employment they can check on and some basic computer skills. For most teller jobs, you should have at least a year's worth of experience providing customer service and handling and balancing cash. Sales is a major plus. We look at degrees in Accounting or banking and finance. A Bachelor of Commerce or a BBA is an advantage. Experience isn’t essential, but also an advantage. For a bank teller, you must know to work with word processing and accounting software so you need a professional training.

4:

Q) Job Market: How do people find out about your jobs?

A) Jobs at TD Bank are popular, so people continuously check our web site about job postings. Job applicants can apply online at:

http://www.td.com/careers/job-profiles/opportunities.jsp

5:

Q: What suggestions do you have to start working at TD Canada Trust?

A: Depending on the position that you wish to attain at a banking institution, you may or may not need a college degree. If you are looking for an entry level position, then you may be able to start as a teller, receptionist, or call center representative with a high school diploma. Although you do need certain other qualifications to fit the profile. You should have typing or computer skills, and previous cash register and cash handling skills are a plus. You should have a neat appearance, and professional clothing. Sales experience is also good for your resume, as selling banking products is a big part of most positions in a bank. Teller's are often required to make referrals to customer service representatives and managers because they are the first, and sometimes only personal contact that customers have with their bank. You should also be made aware that a banking institution will check your credit report when considering you for a job. While business management and accounting degrees will help you land a higher ranking position, you can also work your way up from within the company. Some banks offer in house training, although some travel may be involved.

6:

Q: What trends do you see in the industry in the next 5 years?

A: Following four very strong years of growth, revenue growth is expected to slow in 2012-2017 as volume growth slows in the real estate secured lending business and margins continue to be vulnerable to changing cost of funds and a competitive pricing environment. Revenue growth should benefit from the increased leadership position in branch hours and continued investment in our network. PCL rates as a function of loan volumes are expected to increase due to deteriorating conditions in the Canadian economy.

7:

Q)What are the Common Skills required to become an Investment Consultant?

A) Investment consultant must have great communication skills, clearly communicate the solutions with facts and figures offered.

Complete knowledge about the finance industry, equity shares, bonds, commodities, mutual funds etc., must have complete knowledge about all types of investment.

Selling skills is also important to convince the clients, if the candidate applying for this job has got prior sales experience that is definitely an advantage.

* Good general math skills and computer skills

* Mechanical aptitude & excellent hand-eye coordination required

* Must be flexible with schedule due to fluctuations in workload from day to day.

* Must be able to work holidays as required

Ability to act creatively and pleasingly to influence the decisions on the minds of clients with real time facts and figures. These are the general responsibilities and skills required to become an Investment consultant, the consultant must have at least done an Masters degree in Business or finance.

8:

Q) What are some benefits offered by working at TD Canada Trust?

A) Banks offer great benefits such as medical, dental and vision as well as many paid holidays, vacation after one year and personal days. These often include part time workers too, but check with HR first. All employees should have free checking accounts and similar discounted bank products. Don't go in with the mindset that you are getting a cool and trendy job: it is hard work. Expect to work lots of Fridays and Mondays because those are the busiest days in banking.

9:
Q) What are the chances for Career Development?

A) Chances of career growth for personal financial advisers depend on economic trends, industry developments and the employee's professional or academic credentials. A wealth manager with a bachelor's degree may improve his chances of promotion by seeking a master of business administration (MBA) degree in finance or a certified financial manager (CFM) designation. A competent and productive personal financial adviser may move to a senior role within two to five years.

10:

Q) What are the Working Conditions for working at TD Canada Trust?

A) Personal financial adviser's work schedule is flexible, but it usually depends on business needs and clients' schedules. A private banker holding significant managerial duties within a firm may have a standard 9-to-5 work shift. An investment consultant also could travel periodically to meet with clients. For example, a New York-based investment consultant may fly to Europe to meet with a businesswoman with high net worth who wants to buy real-estate assets in the Midwest.