__Wednesday, April 18, 2001

An important message for TD Bank and Canada Trust
customers in British Columbia.

Building A Better Bank For You

This is the sixth update I’ve provided TD Bank and Canada Trust customers about the important changes they can expect
of TD Bank and Canada Trust into 7D Canada Trust. For over a year now, we've been working hard to build a better bank. That experience W

available to you.

Following the completion of our transition to TD Canada Trust, al our branches will open
statements, and correspondence. In fact. as of March, TD Bank customers have already
syLine™ and on the Internet with TD Canada Trust EasyWeb™ at www.tdeanadatrust.com,
as been business as usual. We thank you:

as we integrate the retail banking operations
ill soon become

on May 22nd as TD Canada Trust. wilh a new look both inside and out.

Our new name will appear on all cheques, encountered our new name on their

statements and while banking on the telephone with TD Canada Trust Ea
Although you may have noticed a few changes to these services, such as a new voice and a modified menu, mainly it h
for your patience as we make the transition to the new TD Canada Trust.

After the integration process is complete, all our customers will experience the s
offer a full range of banking services under the name Green Machine! What will not change are our h
branches, and our commitment to building a better bank for you.
Canada Trust Branches Will Be Closed On The May 19th Weekend os

In order to complete the integration to our:new TD Canada Trust systems, all Canada Trust branches will close over the weekend of May 19th in Alberta, .

British Columbia, Yukon and Northwest Territories. However, our ABMs will be.open 24 hours a day so you can withdraw funds. And while you'll be unable to access °
Internet banking over the weekend, you will still be able to bank by ‘phone 24 hours a day.

ame integrated services and a unified array of retail banking products. Our ABMs will
ours of operation — except to be extended, our people inside the

Communicating With You
If you're a Canada Trust customer, you will be sent an Accounts & Services Guide approximately 30 days in advance detailing changes you will experience as
a result of our integration. In addition, you’ll receive a new TD Canada Trust Access Card closer to the time of integration. If you're a Private Investment Counsel
client, you'll also be sent a separate mailing approximately 30 days before this business is unified. ;
We will also keep you informed about our integration progress through regular reports in our branches, on the Internet. and in updates such as this in
Canada’s newspapers. ee ate ae hag . ney . :
Integration In Your Area Follows Successful Atlantic Integration :
Atlantic Canadians were the first to experience the integration of TD Bank and Canada Trust into. 7D Canada Trust. ae aenene
. The integration process over the weekend of March 24th was a great success. A total of 63 TD Bank and Canada Trust branches now carry the few TD Canada Trust :
name. We've begin t6 deliver on our promise of building a better bank: We will continue to fulfill that promise ‘as we roll out the integration-across Canada.
Next.month, the second wave of our nation-wide integration begins when 202 TD Bank branches and 1 18 Canada Trust branches integrate in your a a

pane

‘Nationwide Integration Complete By August on an ; .
By the end of August we will have combined our retail banking operations into TD Canada Trust all-actoss Canada. SS
We've already integrated our discount brokerage operations and mutual fund arms, simplified our chequing and savings accounts packages, and integrated the ©
! And on May.31st, our Private Investment Counsel and Private Investment Management

Estates & Trusts Services operations of our two organizations into onc.
businesses will also be.combined.. a

Some Branches Will Be Consolidated ~ =
Many people have asked if we'll be consolidating any of our branches or re-locating them. Yes, we will. In your area, this will begin as carly as July. Retail bank
customers who are affected will be given at least 120 days notification. We are working hard to minimize.the impact the consolidation has on our customers and
employees, For example, when two branches with different operating hours consolidate, the new branch will adopt the longer hours of operation; We are committed
to opening new branches; this year we plan (o open at least 10 new individual branches; plus 40 new branches in retail outlets across the country.
Travelling Inside Or Outside Canada Soon? . ; ‘
If you are travelling outside Canada during the next few months, it will be important.to have your mail forwarded so you can receive notices about your accounts
and ensure your banking. is uninterrupted, If you are travelling inside Canada to areas that haven't yet been integrated, it will be business as usual when you bank,
And if you're travelling to Atlantic Canada, rest assured that you can do your banking at any TD Canada Trust branch in that iegion, —

Our Goal Is To Build A Better Bank For You
Bringing together two of Canada’s largest financial service organizations is anything but simple. We will make mistakes: Butwe will move to correct any
errors quickly, completely — and cheerfully. If you have any questions, or if you feel we are not meeting your expectations, simply. call our TD Canada Trust
Customer Information Line at 1-888-572-8924, ve
Let me close by saying how much we appreciate that 71) Canada Trust is your hank, No matter how you choose to-bank with us: in person, at an ABM, on the
telephone, or over the Internet ~ you will receive high quality service and the ongoing commilment of our employees to build a better bank for you, That's why
we are working hard to offer you the best possible banking experience in Canada.

Thank you,

ee Aid Clark a .
TD Canada Trust)

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*Trade-mark of TD Bank, Trademark of Canada Trasten Moi (yage Company.

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