The Terrace Standard, Wednesday, April 18, 2001 - Al3

Merger Update #6 fae sas

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

- vst iasaaon ACTOSS Canada,

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 as we integrate the ;
retail banking operations of TD Bank and Canada Trust into 7D Canada Trust, For aver a year now, we've been working hard to build a better
bank. That experience will soon become ayailable to you.

Following the completion of our transition to TD Canada Trust, all our branches will open on May 22nd as TD Canada Trust, with a new look
both inside and out, Our new name will appear an all cheques, statements, and correspondence. In fact, as of March, TD Bank customers have
already encountered our new name on their statements and while banking on the telephone with TD Canada Trest EasyLine™ and on the Internet
with TD Canada Trust Easy Web™ at www.tdcanadatrust.com. Although you may have noticed a few changes to these services, such asa
new voice and a modified menu, mainly it has been business as usual. We thank you 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 same integrated services and a unified array of retail banking
products, Our ABMs will offer a full range of banking services under the name Green Machine* What will not change are our hours of operation ~.
except to be extended, our people inside the branches, and our commitment to building a better bank for you,

Canada Trust Branches Will Be Closed On The May 19{h Weekend

In order to complete the integration to our new 7D 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.

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 i in updates.such as

this in Canada’s newspapers.
Integration In Your Area Follows Successful Atlantic Integration

Atlantic Canadians were the first to experience the integration of TD Bank and Canada Trust into TD Canada Trust.
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 y the
new TD Canada Trust name. We've begun to deliver on, our promise of: building a betier bank. We will continue to fulfill that promise as we roll out:

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‘Next month, the second wave of our 1 nation-wide integration begins when 302 TD Bank branches and 118 Canada Trust branches integrate in your 3 area, _

Nationwide Integration Complete By August

By the end of August we will have combined our retail banking operations into 7D Canada Trust all across Canada,

We've already integrated our discount brokerage operations and mutual fund arms, simplified our chequing and savings accounts packages,
‘and integrated the Estates & Trusts Services operations of our two organizations: into one. And on May 31st, our. Private Investment Counsel a and.
Private Investment Management businesses will also be combined. ae

Some Branches Will Be Consolidated

Many people have asked if we'll be consolidating any of our branches or re- e-locating them: Yes, w we will In your area, this will begin a as 5 early.
as July. Retail bank customers who are affected will be given at least 120 days. notifi cation. 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 to open at least 10 new individual branches,
plus 40 new branches in retail outlets across the country.

Travelling Inside Or @utside Canada Soon?

If you are travelling outside Canada during the next few months, it will be important to fiave 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 region.

Qur Goal Is To Build A Better Bank For You . . a -
Bringing together two of Canada’s largest financial service organizations is anything but simple. We will make mistakes. But we 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. |
Let me close by saying how much we appreciate that TD Canada Trust is your bank. 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 commitment of our ermployees 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.

Ed Clark
TD Canada Trust . .