U.S. P&C Banking / CORPORATE PARTICIPANTS Ed Clark TD Bank Group / TD Bank Group / MBNA / Banking Mike Pedersen TD Bank Group / Credits Cards Bharat Masrani TD Bank Group / Finance Mark Chauvin TD Bank Group / Analyst John Aiken Barclays Capital / Chief Risk Officer Tim Hockey TD Bank Group / Michael Goldberg Desjardins Securities / Ipsos / TD Canada Trust / C Banking Bob Dorrance TD Bank Group / TD BANK / JD Power and Associates / TD Ameritrade / Credit Suisse / Total PCL / Synovate / Samsung / U.S. Bank / BMO Capital Markets / Desjardins Securities / Wholesale Banking / /
Continent
North America / /
Country
United States / Canada / /
Currency
cent / USD / /
Event
Dividend Issuance / M&A / Conference Call / Employment Change / Name Change / Company Expansion / /
IndustryTerm
retail focused franchise banking model / lower technology cost / wholesale bank / retail businesses / acquisition accounting / loan accounting / branch banking / retail earning base / bank level / Insurance earnings / real estate / direct bank strategy / retail adjusted earnings / online banking / personal banking / bank / mortgage insurance rules / /
Organization
U.S. Securities and Exchange Commission / FDIC / /
Person
Gabriel Dechaine / Chris Mutascio Stifel Nicolaus / Peter Routledge / Rudy Sankovic / Mark Chauvin / Colleen Johnston / Steve Theriault / Robert Sedran / Wealth / Brad Smith Stonecap / Ed Clark / John Reucassel / Mike Pedersen / Tim Hockey / Good / Bob Dorrance / /
Position
SVP / Investor Relations Good afternoon / Group President & CEO / Chief Risk Officer / CFO & Group Head / Group Head / CEO / SVP / Investor Relations CONFERENCE CALL PARTICIPANTS / Group Head / Wealth Management / SVP / Investor Relations / CFO & Group Head / Finance / Head of Investor Relations / Analyst / Group Head & Chief Risk Officer / Private / SVP / Investor Relations Great / CFO / SVP / Investor Relations Okay / Group Head / Canadian Banking / /
Microsoft Word[removed]Q3-Transcript_E.doc