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Approach / Methodology <br />We have numerous industry affiliations that allow us stay abreast of industry trends <br />on behalf of our Customers. Many of our Product Mangers have been in the Financial <br />Services industry for a number of years, which affords them a unique perspective that <br />enables them to develop and enhance our product sets. <br />Keeping products current in an era of rapidly evolving technology is certainly a major <br />concern and challenge for all banks. In-house developments of technology based <br />solutions tend to delay implementation and make it difficult to enhance and upgrade <br />products. When needed, our solution at TD Bank is to seek out providers and partners <br />with the best available technology applications. Our vendor partnerships demonstrate <br />this philosophy. <br />We at TD Bank Product Management & Development will work closely with our Sales <br />partners to ensure that the City's needs are not only met, but exceeded! <br />Proposed by: TD Bank, N.A.Page 45