Broward County

Your Financial Relationship Guidebook

Contacts: Ramkalawan m
amela
amela.R mkalawan TD.co

Date: December 17, 2019

ml
Treasury Services
Discuss any services listed in the Treasury Services Scope of Services that are unable to
provide and if the bank is actively looking to provide those services {include timeframe).

-TD Bank has the ability to provide the services required by the County .

Discuss how your bank will address the Recoupment Charge {aka FDIC Charge): What the
rate will be, how it will be assed, what it is tied to, if it can change without notice.

- Unlike most financial institutions, TD Bank does not assess an FDIC charge to
Government clients. Broward County wi ll not incur any recoupment charges related to FDIC
insurance coverage of its deposits during the contract term . Given Broward County's sign ificant
average balances, TD Bank provides a substantial benefit to the County by absorbing th is cost.

CLIENT ANALYSIS STATEMENT

SERVICE DETAIL
--
S vc A FP S•rvic• Unit
O•~crlpiion ~

I IAl,118 000230 RECOUPMENT t,IONTHLY 18

BALANCE & COMPENSATION INFORM A TION
0 12750 180 038 69 23,009 68
23.069.65
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Treasury Services
Discuss your proposal for structuring bank accounts to maximize the Earnings Credit Rate
(ECR) and Interest earnings. If the ECR and/or interest rate is tied to an underlying
benchmark, explain the timing of the impact when the benchmark changes. If it is an
internally managed rate, explain how a change occurs. Provide an example using an
average positive collected balance of $200,000,000 and gross bank fees of $50,000
(rates as of November 1, using 30 day period). Include the bank's requirement {if any)
for a reserve balance. Show how much of the balance would be required t o cover fees and
the interest earnings on the rema i nder.
II!] B a nk

2019 Pridng Profom1a ~Municipal Advan tage O , ecking

PrepaN!d for: Oate (HWOO!YfYY): 1!/21/::01;
Brow ard Cou nty Soard o f County Commission ers
Pet Evaluation Committee·~ , ea~ of s.200,000,000.00 Average Collected Balanc~ and .SS0,000 f-.
0..,.,"S h Ye--1: 365
D.ys "' Poncd: 30

.-.,,.,~g• L.dgt r B~bn« 200,000.000.00

!AU;Es:,_..,.,odRo.,t 0.00:-.
Av• n 9• Collecud ~br>e« 200.000.000.00
loi:s: R,q"'rt<i Rtwvt R... o.oo-.
lnYtitabk ~l•n<• 200, 000.000.00
\AU! l_,,,.:,lo S.~a-s lttc_ .., :X, ()i'.A( Se-,,c,,s 3! t 96,SS1.;:o
ln,-tabk ~lanc,o uc.-ss (o.f10t ) 16&.60) 418..80

Av1ila.b~ for Eammgs Cred..lt

8,,a~n,ce-s ( '-:,.ig( d e.., ~ l"«r.t-~ y-_., 200.000,000.00
Eaming-j Cr+drt Allowance 320,~7.9~
LM11 Tcu Al\jr--1 S.,,,<e< !.0.OOl.00

• Total 4nalyud Cll.lNJH

Tot~I Fe. 8~.s,ed Ch~tgH •
Tot•I Ch..-9es Out

168.803 •1 8.$0

Toul H on'thlv Intfffft Umed 270. ~ 7.9S

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Treasury Services
Account Structure
TD Bank proposes our Municipal Advantage product to Broward County to maximize ECR earnings
and earning on excess balances not needed to cover the cost of banking services. With TD Bank's
Municipal Advantage, Broward County will earn an aggressive ECR on all collected balances.
Earnings credits are amassed until service fees are completely covered. Based upon an average
collected balance of $200 million, TD projects that $31,196,581.20 in balances wou ld be needed to
cover fees assuming an ECR of 195bps. Balances exceeding $168,803,418.80 receive hard-dollar
interest. Assuming an interest rate of 195bps, Broward County would earn $270,547.95 in interest
monthly.

Rate Benchmarking
11
At TD Bank, we utilize a "managed rate approach to setting earnings credit rates and interest
rates. Rate changes are based on movement within market indices such as Fed Funds and 30 day
LIBOR.

Reserve Requirement
TD Bank is not assessing a "reserve requirement' to Broward County which frees up 10% of average
collected balances for additional earning credits and interest earnings.

Balance Required to Cover Fees

[J>ased upon average balances of $200 million and monthly fees of $50,000.00, Broward County
would need to keep $31,196,581.20 in compensating balances to cover all fees.
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Treasury Services
Please speak to the bank's ability to interface with the PeopleSoft Treasury /Cash
Management Modules.

TD eTreasury also offers a wide array of industry standard and customizable formats for download
that are compatible with the PeopleSoft ERP platform, including:
• BAI
. csv
• XM L
• PDF
• Word
• Excel
• PowerPoint
• QuickBooks
• Quicken
• Tab separated


Lockbox Services
Please describe your lockbox processing service from end-to-end. Include
each step from mail pickup to bank deposit.

Transaction Processing Overview

 Receive unsorted
mall unique Zip mall
 Remove envelope
contents
• Capture
transactions on
• Manually Key I
Correct cnec1< 1
• Retrieve completed
batcnes from
trom PO scanning equipment Coupon l·J liq Line & outbound mail Dins
 Review contents Amount Data
• Receive s·o rted
Caller Box mall from as per customer • separate cnecKS • va1coate pacJcage
Ute PO specific
instructions
ano invoices • Balance batches contents via barcode
tractcmg
• Manually place maIr
into customer  Prep contents as
• Stage work tor
return to producuon
• Manually key
invoice oata 11eIcs • Generate packaging
specific In bouno per customer noor 11 required tabel rrom system
staging bins specific II ReassocIate cneck

 Sort unique Zip rnaII

requirements • Stage work for
retention
pnotocopIes to
cnvo,ces
• Complete pac1eagIng
sIgno1t
by LOCl<bOX 1D Via  Manually review requirements
automated mall ano vahoate payee • Generate oaIcn &
oeposit repons
• Manually QC
package conlents ror
sor1Ing equipment detaII
accuracy
• Manually move  Create 0aIcn !or • Place completed
sone<l Unique Zrp
marl into customer
image capture batcnes In
customer specI1Ic
• Forward package tor
dellvery {UPS or 1"
specIf;c In bound outoouno ma,I bins cIassma1I)


stag ing bins
• Open & 0ISl(Ibute
Caller Box mail ror
processing

 All incoming mall

removeo lrom
staging bins and
assigned lo
processors
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Lockbox Services
Please describe the differences in your wholetail lockbox operations and retail
lockbox operations.

-Both types of transactions are integrated into a single workflow and processed in the
same environment.
-Automated and manual capture of account information is available in the integrated
workflow .
-High and low speed capture equipment has been integrated to allow for optimal
capture and processing of retail and wholetail transactions.
-Note the manual nature of wholetail vs the automation in retail with
extraction/capture equipment and utilization of the scan line. Also noting we use
a single platform where we have the flexibility to apply the relevant workflow steps
to ensure maximum workflow efficiency and controls. As an example we apply batch
prep to wholetail but not retail. (Batch prep in wholetail referencing the manual
keying of each check amount to replace the scannable coupon available in a retail
D environment), same with payee validation, etc. Also note that from a physical control
perspective it's a single area with consistent controls .
ml
Lockbox Services
Describe any customizations and/ or value-added services which can be provided as
part of your lockbox services.
Ability to handle payments based on customer specific business rules through
customized edit programs
TD lockbox develops customized workflows based on customer requirements and a
careful assessment of back office needs. We'll work closely with Broward County to
develop the most efficient workflow which would include customization
requirements.

Please provide an overview of the tools available to your lockbox customers for
things such as online decisioning, reporting, file uploads, etc.
Online decisioning is a secure web based service that allows the County to view
exception items on a daily basis. The County will have the ability to provide missing
payment information as well as dispositioning each transaction.
Lockbox reporting is available through a variety of options including; on line web
solution, daily email notification, delivery of document packages, or daily
• transmission of lockbox details.
ml
Lockbox Services
If a local lockbox processing location is not available to Broward County, please
describe the components of the non-local solution provided. Include all touch
points, estimated transaction float time and steps taken to mitigate delays in
processing.

-Unique zip from the Philadelphia Post Office allows for better mail availability due to
reduced postal sorting.
-TD Bank's Mt. Laurel, New Jersey Lockbox processing facility provides an enhanced
workflow design.
-Extended processing hours at this location.
-Full and part time staff to support peak processing periods.
-Utilizing the Mt. Laurel facility adds one day for mail float {3 days versus 2 days for
local mail) to the process. However, TD Bank provides for next day availability of
deposits. Additionally, we process and post all work on the day of receipt.

•
 el
Safekeeping Services
Please describe the process for submitting third party transactions in order to properly
receive and post the trade transaction.

TD Wealth accepts dai ly instructions from Investment Managers, contingent upon written cl ient
authorizat ion and establ ished internal procedures, v ia t elephone, fax, or ema il .

Security transactions are settled on a contractual basis.

Upon receipt of proper instructions, TD can al locate a single "block" trade over multiple County
accounts .

All maturities, interest and dividends are posted on payable date

TD Bank will provide daily confirmation for purchases, maturities, and sa les. These confirmations
include but are not limited to transaction det ail, par value, purchase price, and security description with
the CUSIP number.

Following below is a sample confirmation: security transaction advice - the County has the ability to opt
in or out.

•
ml
Safekeeping Services
TD Wealth NEW ADDRESS OR NAMf

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pt[ ASt AOtNOW'l.tcGt YOUR APmOVAl OF 'rrlE !tNCSlMtHi
TRAHS1oCT10~ OlSC~US£D HEFIEIN SY 0AllNG, StGN«NG ANO
Anv~NNG ONE COPY 0~ nas rOfW.

Al'l'ROVEO: _ _ _ _ _ _ _ _ __
ADVICE OF SECURITY ACTMTY

TO Wealth
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TO V/•ilJI'\ t.\¥ •;1:me,,1 t~f lof
T't'f l 0tor1~11,.or, G,nl
AD VICE Of SCCURflY ACTMTY
ml
Safekeeping Services
Please describe any value-added services provided with the platform used, such as
reporting tools.

As Custodian, TD Ba nk, N.A. safeguards cash and securities, executes investment instructions, and
collects and disbu rses funds pursuant to a governing custodian agreement. Our comprehensive
range of services includes :

Settlement of directed investment transactions in permitted securities including accurate pu rchase

or recei pt, custody, pricing and redemption
Collection of investment income when due and principal upon maturity or sa le
Participation in our cash management investment program which provides a daily investment of all
cash ba lances, the highest standards of qua lit y and safety of principa l, and a competitive rate of
retu rn
Same day liquidity and operating efficiency
Sub-Accounting Capabilities with Unitized reporting capabilities
Complete recordkeeping and reporting that eliminates the time-consuming task of purchasing and
redeeming separate investments such as certificates of deposit
Certified confirmations upon request
On line access to trust account statement information
Timely and accurate monthly account transaction and asset summary statements
• TD Bank utilizes the FIS (Metavante) trust accounting system to offer several uniq ue features such
as cl ient internet access, customized reporting, and mu ltiple statement design options and layo1Jts.
Information posted on TD's online system is avai lable for download in Excel or PDF format.
ml
Safekeeping Services
Online Reporting:

TD Wealth Online offers real time access to the County's account information. Available
on a 24/7 basis, the system offers options for viewing transaction activity and account
holdings, including template reports and analysis.

Capabilities of TD Online include, but are not limited to:

Quick summary view of the overall balance and portfolio composition
Detailed list of account holdings with market value, cost basis, unrealized gain/loss, and
tax lot information
Realized gain/loss reported in summary and detail for year-to-date, prior year, or custom
periods
Historical transaction information
Projected cash flow
Account statements, tax letters, and trade confirmations for current/prior years
Data available as of pervious market close with intra-day price change updates
Information available for download in Excel or PDF format

Asset values are stored in the system for 2 years and transactions are stored for 10
D years. Optical records of statements have no retention limit.
ml
Safekeeping Services
Daily Custody Sweep Service:

TD Wealth gives clients the option to sweep excess cash on a daily basis. This option is
automated through our Trust Accounting system . Clients may select from a variety of
money market mutual funds or an FDIC deposit. The cut-off time for daily sweeps is
3:30pm.

Money Market Mutual Funds:

Goldman Sachs Financial Square Government Fund

Goldman Sachs Financial Square Treasury Obligation Fund
Goldman Sachs Financial Square Federal Fund Cash Management

FDIC Deposit Sweep:

This option allows the County to utilize a demand deposit sweep. Balances under
$250,000 are FDIC insured. Balances in excess of $250,000 are collateralized by U.S.
Treasuries, U.S. Government Agencies, AAA Corporate Bonds, and/ or AAA Asset- backed
securities.

•
Im
Safekeeping Services
Please describe how processing exceptions or failed trades are reported and rectified.

The County will be assigned an Advisor and a Client Service Associate to handle daily
transactions. Any trade discrepancies or settlement issues will be identified and
addressed by this team. Should the issue be more complex, it would be raised to senior
management for review. Communication between the County and its dedicated team
would be continuous throughout.

Generally, issues triggering failed trades are rectified within a day. If necessary, our
Operations settlement team will report the fail to the appropriate third-party money
manager to identify and correct the cause for the fail (i.e. wrong delivery instructions).

We have a very low percentage of trade fails. Most are the result of incorrect delivery
instructions. Once these instructions are corrected, the trade fail can be resolved quickly.

What is the cutoff time for submitting a same day or cash settlement transaction?

The cut-off times for notification of regarding same-day fixed-income trades is 3 p .m. for
both Fed Book and DTC. These times apply to all communication methods.
•
 01 06
A Little Treasury
About Us Management

02 07
What Your
TD Bank
Merchant
Solutions
Team

we'll talk 03 08
about Our
Relationship
Commitment
On boarding

today 04 09
Now Let's Ready
Talk Abou t You Commitment

05
Government
Banking
[J Agenda
 01
A Little
About Us

~ A Little About Us
 Who is TD Bank Group?
We are one of the largest banks in North America, with over One Trillion dollars in assets and over
25 million Customers. With over 85,000 employees, TD Bank Group offers a full range of products
and services under three key business lines.

TD Bank TD Canada Trust TD Securities

Commercial Banking Commercial Banking Provides a wide range of capital
market products and services to
Corporate and Specialty Banking Persona l Banking corporate, government and
institutional clients looking for
Strategic Relationship with TD Credit Cards experience in key areas of finance:
Ameritrade
Auto Finance
Personal Banking - I nvestment and Corporate Banking
Direct Investing, Advice-Based - Capital Markets
Credit Cards Wealth Businesses and Asset
Management - Interest Rate, Currency and
Auto Finance Derivative Products
Property, Casualty, Life and
Wealth Private Client Services Commodities
Health Insurance
Small Business Small Business

[ : ] A Little About Us Assets and employee count as of October 31, 2018.

 ~ $319.3B
Total Assets

Ell $265.4B
Tota I Deposits

~ $159.1B
TD Bank, a member of the TD Bank Group, is one of the Tot al Loans
largest full-service financial companies and one of the top
banks in the U.S. But, unlike many banks, we have
dedicated local teams that get to know you and your
organization. By your side, we are here to help you make 8/}8 27,000
timely and efficient decisions about your banking needs. Employees

Our continuous growth over the past decade has helped us

evolve with double the employee base and triple the capital
of the competition.
Customers

13 A Little About Us As of July 31, 2019 (US$)

What others think of us
You don't have to take our word for it. TD Bank is independently rated as the safest bank in North America .
S&P Credit Ranking Moody's Credit Ranking

AA- TD Bank TD Bank

.f\ ~ ·1

Wells Fargo Wells Fargo

A- A2
Chase Chase
A3
Bank of America

Morgan Stanley A3
BBB+ Citigroup
Baal Citigroup

source: 8l0ombero, Moo,oy•s ra tino oa.seo on sen,or 1on9-term oeoi as ot July LS, 20J 8. S&P re:1no based on k>no•term foreion issuer c.rea,t a5 of April 30, 2018. v.s. Pttl'S <J.et1ned as SAC, 88T. c, CJTZ. JPM, MTB, PNC, STI, u ss o.nd wFC.

•
What others think of us

One of the World 's North America's

50 Safest Banks Safest Banks
Global Finance. 2009-2017 Global Finance, 2009-2017

We are also praised for our conduct beyond banking .

Diversitvlnc
~
a
G A Little About Us
TD Bank Group Growth
See how far we've come Nordstrom's U.S. Visa
and private label
consumer credit
card portfolio acquired
TD acquires approx.
~ T!) Auto 50% of the Aeroplan
credit card portfolio
ll:il Fina nee

I
Chrysler Financial
m] Bank
acquired and became
TD Auto Finance

Commerce Bank 2015

~ Waterhouse/
ll:il Ameritrade
TO swaps 100% of
acquired
I
2013
2017
TD Waterhouse U.S. for
40% of combined
Waterhouse/Ameritrade I
2011
2013
I
2008
I 2011 DJ
Albert Fried & Co.
acquired
2010
2006 TD announces the
acquisition of Scottrade's
2007 Target's U.S. Visa and banking business
private label
portfolio acquired
MBNA Canada acquired
iJl Bank
iI!J Banknorth
The South Financial
Group acquired

TO Banknorth acquired

•
 02
Your
TD Bank
Team

D Your TD Bank Team

 Proposed Relationship Management Structure

B~,QWARD ~ Bank
COUNTY -.:.,
FLORIDA America's Most Convenient Bank" Our Commitment to You
S<ott Kreiger
Pamela lwnllalawan
Tonya England Senior Vice President Your Relationship
Government Banking Vice President
Sales and Service Spe~llst Retional Manaeer Manager and Treesury
Relotlonshlp Manager
Government 8anldn1 Accountability Management Officer are
responsible for your
Amanda Soto Andrea Tyrell-Grant Ben Suarez relationship
Treasury Management Assistant Vice President Vice President Senior Vice President
Solutions and Treasury Management Senior Treasury Management Treasury Management
Escalation sales Sucoott Officer Dtstrict Sales Mana2er

•
One Relationship Team
Consistency that is familiar with your
overall relationship

~
Suzanne Moran

Investment ••••• , _ _ _vi_oc.;.;e;.;P.;.;re;;;a.;

lnstlMional sld;;.en
_t_ ___,
Relationship
Manaa.er

Strong risk discipline

Financial facilitates financial
TrHsury Management Strength strength and stability in
Treasury Management Service Support (TMSS) serving the relationship
Service Support ~ icated Customer
Service Team
Exceptional service and a stronger
relationship

TD Bank
Retail Service Support
Downtown FL Lauderdale

G Your TD Bank Team

 03
Our
Relationship
Commitment

•
Your Relationship Team will work hard to understand Broward County Board of
County Commissioners. No matter the industry, that's the first step in creating a
strategy that is unique to your business.

We offer the personal, friendly, exceptional service of a local bank with the strength
and stability of one of the best financial institutions in the country.

Our vast array of products and capabilities allows us to craft a plan that fits your
long-term goals. And for those day-to-day issues, we'll always be there with helpful,
timely solutions.

As relationship managers, we're here to guide you forward with solutions based on
your unique needs. With specialized, one-on-one service backed by the power of an
entire network, we can help you focus on what's most important: Broward
County.

G Our Relationship Commitment

 04
Now,
Let's Talk
About You

•
mJ Broward County Board of County
Commissioners Overview
The success of your organization depends upon your ability to manage its funds. The Municipal Advantage Account maximizes interest
and accounting efficiencies. This interest-bearing checking product provides the convenience of a transactional account combined w ith
the benefits of an investment account; there is no need for daily reconcilement and transfer of available funds into a dedicated investment
account.

Balance Compensation
Individual accounts are analyzed collectively each month to determine the balance required to offset the cost of services. Balances in excess of
those required to offset the cost of services automatically earn interest. Should balances fail to offset the total cost of services, the remaining
portion of service charges will be processed as a debit.

Earnings Credit Rate (ECR) 1.95%

Interest Rate on Excess Funds 1.95%
Interest Rate on Investment Funds 1.95%
Total Analyzed Services (covered entirely by earnings credit allowance) $50,000.00
Total Monthly Interest Earned $270,547.95
Line Item Pricing Guarantee For the Life of the Contract
No Reserve Requirement
No FDIC Assessment
Waiver of One-Time Setup Fees
3-month Transition Waiver (once services are established)
Supply costs (deposit tickets, secure deposit bags, coin wrappers, endorsement stamps, etc.) will be applied to account analysis
Dedicated Relationship Team

The information above is based on the account information provided in the RFP.

D Now, Let's Talk About You

All rates are bank managed and are subject lo change.
Confidential and Proprietary Information of TD Bank, NA.
ml Broward County Board of County
Commissioners Overview
TD Municipal Advantage Plus Checking
Managing funds is a critical factor in the success of any organization. TD Bank can assist you in effectively managing your funds
with our TD Municipal Advantage Plus Checking. Now, offset Treasury Management fees and earn interest on all excess balances.
With a single account structure, you eliminate the need to sweep or transfer funds into a separate account.

Earnings Credit
The TD Municipal Advantage Checking accou nt receives an earnings credit rate (ECR) on investable balances. These balances
are defined as the average collected balance maintained in all combined accounts. No charges wi ll be incurred as long as the
earn ings credit sufficiently covers the cost of services rendered . If insufficient earnings credit is accrued to cover the full cost of
services, then the lead account will be charged for the difference. The managed earnings credit rate is 1.95%.

Interest
100% of the excess balance on all combined accounts earns interest. Customers can choose to allocate interest to individua l
accounts or have all interest posted to one lead account each month. The managed interest rate is 1.95% .

Composite Relationship
The County can establish a composite relationsh ip of al l TD Mun icipa l Advantage account balances and identify a lead account.
The lead account receives monthly interest payments earned on all excess balances, or is charged monthly for service fees not
fully offset by earnings cred it.

D Now, Let's Talk About You

All rates are bank managed and are subjed lo change.
Confidentia l and Proprietary Information of TO Bank. NA
1m Broward County Board of County
Commissioners Overview
ATM Overview
TD has over 2,600 ATMs in the US, operating in 15 states processing over 120MM transactions annual ly . Our focus
is on convenience and security. We hold our service providers to an average customer uptime of over 99%. We
also invest heavily to ensure the security of our customers' transactions with tamper resistan t ca rd readers,
encrypted pin pads, secure network connections, and comply with industry and regulatory best practices for
techno logy security. TD offers one of the most secure ATM networks in the co untry.

Our ATM service offering is a complete turn-key sol ution with TD managing all aspects of insta llation and ongoing
operation of the machines. We have dedicated teams available 24/7 to respond to service requests ensuring your
busi ness receives t imely attention whenever needed .

TD only uses Diebold Opteva ATMs. Opteva ATMs offer high reliabi lity and robust security features to ensure our
customers can use t he ATM whe n they want and feel t hat their tra nsactions are safe and secure. TD offers one
of the most secure ATM programs in North America.

T D's ATM serv ice management program is based solely on ATM customer ava ilability - down ATMs are simp ly
unacceptable. We align ourselves w ith the best service providers in the industry and we pay above market rates
to ensure world - class service. We realize that both your brand and ours is at stake; therefore, we treat our off
premise ATMs as an extension of our branches. Our program en sures t hat we can deliver on our co nvenience
promise.

•
1m Broward County Board of County
Commissioners Overview
• Account Structure
- 16 accounts county-wide

• Account Analysis
- TD Municipal Advantage Checking account
- Super Composite w ith multiple sub-composites by department within the County to enable the Treasurer to track
balances and ana lyzed services by department

• Zero Balance Accounts (ZBA)

• Cash Processing / Vault Services

- Dunbar is the County's cash handling company
- Cash deposits taken by armored car to TD Store (first $10,000 in cash deposited month ly at a TD Store is FREE)

• Online Banking
- Reporting, statements, stop payments, payment origination and fraud management
- 365 days of transactional data with a 7-year image arch ive
- PIN + SecurID Token for passcode
- Dual control on payment origination

•
mJ Broward County Board of County
Commissioners Overview
• Fraud Control Services
- Check Positive Pay with Payee Verification
- Check Block Positive Pay
- State Dati ng
- ACH Fra ud Services to include ACH Positive Pay, ACH Filter, and ACH Debit Block

• CD-Rom Imaging
- Sunset solution and replace with online banking portal 7-year image archive ( estimated annua l savings of $1805)

• Remote Deposit Capture (RDC)

- Location codes, log ins, order of accounts
- 20 customizable fields
- 45 day data retention

• Account Reconciliation
- Full Reconci liation
- Deposit Reconciliation

• Controlled Disbursements
- 8:30 a.m. presentment

•
1m Broward County Board of County
Commissioners Overview
• Lockbox Services
- Retail Lockbox
- I mage all contents including envelopes & correspondence
- Postmark reviews
- On li ne Decisioning & Payment Aggregation (TD elockbox)

• Electronic Bill Presentment & Payment Portal (TD eBill)

- Allows tax payers to opt for paperless t ax bills
- Payments accepted online, v ia IVR or by a customer service representative
- Payment options include eCheck (ACH), debit card, or credit card
- Payment processing at lockbox site
- Backend portal for County use

• Integrated Receivables

• Integrated Payables / Purchasing Card

• Commercial Plus Card

•
mJ Broward County Board of County
Commissioners Overview
• Electronic Data Interchange (EDI)

• Return Deposit Item (RDI) Email Notifications

• Merchant Services

• Safekeeping / Custodial Services

• . TD Wealth

• Contingency Plans
- Redunda nt sites (South Carolina, New Jersey and Ma ine)
- Payroll purposes

• Bank at Work Program for Employees

6 Now, Let's Talk About You

 We truly listen and answer to the unique needs of our
We're listening clients. Being able to fully comprehend your goals allows us
to create a strategy catered to you and your business.

Our team has a vast set of financial tools at their fingertips

How working to get you where you need to go. Not only do we take your
together works goals to heart, we also work to keep everything as
streamlined as possible.

We offer the best of both worlds: the hands-on, client-first

What we can mentality you'd expect from a local bank combined with all
do for you the capabilities of a nationally and globally recognized
financial institution. From meeting your borrowing needs to
discussing capital strategy to investing excess cash, we're
ready to help.

[3 Now, Let's Talk About You

 05
Government
Banking

•
Government Deposit and investment accounts

Banking • Interest and non-interest earning accounts

• Short and long-term investment accounts

Whether it's a local, county or state

government, or a higher education Financing products
institution , our team has years of • Tax, bond or revenue anticipation notes
experience supporting public sector • Gen eral obligation or revenue bonds
entities and managing their funds. • Municipal leasing
Wit h our deposit, loan and investment
products, we provide flexibility along
with th e control needed to achieve the
Treasury Management Services
best possible return .
• TD eTreasury ' • TD I ntegrated Payables
SECURITIES AND INVESTMENTS
NOT FDIC NO BANK MAY LOSE • TD EscrowDirect • TD Digital Express
INSURED GUARANTEE VALUE
• TD Account Reconcilement • TD Lockbox
Thi s document does not provide ind1v1dual financi al, legal, tax, trading • TD Positive Pay • TD Commercial Plus Card
or investment advice.
Equal Housing Lender 0 1 Member FDIC I Products offered by TD
Bank, N.A. I Full collateralization available on deposit accounts

G Government Banking
 06
Treasury
Management

•
Treasury Management Solutions
Improved working capital, greater efficiency through automation, and protection from the latest payment r isks are
top -of-mind for many f inance professiona ls . Our Treasury Management specialists can help you identify the hidden
potential in your payment practices and revenue collections-to help enhance your overall cash conversion cycle
and improve bottom- line results.

If you're looking to eva lu ate the current state of your treasury functio n, explore additional best practices, or hear
about newer techno logies, we're prepared to help.

Energize Your Cash Harness the power of information

Reduce costly overhead, exception handling and refine the manual, time- Keep all systems up-to-date, eliminate guesswork and access financial
consuming processes that hinder cash flow performance. information securely-whenever and however you need i t-to make timely
decisions.
Boost your efficiency with receivables solutions that help simplify billing,
collect payments faster and streamline reconciliations.
Create efficient payment processes, reduce administrative overhead and Protect Assets
tighten internal controls with robust payables solutions tailored to your
business. As the reach of cybercriminals continues to expand for every financial
operation, we can arm you with the tools and knowledge to help your
Maximize the return on your cash with flexible liquidity solutions that help business before it's too late.
you cover all your operating and investment needs.

[3 Treasury Management
Treasury Management Highlights
• Zero Balance Accounts (ZBAs) • I ntegrated Payables (Paymode-X with Visa Payables
Automation)
• On line Banking Portal for Information Reporting,
Image Archive & Payment Or igination • Integrated Receivables
• On line Bank Statements & Analysis Statements • Lockbox Solutions with in-state Lexington, SC
Lockbox Processing Site
• Fraud Preven t ion Services (ACH Positive Pay, ACH
Debit Block and Filter, Check Block Positive Pay & • Reloadable Cards (TD Paycard, TD Access and TD
Check Positive Pay with Payee Verification) Ready)
• Electronic Data Interchange (EDI)
• Account Reconciliation (Deposit Reconciliation,
Partial Reconciliation and Full Reconci liation)
• CD -Rom Imaging
• Remote Deposit Captu re
• Next-Day Availability on all checks deposited

•
 07
Merchant
Solutions

•
Merchant Solutions
Manage, grow, and protect your business.

Det ermining the best so lutions to meet you r card processing needs is im portan t t o us. Backed by the
st rength and stabi lity of a t op U. S. ba nk, we take a relationship-centric approach with our cl ients to
get to know and understand your busin ess' unique needs.
TD Bank Merchant Solutions ena bles you to ra pidly accept credit an d debit cards from all major
ca r r iers an d net works, across a host of advanced poi nt-of-sale (POS) devices and on line platforms.

Advantages of TD's Merchant Accepted Payment Solutions

Solutions Processing
• Most common Credit and Debit card networks accepted, including:
• Improve your cash flow with the availability of next-business-day
Visa , , MasterCard', American Express · , Discover ' , Star ' , Interlink'',
funding to your TD Bank Business Checking Account
NYCE ", and more
• Easily generate customized, detailed reports with data available by
• We are able to integrate to industry leading payment solutions,
l ocation through access to Clientline, our online reporting dashboard
delivering seamless payment processing, reporting and chargeback
• Resolve chargebacks and receive dispute updates electronically management
through Dispute Manager
• TD Bank Merchant Solutions offers the latest in contactless technology
• Simplify Payment Card Industry Data Security Standard (PC! DSS) enabling payments through the use of mobile devices, including Apple
compl iance requirements through our partnership with Security Metrics Pay, Google Pay, and Samsung Pay
A:,~·•-·, t!l'! ,"lpp:i> 'C-Q:>, -"tlcn ~ ar d 1Pad Mt tri'l~f'r'narks e-' A~:,:e, :n,. , rj!i;1$ttrCC ,., t .. l? l.'.5. Zl"ld .;;:t'.er c::r.ir:r1e~.•
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G·:.::>g!e 1,c.

(3 Merchant Solutions
 09
The Ready
Commitment

•
 $1 billion •
I
I

.I
j
We aspire to help create an inclusive future where individuals
and communities feel confident that they can succeed in a
by 2030
changing world. By providing access, resources and support,
The Ready Commitment is how we deliver on that purpose.
To accomplish our goal, we will focus on four critical areas:

Financial Vibrant Connected Better

Security Planet Communities Health
Increase access to opportunities Partner w ith environmental and Create opportun1t 1es for everyone Support more equ itable
and programs that have the phi lanthropic organizat ions to to feel included by supporting health outcomes for all
greatest impact: Early Learning, enable people and economies to thousands of activities and by inv esting in research,
Income Stability, Affordable thrive by enhancing initiatives t hat respond to local new technolog ies and
Housing, and Financial Literacy. green spaces and helping needs, encouraging new innovative solutions that
to accelerate the transition narratives and dialogues through improve access to ca re.
to a low-carbon economy. art and culture.

G The Ready Commitment