John Kosko Joins TD Bank as Vice President, Business Development Officer in SBA Lending for Northern New Jersey

TD Bank, America's Most Convenient Bank, provides customers with a full range of financial products and services at 1,300 convenient locations from Maine to Florida

RAMSEY, N.J. (July 10, 2012) – TD Bank, America's Most Convenient Bank, has named John S. Kosko as Vice President, Business Development Officer in Small Business Administration (SBA) Lending in Ramsey, N.J. He will be focused on providing SBA financing to qualified small businesses throughout Passaic and Hudson counties in Northern New Jersey.

Kosko has 20 years of experience in banking, finance and lending. Prior to joining TD Bank, he served in several positions in the SBA Lending Group at CIT Group in Livingston, N.J., including Director of Credit and Risk Management, Regional Sales Manager for the Northeast, National Training Manager and East Coast Region Credit Manager.

A Verona, N.J., resident, Kosko received an MBA in 1998 from Seton Hall University in South Orange, N.J., and an undergraduate degree in 1992 from Penn State University in University Park, Pa. He is a 1988 graduate of West Essex Regional High School in North Caldwell, N.J.

About TD Bank, America's Most Convenient Bank
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing nearly 8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,280 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized wealth management services through TD Wealth, insurance products and services through TD Insurance, Inc., and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J., and Portland, Maine. To learn more, find TD Bank on Facebook at www.facebook.com/TDMoneyLoungeUS, on Twitter at www.twitter.com/TDBank_US or visit www.tdbank.com.

TD Bank is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America and one of the few banks in the world rated Aaa by Moody's. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD." To learn more, visit www.td.com.

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