Richard Hay Named Senior Commercial Loan Officer at TD Bank in New York City

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

NEW YORK CITY (December 2, 2010) – TD Bank, America's Most Convenient Bank, has named Richard F. Hay a Senior Loan Officer-Vice President in Commercial Real Estate in New York City. He will manage TD Bank’s multifamily financing business, providing customized lending solutions to clients throughout the bank’s footprint from Maine to Florida.
Hay has 30 years of experience in banking and lending. Prior to joining TD Bank, he led the multifamily warehouse lending division at GMAC and Washington Mutual in Maryland, and before that held a similar position at Chase Manhattan in New York City. Hay is a member of the Mortgage Bankers Association.

A resident of Garden City, N.Y., Hay is a 1972 graduate of Pace University. He is a native of Jamaica, N.Y. and graduated from Brooklyn Prep High School.

TD Bank’s lending professionals are local bankers making local loans, and they establish customer relationships focusing on service and the delivery of individualized financing solutions. Business owners and employees can bank during extended hours, seven days a week, in retail locations or via the Internet or phone 24 hours a day.

TD Bank, America's Most Convenient Bank, is one of the 15 largest commercial banks in the United States, providing customers with a full range of financial products and services at about 1,300 convenient locations from Maine to Florida. On September 30, 2010, The South Financial Group, Inc. was acquired by TD Bank Financial Group, and its subsidiary Carolina First Bank merged with TD Bank. Carolina First Bank will continue to operate under the trade names Carolina First Bank in North and South Carolina and Mercantile Bank in Florida until conversion and rebranding in 2011. TD Bank is headquartered in Cherry Hill, N.J., and Portland, Maine. Carolina First Bank and Mercantile Bank are trade names of TD Bank, N.A. For more information, visit www.tdbank.com.

TD Bank, America's Most Convenient Bank, is a member of TD Bank Financial 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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