TD Bank Offers Franchise Financing Options for Veterans

           TD Bank Offers Franchise Financing Options for Veterans

Participating Franchises can offer franchisee lower interest rates and waived
fees through TD Bank Small Business Administration Loans

PR Newswire

CHERRY HILL, N.J. and PORTLAND, Maine, Feb. 21, 2013

CHERRY HILL, N.J. and PORTLAND, Maine, Feb. 21, 2013 /PRNewswire/ --TD Bank,
America's Most Convenient Bank®, announced today that it has joined with the
International Franchise Association and a pilot group of franchises to help
United States veterans become franchise owners.

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Across TD Bank's Maine to Florida footprint, franchises such as Dunkin'
Donuts, Domino's Pizza, Baskin-Robbins and Papa Murphy's will be able to offer
a streamlined loan application process, a packaging fee waiver, and lower
interest rates from TD Bank for U.S. military veterans.

"A military background provides veterans with important skills and traits that
we see in small business owners," said Rich Bradshaw, head of Small Business
Administration (SBA) Lending at TD Bank, who is also a retired Navy Reserve
Intelligence Officer. "TD Bank knows that veterans are strong candidates for
franchising, and we are pleased to work with the IFA and our franchise
partners to help veterans achieve their business dreams."

Participating franchises will be able to offer veterans information about
financing with TD Bank when a veteran approaches them about becoming a

"As a member of the IFA's VetFran Program, Papa Murphy's International offers
a military royalty reduction incentive. In 2012, we proudly welcomed twelve
new veterans to our franchise family," said Dick Larsen, VP of Development and
Finance for Papa Murphy's. "Papa Murphy's International is honored to partner
with TD Bank on this important financing initiative for our veterans and their

"This groundbreaking initiative will help accelerate the number of
veteran-owned franchise businesses along the Eastern seaboard," said IFA
President and CEO Steve Caldeira. "Veterans have a proven track record in
franchising, and with more than 1 million troops returning to the civilian
workforce in the coming years, we continue to work hard each and every day to
extend career opportunities to our nation's veterans."

TD Bank is the largest SBA lender in its footprint and the seventh largest in
the United States, and offers competitively-priced, government-backed
financing programs for small businesses within its Maine to Florida footprint.

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 1,300
convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the
Carolinas and Florida. In addition, TD Bank and its subsidiaries offer
customized private banking and wealth management services through TD Wealth^®,
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, visit Find TD Bank on Facebook at and on Twitter at

TD Bank, America's Most Convenient 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. The Toronto-Dominion Bank trades on the New
York and Toronto stock exchanges under the ticker symbol "TD." To learn more,


Contact: Judy Rusk, Office: +1-856-533-5357, Cell: +1-609-502-9664,
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