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BCE Emergis e-Lending Interchange expands to include TD Canada Trust

Business Wire,  March 14, 2002  

Business Editors

TORONTO & MONTREAL--(BUSINESS WIRE)--March 14, 2002

Will facilitate TD Canada Trust auto loan applications

BCE Emergis (TSE: IFM), a premier provider of business-to-business e-commerce services and exchanges in North America, today announced an agreement to provide its Emergis(R) e-Lending Interchange service to TD Canada Trust's automotive lending business.

The agreement facilitates and improves the Internet-based connection between automotive dealers and TD Canada Trust's loan application system. Auto dealers can work from within their existing software systems and without re-keying information.

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"Having TD Canada Trust join our e-Lending Interchange further enhances the value and importance of this industry-leading product," said Jacques Malo, president, BCE Emergis Canada. "It is a tremendous benefit for vehicle dealers to have this kind of access to credit options and information and the involvement of lending institutions such as TD Canada Trust translates into fast and responsive service on our secure network."

The e-Lending Interchange, the first fully-integrated service of its kind in Canada for auto dealers, simplifies the process of qualifying customer loan applications. With this agreement, TD Canada Trust will offer credit adjudication services to automotive dealerships using the technology, enabling dealers to instantly exchange online all the required information to consumer credit applications and other services, such as vehicle description searches through a direct link to the Canadian Black Book. The Interchange also allows dealers to be fully integrated with their existing finance and insurance options software systems.

"The e-Lending Interchange provides improved access to our services for dealers," says Len Logozar, vice-president, retail lending, TD Canada Trust. "This will help dealers quickly determine the best lending arrangements for customers, which we think represents a competitive value proposition and helps to reinforce TD Canada Trust's position as a leader in e-business innovation."

BCE Emergis technology is at the core of the e-Lending Interchange that enables dealers, financial institutions and information bureaus to communicate instantly within the existing dealer software programs. It offers a reliable and secure environment for transmitting sensitive financial, credit and vehicle information. BCE Emergis is building the value of the interchange by linking additional information sources, software manufacturers and financial institutions.

In joining the Interchange, TD Bank joins Scotiabank and various software vendors including AutoHotline.com, Autoturbo Inc., Bosco Credit Finance Inc. Canadian American Management System (C.A.M.S.) Inc., C.T. Soft Corporation, Dealer Information System Limited (DIS Limited), Megawheels Inc., Novaciel Inc., Oasis Auto Complete Systems, PBS Financial Systems Inc. and Quorum Information Systems Inc.

About TD Bank Financial Group. The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. In Canada and around the world, TD Bank Financial Group serves more than 13 million customers in four key areas: TD Canada Trust, a leader in personal and commercial banking in Canada; TD Securities, a leader in wholesale banking, operating in over 20 locations in key financial centres around the globe; TD Waterhouse, one of the world's largest brokers to the self-directed investor; and TD Wealth Management, one of Canada's largest asset managers. TD Bank Financial Group also ranks among the world's leading on-line financial services firms, with more than 3.8 million on-line customers. TD Bank Financial Group had CDN$287.8 billion in assets, as at October 31, 2001. The Toronto-Dominion Bank trades on the Toronto and New York Stock Exchanges under the symbol "TD".

BCE Emergis is a premier e-Business service provider, strategically focusing on market leadership in the transaction-intensive eHealth and financial services sectors. By layering technologically advanced e-commerce services on existing Internet-based platforms, Emergis offers its customers increasing value in their e-commerce adoption and ever-increasing levels of sophisticated services. These scalable solutions electronically transform business processes, such as buying, selling, invoicing and payment, and enable companies to succeed in the web-centric, cost-driven, and highly competitive global Internet economy. BCE Emergis' customers include leading North American banks and insurance companies. The Company's shares (TSE: IFM) are included in the TSE 100 composite index.

Please visit BCE Emergis at www.emergis.com for more information on the Company.

This news release contains certain forward-looking statements that reflect the current views and/or expectations of BCE Emergis with respect to its performance, business and future events. Such statements are subject to a number of risks, uncertainties and assumptions. Actual results and events may vary significantly.

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