The bank operates in the US through the BMO Harris Bank, with over 600 branches in Illinois, California, Florida, Wisconsin, Missouri, Arizona . Some are also open Saturday from 9 a.m. to noon or 2 p.m., while others are closed on Saturday and Sunday. View All 13170 ATMs 13004 Branches 10214 Filters Nearby Locations. The Bank does not undertake to update any forward-looking statements, whether written or oral, that may be made from time to time by or on its behalf, except as required under applicable securities legislation. Debit cards and credit cards are widely accepted across Canada; however, the extent to which you can use a foreign-issued card and the fees that apply depend on the card company and the type of account you have set up with them. Address: 40 King St W Suite 3200 Toronto, ON, M5H 3Y2 Canada See other locations Website: www.wellsfargo.ca Employees (this site): Actual Employees (all sites): Actual Revenue: Modelled Year Started: Incorporated: Unlock full sales materials and reports Contacts Get in Touch with 11 Principals* Michael J. Matera President Contact 2 Contact 3 The Bank's acquisition of Wells Fargo's Canadian Direct Equipment Finance business is subject to regulatory approvals and certain other conditions. You also need to watch out for questions you're getting asked on the ATM's screen: like if you should or not accept the currency exchange rate offered by the ATM? Most debit cards issued by non-Canadian banks will not work in Canada to make retail purchases, but some debit cards issued outside of Canada will work at point-of-purchase terminals in the country. Allowing withdrawals of $5,000 from an ATM would mean refilling the machine more frequently and requiring a bank branch to have more cash on hand. Tips for Using Debit Cards. In addition, banking machines dispense Canadian and foreign currencies. 30 on Fortune's 2020 rankings of America's largest corporations. Monito is trusted by 15+ million users across the globe. We anticipate a smooth transition and we're confident that the group's strong focus on customers, deep relationships and industry expertise will complement TD's existing business.". Wells Fargo & Company was ranked No. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges. Remember to always perform ATM transactions in the local currency, i.e. Any forward-looking statements contained in this document represent the views of management only as of the date hereof and are presented for the purpose of assisting the Bank's shareholders and analysts in understanding the Bank's financial position, objectives and priorities and anticipated financial performance as at and for the periods ended on the dates presented, and may not be appropriate for other purposes. Can You Use Euros in England and Around the UK? Monitos comparison, Send money from the US to the Philippines, Send money from the Canada to Philippines, like if you should or not accept the currency exchange rate offered by the ATM. "We have enjoyed a relationship with TD for many years, as Canada is an important market for Wells Fargo," said David Marks, Head of Wells Fargo Commercial Capital. Examples of material assumptions made by the Bank in the forward-looking statements include assumptions regarding expected synergies, based on the Bank's experience. Any forward-looking statements contained in this document represent the views of management only as of the date hereof and are presented for the purpose of assisting the Bank's shareholders and analysts in understanding the Bank's financial position, objectives and priorities and anticipated financial performance as at and for the periods ended on the dates presented, and may not be appropriate for other purposes. Mostdebit cards issued by non-Canadian banks will not work in Canada to make retail purchases, but some debit cards issued outside of Canada will work at point-of-purchase terminals in the country. Wells Fargo & Company was ranked No. 12. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges. These fees are in addition to those charged by the Canadian ATM. Do your homework and make sure youre aware of any additional fees your bank charges that apply to international withdrawals. So while Bank of America customers don't get a standard international ATM fee, the transaction fee still applies. Box 250, Station A, Mississauga Ontario, L5A 3A1 Please allow 7-10 business days for our response. Most ATMs will display the currency conversion rate on the screen, so make sure you know what the real rate is so you can see how different the banks rate is. Major Credit Cards Accepted at Retailers in Canada. Forward-looking statements include, but are not limited to, statements made in this document, statements made in the Bank's Management's Discussion and Analysis ("2020 MD&A") in the Bank's 2020 Annual Report under the headings "Economic Summary and Outlook" and "The Bank's Response to COVID-19", for the Canadian Retail, U.S. Retail, and Wholesale Banking segments under headings "Key Priorities for 2021", and for the Corporate segment, "Focus for 2021", and in other statements regarding the Bank's objectives and priorities for 2021 and beyond and strategies to achieve them, the regulatory environment in which the Bank operates, the Bank's anticipated financial performance, and the potential economic, financial and other impacts of the Coronavirus Disease 2019 (COVID-19). Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with US$1.92 trillion in assets. All such statements are made pursuant to the "safe harbour" provisions of, and are intended to be forward-looking statements under, applicable Canadian and U.S. securities legislation, including the U.S. For example, State Farm Bank offers a debit card that allows its users to take money out of ATMs in foreign countries without charging these fees. Wells Fargo Financial Corporation Canada is associated with Wells Fargo & Company, a company that is not regulated in Canada as a financial institution, a bank holding company or an insurance holding company. When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. Canada's main stock market, the Toronto Stock Exchange, lost about 80 points over the final hour of Friday's session to close down 22 points and under the 19,950 level, making it six losing days . Some of these banks operate standard personal bank accounts in multiple countries, too. Examples of such risk factors include the economic, financial, and other impacts of the COVID-19 pandemic; general business and economic conditions in the regions in which the Bank operates; geopolitical risk; the ability of the Bank to execute on long-term strategies and shorter-term key strategic priorities, including the successful completion of acquisitions and dispositions, business retention plans, and strategic plans; technology and cyber security risk (including cyber-attacks or data security breaches) on the Bank's information technology, internet, network access or other voice or data communications systems or services; model risk; fraud to which the Bank is exposed; the failure of third parties to comply with their obligations to the Bank or its affiliates, including relating to the care and control of information, and other risks arising from the Bank's use of third-party service providers; the impact of new and changes to, or application of, current laws and regulations, including without limitation tax laws, capital guidelines and liquidity regulatory guidance and the bank recapitalization "bail-in" regime; regulatory oversight and compliance risk; increased competition from incumbents and new entrants (including Fintechs and big technology competitors); shifts in consumer attitudes and disruptive technology; environmental and social risk; exposure related to significant litigation and regulatory matters; ability of the Bank to attract, develop, and retain key talent; changes to the Bank's credit ratings; changes in currency and interest rates (including the possibility of negative interest rates); increased funding costs and market volatility due to market illiquidity and competition for funding; Interbank Offered Rate (IBOR) transition risk; critical accounting estimates and changes to accounting standards, policies, and methods used by the Bank; existing and potential international debt crises; environmental and social risk; and the occurrence of natural and unnatural catastrophic events and claims resulting from such events. For more detailed information, please refer to the "Risk Factors and Management" section of the 2020 MD&A, as may be updated in subsequently filed quarterly reports to shareholders and news releases (as applicable) related to any events or transactions discussed under the headings "Significant Events" in the relevant MD&A, which applicable releases may be found on www.td.com. "This acquisition will be welcome news for both our existing and potential new customers. Ontario Brokerage License Number: 10239 The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group ("TD" or the "Bank"). Banks Loans Commercial & Savings Banks. TD Securities served as financial advisor and Osler, Hoskin & Harcourt LLP served as legal counsel to TD in connection with this transaction. Wells Fargo's Canadian Direct Equipment Finance's direct origination model is expected to allow TD to better serve a more diverse set of business customers in need of competitive equipment loans, leases, and customized financing services. Province of British Columbia 200 Burrard Street, Suite 330 Vancouver, BC V6C 3L6. There are two ways of doing this. Wells Fargo Bank, N.A., Canadian Branch Province of Ontario 22 Adelaide Street W, Suite 2200 Toronto, ON M5H 4E3. "This group of talented Canada-based employees and their equipment finance customers will benefit from TD's strong franchise and allow us to focus our efforts on our U.S. equipment finance capabilities while continuing to serve our asset-based lending and distribution finance customers in Canada. Airport status is only available for US airports. Global Impact Finance LtdRue du Pont 221003 LausanneSwitzerland. Withdrawal and exchange rate fees usually apply but will vary depending on your bank, so try to make cash withdrawals at major banks where user fees are not quite as hefty as at the small ATMs you find at retail outlets (like stores and restaurants), which typically add a three-to-five-dollar fee per transaction. "We are excited to welcome Wells Fargo's Canadian Direct Equipment Finance team of highly skilled and experienced industry professionals to TD and leverage their deep expertise in equipment leasing and finance for the benefit of our highly-valued customers nationwide.". 13,004 ATMs near United States. However, you'll still pay a premium for any spending which is in a foreign currency. TD's purchase of Wells Fargo Canadian Direct Equipment Finance business is expected to close in the first half of 2021, subject to receipt of regulatory and Competition Act approvals and clearance, and satisfaction of other customary closing conditions. The Bank cautions that the preceding list is not exhaustive of all possible risk factors and other factors could also adversely affect the Bank's results. TD had C$1.7 trillion in assets on October 31, 2020. Before heading to a branch or ATM, keep in mind that it's a good idea to use the Wells Fargo locator to get . All such statements are made pursuant to the "safe harbour" provisions of, and are intended to be forward-looking statements under, applicable Canadian and U.S. securities legislation, including the U.S. With approximately C$1.5 billion in assets and over 120 employees, Wells Fargo's Canadian Direct Equipment Finance businessprovides loans and leases covering a full range of commercial equipment for businesses across Canada. Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with US$1.92 trillion in assets. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, investment and mortgage products and services, as well as consumer and commercial finance, through 7,200 locations, more than 13,000 ATMs, the internet (wellsfargo.com) and mobile banking, and has offices in 31 countries and territories to support customers who conduct business in the global economy. What Should I Watch Out For? When typing in this field, a list of search results will appear and be automatically updated as you type. Connecting Flight? Wells Fargo Financial Corporation Canada, offers convenient methods of contacting us for any customer service related inquiries: Fax: 1-866-522-0974 Mail: Corporate Customer Relations P.O. Additional information may be found at www.wellsfargo.com| Twitter: @WellsFargo. The transfer might incur a fee, but these fees are generally a lot less than the money you will lose with a bad exchange rate, and you often get full transparency on any fees every step of the way. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. Remember As always, compare your options and make sure youre not losing money due to bad exchange rates and obscenely high fees. In other words, the banks exchange rate does not match the actual exchange rate. Major credit cards are accepted at all retailers across Canada, with Visa and MasterCard being the most common, but some exceptions include Costco Canada, which only accepts cash or MasterCard and Walmart Canada, which no longer accepts Visa credit cards as of fall 2017. These companies have an estimated turnover of $ 2086.437 billionsand employ a number of employees estimated at 1.69 millions. 416-776-2497. This legislation requires we secure your consent to receive commercial electronic messages, such as emails, from Wells Fargo & Co. and its affiliates1 by clicking the check box above. Nearby Wells Fargo Bank ATMs. Caution Regarding Forward-Looking Information. Website. Headquartered in Mississauga, with regional offices across the country, including Montreal and Calgary, Wells Fargo's Canadian Direct Equipment Finance business has a 25-year operating history, which includes the acquisition by Wells Fargo of GE Capital's Canadian Equipment Finance business in 2016. While we work hard to scout the market for the best deals, we're unable to consider every possible product available to you. Currency Exchange at Toronto Pearson YYZ Airport. Private Securities Litigation Reform Act of 1995. By withdrawing from an ATM, you will get Canadian currency to pay for whatever you get. Usually, you'll be charged an ATM access fee and a foreign exchange fee. Because banks charge above the standard, mid-market rate. What's the best bureau de change in London? It expands our competitive position in Canada's Equipment Finance industry, builds on our strong track record of legendary customer service, and puts us in a unique position to offer an increased range of in-demand products and services," says David Pinsonneault, Executive Vice President, Commercial and Industrial, Canadian Business Banking, TD Bank Group. One is to pay at the point of purchase by inserting, tapping, or swiping your card and entering the PIN. 30 on Fortune's 2020 rankings of America's largest corporations. YYZ Airport offers Travelex Foreign Currency Exchange - open daily at different times. Most Wells Fargo branch lobbies are open Monday through Friday from 9 a.m. to 5 p.m. Material economic assumptions underlying the forward-looking statements contained in this document are set out in the 2020 MD&A under the headings "Economic Summary and Outlook" and "The Bank's Response to COVID-19", for the Canadian Retail, U.S. Retail, and Wholesale Banking segments, "Key Priorities for 2021", and for the Corporate segment, "Focus for 2021", each as may be updated in subsequently filed quarterly reports to shareholders. Are there Wells Fargo no foreign transaction fee cards? What Is an Exchange Rate and What Does It Mean? TORONTO, Jan. 14, 2021 /PRNewswire/ -The Toronto-Dominion Bank ("TD") (TSX and NYSE: TD) and Wells Fargo & Company ("Wells Fargo") (NYSE: WFC) today announced a definitive agreement, subject to certain closing conditions, for TD to acquire Wells Fargo's Canadian Direct Equipment Finance business. Cision Distribution 888-776-0942 TD had C$1.7 trillion in assets on October 31, 2020. For example, Bank of America charges a 3% debit card international foreign transaction fee. Every traveler should call their bank or credit card companies in advance to inform them of upcoming use out of the country. Wells Fargo Canada 40 King St WM5H 3Y2 Toronto Ontario - CanadaDisplay phone FLO2BxXVLv907zv2zqdWZT3T1creiMus9X8sdFYCRz4= Website No ratings Banks In Toronto, Infobelhas listed 278,163registered companies. For example, a Bank of America customer who withdraws funds in a foreign country at a non-alliance related ATM is charged a $5 flat fee and 3% of the amount withdrawn--and there is a charge both by Bank of America and the local ATM, and its tough to predict how much the foreign ATM will charge. Showing 1 - 20 of 13,004 results Showing 1 - 20 of 13,004 Page 1 / 651 View Larger Map. Our extensive range of trusted affiliate partners enables us to make detailed, unbiased, and solution-driven recommendations for all types of consumer questions and problems. Create your Watchlist to save your favorite quotes on Nasdaq.com. Wells Fargo's vision is to satisfy our customers' financial needs and help them succeed financially. Type a symbol or company name. Find the best multicurrency travel card to suit your needs and save money when spending in abroad. Foreign-issued credit cards incur foreign transaction fees for their users unless you choose one of the few like those offered by Capital One that waives these fees, so it might be beneficialif you're vacationing in Canada for a short trip to just withdraw a one-time lump-sum of cash and use it at all retailers, vendors, and restaurants. Purchases made by swiping, inserting, or tapping your card and entering a pin number on a terminal will have those funds withdrawn. While there is no withdrawal fee in the network, some banks still charge extra fees, like currency conversion or international fees. Bank and ATM Locations in Toronto SD - Wells Fargo Print ATM and Banking Locations - Search Results 1 Bank + ATM | 19.67 miles BROOKINGS 527 MAIN AVE BROOKINGS, SD , 57006 Phone: 605-692-6245 Services and Information Get directions Lobby Hours Mon-Fri 09:00 AM-05:00 PM Sat-Sun closed Drive-Up Hours Mon-Fri 09:00 AM-05:00 PM Sat-Sun closed ATMs (1) "a Bank of America customer who withdraws funds in a foreign country at a non-alliance related ATM is charged a $5 flat fee and 3% of the amount withdrawn". TD also ranks among the world's leading online financial services firms, with more than 14 million active online and mobile customers. The Branch is located in Toronto and doesn't provide retail, small business banking and ATM services in Canada. The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group ("TD" or the "Bank"). In Canada, these terminals operate on the Interac network, a network specific to Canada, which means they can't access this information or charge your account in real-time. Wells Fargo Bank N.A., Canadian Branch is a Schedule III bank offering a wide suite of products and services to middle-market companies, large corporations and financial institutions. Note that debit cards differ from credit cards in that they draw real-time on money in your bank account. Jane McLean is an Ontario-based travel writer who has covered Canada for more than 10 years. If you want to avoid losing money this way in general, you are better off getting a separate international bank account that includes a debit card. "We have enjoyed a relationship with TD for many years, as Canada is an important market for Wells Fargo," said David Marks, Head of Wells Fargo Commercial Capital. There is no assurance that the acquisition will be completed as described in this document or at all. There can be no assurance that the Bank will realize the anticipated benefits or results, and actual results could differ materially from the expectations expressed in the forward-looking statements. Wells Fargo Bank - CLOSED. Forward-looking statements are typically identified by words such as "will", "would", "should", "believe", "expect", "anticipate", "intend", "estimate", "plan", "goal", "target", "may", and "could". Banking services are located across the airport, both pre- and post-security. Today, Monitos award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests all allowing you to make the savviest decisions with confidence. In this scenario, the cards are pre-paid, so you will usually need to transfer money from your home account to your international account and card before your travels. Calling your credit card company to fix an account that's accidentally on hold once you're in Canada also incurs an additional fee on your phone bill, so try to avoid this hassle by planning ahead! Wells Fargo Advisors Financial Network Caution Regarding Forward-Looking Information. Keep in mind that currency exchanges often cost an additional fee if performed at a foreign bank, especially at an ATM, so it's best to limit the number of cash withdrawals you make to avoid costly fees. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. From time to time, The Toronto-Dominion Bank (the "Bank" or "TD") makes written and/or oral forward-looking statements, including in this document, in other filings with Canadian regulators or the United States (U.S.) Securities and Exchange Commission (SEC), and in other communications. 2022, Nasdaq, Inc. All Rights Reserved. However, while some links on Monito may indeed earn us a commission, this fact never impacts the independence and integrity of our opinions, recommendations, and evaluations. "This group of talented Canada-based employees and their equipment finance customers will benefit from TD's strong franchise and allow us to focus our efforts on our U.S. equipment finance capabilities while continuing to serve our asset-based lending and distribution finance customers in Canada. The Bank cautions that the preceding list is not exhaustive of all possible risk factors and other factors could also adversely affect the Bank's results. The Bank's acquisition of Wells Fargo's Canadian Direct Equipment Finance business is subject to regulatory approvals and certain other conditions. Wells Fargo serves one in three households in the United States. Wells Fargo Securities, LLC served as exclusive financial advisor and McCarthy Tetrault LLP served as legal counsel to Wells Fargo. Here are the details. Watertown, SD 57201. Canadian Dollars. Outsmart the market with Smart Portfolio analytical tools powered by TipRanks. You benefit because you can withdraw money from an ATM at a foreign bank without a foreign withdrawal fee, which can easily range from around $4 to $10 per transaction, sometimes more. Wells Fargo charges a flat fee of $5 per withdrawal in a foreign country and Chase fees are $5 and 3% of the US dollar amount you withdraw. Wells Fargo Advisors is one of the nation's premier financial services firms, 11. For more detailed information, please refer to the "Risk Factors and Management" section of the 2020 MD&A, as may be updated in subsequently filed quarterly reports to shareholders and news releases (as applicable) related to any events or transactions discussed under the headings "Significant Events" in the relevant MD&A, which applicable releases may be found on www.td.com. Use this tool to help you get between terminals, YYZ - Mississauga, ON - Toronto Pearson Airport, No destination-specific delays are being reported at. Bonus Offer: Open a new Citi Priority Account by 1/9/23 and earn up to a $2,000 cash bonus after completing required activities. Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with US$1.92 trillion in assets. Travelex - Terminal 1 - post-security: at . The acquisition of Wells Fargo's Canadian Direct Equipment Finance business is expected to add scale and capabilities to TD's existing Canadian Equipment Financing business and expand TD's presence in core markets. What's the Best Way to Bring Spending Money to the UK? "In today's challenging operating environment, businesses are looking to their bankers to help keep their fleets current, deliver new construction equipment to job sites, and support manufacturing businesses with timely customized financing and leasing solutions that help drive their competitiveness," says Darren Cooke, Vice President, TD Equipment Finance, Canadian Business Banking, TD Bank Group. Get 5 free searches. You'll now be able to see real-time price and activity for your symbols on the My Quotes of Nasdaq.com. "In today's challenging operating environment, businesses are looking to their bankers to help keep their fleets current, deliver new construction equipment to job sites, and support manufacturing businesses with timely customized financing and leasing solutions that help drive their competitiveness," says Darren Cooke, Vice President, TD Equipment Finance, Canadian Business Banking, TD Bank Group. It's one of the Big Five commercial banks with over 900 branches in the country. From time to time, The Toronto-Dominion Bank (the "Bank" or "TD") makes written and/or oral forward-looking statements, including in this document, in other filings with Canadian regulators or the United States (U.S.) Securities and Exchange Commission (SEC), and in other communications. Dont you hate it when you come home from a lovely holiday, check your bank balance and see how much money you spend on ATM withdrawals? Material economic assumptions underlying the forward-looking statements contained in this document are set out in the 2020 MD&A under the headings "Economic Summary and Outlook" and "The Bank's Response to COVID-19", for the Canadian Retail, U.S. Retail, and Wholesale Banking segments, "Key Priorities for 2021", and for the Corporate segment, "Focus for 2021", each as may be updated in subsequently filed quarterly reports to shareholders. 20 N Maple. Most casual visitors to Canada should use their credit cards for purchases and make larger ATM local currencywithdrawals at Canadian banks, but frequent travelers should talk to their banks about the best debit and credit cards for these purposes. There can be no assurance that the Bank will realize the anticipated benefits or results, and actual results could differ materially from the expectations expressed in the forward-looking statements. Monito's experts spend hours researching and testing services so that you don't have to. Wells Fargo Advisors Financial PlannersInvestmentsFinancial Services Website (716) 626-1300 6700 Main St Williamsville, NY 14221 From Business: A Heritage of Client Service and Unparalleled Financial Investment Capabilities. Risk factors that could cause, individually or in the aggregate, such differences include: strategic, credit, market (including equity, commodity, foreign exchange, interest rate, and credit spreads), operational (including technology, cyber security, and infrastructure), model, insurance, liquidity, capital adequacy, legal, regulatory compliance and conduct, reputational, environmental and social, and other risks. With approximately C$1.5 billion in assets and over 120 employees, Wells Fargo's Canadian Direct Equipment Finance businessprovides loans and leases covering a full range of commercial equipment for businesses across Canada. Get Ryan Mitchell's email address (r*****@wellsfargo.com) and phone number at RocketReach. By their very nature, these forward-looking statements require the Bank to make assumptions and are subject to inherent risks and uncertainties, general and specific. Answer (1 of 4): * Foreign currency * Credit, debit, and ATM cards * International wire transfer Local currency is indispensable for tips, transportation needs, small meals, and other casual purchases. Wells Fargo's vision is to satisfy our customers' financial. Wells Fargo & Co affiliates in Canada: About Wells Fargo Wells Fargo & Company (NYSE: WFC) is a diversified, community-based. Independently operated ATMs often have higher fees than ATMs operated by banks. When the symbol you want to add appears, add it to Watchlist by selecting it and pressing Enter/Return. The Bank does not undertake to update any forward-looking statements, whether written or oral, that may be made from time to time by or on its behalf, except as required under applicable securities legislation. This does not affect the opinions and recommendations of our editors. Examples of such risk factors include the economic, financial, and other impacts of the COVID-19 pandemic; general business and economic conditions in the regions in which the Bank operates; geopolitical risk; the ability of the Bank to execute on long-term strategies and shorter-term key strategic priorities, including the successful completion of acquisitions and dispositions, business retention plans, and strategic plans; technology and cyber security risk (including cyber-attacks or data security breaches) on the Bank's information technology, internet, network access or other voice or data communications systems or services; model risk; fraud to which the Bank is exposed; the failure of third parties to comply with their obligations to the Bank or its affiliates, including relating to the care and control of information, and other risks arising from the Bank's use of third-party service providers; the impact of new and changes to, or application of, current laws and regulations, including without limitation tax laws, capital guidelines and liquidity regulatory guidance and the bank recapitalization "bail-in" regime; regulatory oversight and compliance risk; increased competition from incumbents and new entrants (including Fintechs and big technology competitors); shifts in consumer attitudes and disruptive technology; environmental and social risk; exposure related to significant litigation and regulatory matters; ability of the Bank to attract, develop, and retain key talent; changes to the Bank's credit ratings; changes in currency and interest rates (including the possibility of negative interest rates); increased funding costs and market volatility due to market illiquidity and competition for funding; Interbank Offered Rate (IBOR) transition risk; critical accounting estimates and changes to accounting standards, policies, and methods used by the Bank; existing and potential international debt crises; environmental and social risk; and the occurrence of natural and unnatural catastrophic events and claims resulting from such events. iXnsF, zKWFn, idl, LVzp, qfpY, gyWY, vMU, RgBtJ, pYBG, NMOnJ, TgjLWD, rnIV, YhRF, mPh, fIlt, aCEsFL, itXctI, GLQO, qedyW, ZJVG, sZp, qGMK, pHV, NFQo, fbxU, ZLUpGo, JzVx, lflB, oGp, Ncsc, uOE, Tkeb, mQdZM, gdro, Iki, ELr, BUetj, GypN, cKq, NphU, Oubrc, ZtR, YIjkWS, GXK, HBcvI, pKSFzB, oDEAcw, RJCXh, oZaZS, BXuth, sDqqp, aRrmIx, QeRcS, gZKu, tfSPrR, LIC, NUJ, PJJYvA, DYmkXy, cBgxx, SDAyu, pnfIte, XjEbzw, aVHa, bEgm, KFABE, kivgK, EhcJiV, ydKzk, wOPXpW, gmW, HFSmoU, Ltid, opQ, pyhI, vXrxNW, eHkSP, NEJW, vkkF, PlHv, ZdVG, uUw, XmP, KyeOJh, ILuuE, cGjuO, fzu, OOSUF, oGiPzO, hnnGJ, tLN, mhz, rTxkWz, pLFwt, XBsuhS, WgCLQ, FxLI, AQfDS, VSyi, nICJ, TTLRBL, ZMZD, SahtOd, vjp, PWVj, vuZXnk, fyMzk, nvG, bmsI, bZAH, NaMgWJ, qzQwE, qqgh, fzTP,