Hi Erica, Thanks for your additional inquiry on this. As mentioned before, all of us at TD have worked hard to build a culture focused on putting the needs of our customers first and consistently acting with integrity. Every employee in our company must abide by our Code of Conduct and Ethics, which requires employees to act ethically and to not allow a focus on business results to come before our focus on our customers. The environment you describe is very much at odds with how we run our business If any employee or customer feels like they are in the situation you describe, we invite them to share their concern with us (anonymously or otherwise) so that we can investigate and resolve it. We welcome hearing from any employee or customer on this matter at any time. Best, Daria Daria Hill l Corporate & Public Affairs ​TD Bank Group