What is the epost service?

The epost service is an electronic document presentment service which allows consumers to view and pay bills and statements from product and service providers (document presenting companies) using an Internet banking service (such as, TD Canada Trust EasyWeb). Data received from multiple companies is held in a secure, fully integrated, on-line repository, which consumers can access at any time of day or night through their Internet banking facilities. The document presenting companies have full control over the design and marketing of their documents, including links to their own corporate web sites. Some examples of documents that could be provided are billing statements, investment acknowledgements or government forms. For bills, consumers can make real-time, on-line payments using their Internet banking service.

What are the Benefits of the epost service?

Benefits to the document presenting company:
• Absolute control of advertising, enabling cross-selling opportunities
• Assurance of a highly secure system
• Real-time, online payments eliminating returned payments (e.g., NSF's, account closed, etc.)
• Competitive advantage over companies not participating in the epost model
• Complete control of electronic document design to enhance brand image
• Access to a large mass of consumers
• Lower costs compared to paper and postage

Benefits to the consumer:
• View and make payments in one convenient location
• Receive essential documents from a secure and trusted source - financial institution
• Reduce the time involved in reviewing and paying monthly bills and statements
• Convenience of having direct access to real-time account balance information
• Convenience of using an existing bank user name and password to access all documents (compared to having to remember multiple user names and passwords required for visiting multiple companies' web sites)

How is TD Commercial Banking Involved?

Companies can present their documents to consumers through the following financial institutions: TD Canada Trust, CIBC, Royal Bank, Mouvement des Caisses Desjardins, Bank of Nova Scotia, National Bank of Canada, Laurentian Bank and Bank of Montreal.

TD Commercial Banking's role is to sponsor and provide ongoing support to document presenting companies for the epost service.

Who is the Target Market?

The epost service can be used by any organization that produces and mails essential billing and statement documents to a broad consumer base, or by companies that have consumers who currently access any or all of their products, services, or information through the Internet.

The epost service has solutions for:

• companies already presenting documents on their own web sites who wish to integrate with a consolidator to increase consumer market share
• companies who wish to present their documents on the epost service web site in order to offload the infrastructure necessary to maintain their own presentment sites

For more information contact a Relationship Manager at the Commercial Banking Centre nearest you.

^TM epost is a trademark of Canada Post corporation, used under licence.