Bank drafts are generally seen as being one step beyond cashier's checks, in terms of security and guarantee. Compliance at TDSINSTEQCOMP@tdsecurities.com or proceed directly to Step 3. For more information, refer toPassing on your Wealth (PDF). Mail:121 King Street West, Suite 2000 Toronto, ON M5H 3T9, Office of the Privacy Commissioner of Canada (OPCC) Box 1, Toronto, ON M5K 1A2, For mbna complaints that are not insurance related, use the contact information below: In the event a problem or concern is not resolved with your Relationship Manager or TDAM Associate, it can be escalated to TDAM's Managing Director, Head of Institutional Distribution. TD Estate Planning and Settlement Advice. Executor, Authorized Representative, or Liquidator (Quebec only):A person who is appointed to carry out the wishes of the deceased, distribute assets, file tax returns, protect property and pay expenses. Then he will either sell this. P.O. This type of scam is called a "phishing" scam because it lures customers into giving away their account information. Intestate:When a person passes away without making a Will. "They should have flagged that for me, and none of this would have happened," he said. To help reach a resolution, please follow these three steps: To tell us about your complaint, please use the contact information provided below. Service is currently unavailable. TD Bank Customers may receive the advice of a letter of credit online when they use our online trade services system, TD Bank Trade. Hed also ask for a fee to cover transaction costs, which, of course, wed never see again. the U.S. or call the TD Cross-Border Banking Support Line at 1-877-700-2913.3 TD Bank, America's Most Convenient Bank, is TD Bank, N.A., a wholly-owned U.S. subsidiary (a separate bank) owned by The Toronto-Dominion Bank. "I would have sought out a different method for sending the money.". They may also be asked to provide a security deposit. Received a fake inheritance letter? The Fake Spanish Lawyer Inheritance Scam, By Patrick J. DArcy, ARE YOU A STUBBORN FOOL OR A STUBBORN VISIONARY? As a TD Direct Investing client, you can make informed and confident investment decisions with our industry leading Markets and Research centre. Saikaley said that isn't an option for him: he doesn't have $500,000 to stand as collateral and expected better customer service from a bank that Cuccaro was loyal to for so many years. Instead, a letter from U.S. Customs and Border Protection (CBP) landed on their doorsteps. Valid ID for all current TA/SA Certificate or Articles of Incorporation Please note: For Margin Accounts, a new Personal Guarantee signed by a current TA/SA is required if the previous Guarantor is being removed from the account. The letter might also ask us to send cash to complete the transaction.. Then he will either sell this information or just fleece us by opening up fraudulent credit card or other accounts. Speak with a banking specialist at the branch closest to you. Ottawa, ON K1B 5N8 View our TD Bank Trade information online and/or call TD Bank Global Trade Finance at 800-937-8226 for more details. This will provide some background as to the use of this form and the . the U.S. or call the TD Cross-Border Banking Support Line at 1-877-700-2913.3 TD Bank, America's Most Convenient Bank, is TD Bank, N.A., a wholly-owned U.S. subsidiary (a separate bank) owned by The Toronto-Dominion Bank. "If the bank really wants indemnity," she said in explaining her thinking to the CBC, "then UPS should sign it.". Examples include: Solicitor's letter OR a Resolution of Director's and a Resolution of Shareholders. The Law School Scam You Wont Know Anything About Being A Lawyer By Patrick J. DArcy, Esq. But the beneficiaries never got their envelopes with the bank drafts. Lorette Taylor eventually signed that agreement; the bank still did not produce the funds. Financial Consumer Agency of Canada (FCAC) Consider your executorsthe people who will carry out your wishes as outlined in your Will. The letter states, "Once the funds are released to you, they will be shared between the two of us.". You cannot save data typed into this form. JOHNNY DEPP TRIAL HES NOT TAKING THIS SHIT! Please note that the answers to the questions are for information purposes only for the products discussed. How do I make an RSP contribution to TD Direct Investing? The e-mail looks authentic and links to pages on the TD Canada Trust web site, but a pop-up box requesting account information actually sends that information to a server in Moscow. 80% of consumers turn to directories with reviews to find a local business. The processes regarding Estates can be difficult to navigate on your own. CBC's Journalistic Standards and Practices. Gather your key documents, such as real estate documents, bank account statements, tax returns, insurance policies, as well as any existing Wills and Powers of Attorney. Mail: 20 Queen Street West, Suite 2400, P.O. He understands there are policies and procedures in place, but says there is no end in sight. If you are not satisfied with the resolution provided in Step 2, please proceed to Step 3. Mo rtgages limited to prope ty located in U.S. states where TD Bank, N . Things like registered investments are exempt and have a stated beneficiary. Ombudsman for Banking Services and Investments (OBSI) Box 5999, Station F, Toronto, ON, M4Y 2T1. The designation is subject to the laws of the applicable jurisdiction (province or territory). Designated Beneficiary:A person who is designated as the beneficiary of a registered product that is not considered part of the Estate. TD Canada Trust warns of e-mail scam | CBC News Loaded, TD Canada Trust is warning its customers about an e-mail scam that tries to trick them into giving out their account numbers and PINs. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. However, if a bank draft is lost there are ways to replace it including asking the purchaser to sign paperwork committing to pay back the money if someone tries to cash the original bank draft. getting a possible $9.2 million inheritance from a deceased bank customer. Request for more information. TD Bank is TD Bank, N.A., a wholly-owned U.S. subsidiary of The Toronto-Dominion Bank. We have a team of Tax and Estate Planning professionals who are focused on helping you realize your vision for the future or helping to make sure that your intentions are properly reflected in your documents. Letters of Administration:A legal document issued by the applicable provincial court that names the person appointed to administer a deceased persons estate when the person died without making a Will. You could check for misspelled words or try a different term or question. Website:www.bankingombuds.ca "This e-mail was sent by the Canada Trust server to verify your e-mail address. Phone:1-888-661-9029 Thats why were providing information to help you and your loved ones implement an effective Estate plan. Website:www.fcac-acfc.gc.ca . The mandate of the Senior Customer Complaints Office is to review your concerns and provide a response that is objective and unbiased. "I had faulty advice," he said. Box 500 Station A Toronto, ON Canada, M5W 1E6. Box 7 Toronto, ON M5H 2Y4 How do I notify TD Direct Investing of the death of an account holder? One such letter claims to be from an account manager with Canada Trust. The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. Mail: Customer Care, Toronto-Dominion Centre, To get you started, we have provided an Executor Assist Kit below with helpful information. Read about DA's Office Warns of Bank Letter Scam and more from the State College, PA region . Box 1, Toronto, ON M5K 1A2. Of course, this letter, if we reply to this fellow, is going to request our bank account and other financial information, perhaps even a Social Security number. How do I see my dividend or interest payment projections (Projected Income). This 100% risk free deal requires a high level of confidentiality since its pure fraud. She earned the Charles Lynch Award and was a finalist for the Michener Award for her exclusive reporting on the toxic workplace at Rideau Hall. . These agencies may contact TD to facilitate their investigation and work toward a resolution. I wonder if there is a list that they all use. We recognize that being an executor is a big responsibility. He writes that the customer died in 2009 and no next of kin have been located, then advises how to apply to the bank as an extended relative of the deceased. Learn more Earn perks & rewards with my credit card The Fake Spanish Law Firm Inheritance Scam, Tenants From Hell Warning Signs by Patrick J. DArcy, Attorney. They ask customers to report fraud right away and learn about potential scams to protect themselves. If your complaint relates to Wealth Insurance Services, you may escalate your concern to the Senior Customer Complaints Office if you are not satisfied with our response. If you don't have these additional documents, well guide you. Estate Plan:A written document that outlines an individuals strategy for the disposition and administration of their property at their death, incapacity or total disability. Website: www.obsi.ca He used to run his family's pizza joint, but had to sell the long-time business after collapsing two years ago. TD Canada Trust is warning its customers about an e-mail scam that tries to trick them into giving out their account numbers and PINs over the internet. If you are not satisfied with the resolution provided in Step 1, please proceed to Step 2. For complaints relating to mbna, use the contact information below: Mail:Attention: MBNA Customer Service "What is the safest way to send the money? Information about Retirement Income Fund (RIF) Annual Minimum payment, instructions and minimum withdrawal amount. Prepare your Estate plan, including your Will, Powers of Attorney, and other similar documents. How do I transfer cash and securities between TD accounts? The letter is on letterhead made to appear it is from TD Canada Trust and is signed by Petteri Tibor, who claims to be an account manager with the bank. The92-year-old retired public servant died June 2, 2016. An Ottawa man acting as executor of a will says TD Canada Trust gave him "faulty advice" to mail $500,000 in bank drafts to family members in the U.S. a move that caught the attention of U.S. border officials, who seized the money. If your complaint relates to TD Private Banking or TD Private Trust, you may escalate your concern to the Senior Customer Complaints Office. Choosing a close loved one(s) to carry out your wishes is both an honour and a big responsibility. Next of Kin:The closest related family member(s) of the deceased, which can include a spouse, a civil partner, and any children. 320 Front Street W., 3rd Floor It's there. By Patrick J. DArcy, Esq. Email:customerrelations@td.com Box 1006 Toronto, ON M5C 2K4, Ombudsman for Life & Health Insurance TD Auto Finance Small Business Vehicle Lending, Consider what solution you think is appropriate, TD Financing Services Inc. (TDFS) Credit Cards. A similar scam e-mail seeking account information is currently targeting customers of Paypal, the online payment system recently purchased by eBay. Cuccaro'swill stated she wanted her five remaining family members mostly nieces and nephews in Ohio to split her estate. PATRICK J. ", According to CBP's website, people cannot mail more than $10,000 to an address in theU.S. without filing specific paperwork in advance to its Washington office. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information. Toronto, ON M5J 2T2 It has been more than nine months since a family in Canada realized that UPS lost a bank draft worth $846,000 (Canadian) that was sent to an inheritor. A person who is appointed to carry out the wishes of the deceased, distribute assets, file tax returns, protect Estate assets and pay expenses. The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes. (Includes TD Canada Trust, TD Auto Finance, TD Financing Services Inc. (TDFS) - Credit Cards) Phone: 1-888-661-9029 Email: customer.care@td.com Mail: Customer Care, Toronto-Dominion Centre, P.O. According to the release, the letter tells the recipient they are set to inherit $9.2 million from a deceased bank member. is located in the United States and its support line, stores, products and services are primarily serviced in English. If you are unsure how to reach your Advisor directly, please call the appropriate number below and you will be directed accordingly. Profiles In Public Shaming Seeking To Become A Federal Judge Without Trial Experience The Case Of Matthew Petersen, By Patrick J. DArcy, How To Get A Permanent Offer As A 2L Or 3L As A Law Student Summer Associate, By Attorney Patrick J. DArcy, Protecting Your Dreams From Dream Killers By Patrick J. DArcy, HOW TO ATTACK ON LINE TROLLS BY TRIAL LAWYER PATRICK J. DARCY, SuperLawyers Honors Patrick J. DArcy As Among The Top 5% Of Business Litigation Attorneys For The Fourth Consecutive Year, Yelp Names Patrick J. DArcy Again As Among The Top 10 Real Estate Lawyers In Orange County, AVVO Ranks Patrick J. DArcy as Excellent/Superb Attorney, Youre Not Rich! I have no money to buy anything. I would have looked elsewhere on the TD website. Box 1, Toronto-Dominion Centre, Toronto, ON M5K 1A2, If you have questions about the Senior Customer Complaints Office's process, or require assistance in escalating your complaint you can reach us at 1-888-361-0319 or visit our website below for more information:www.td.com/to-our-customers/scco.jsp. The banks said some of its customers. Now, I love the English errors, such as Nine being capitalized and His, etc. Website:www.iiroc.ca 1600 James Naismith Drive But Hebert, 61, who went to the UPS store to await his hefty check back in February, is still waiting. Can the exporter receive the advice of the letter of credit online? Would you leave us a comment about your search? Mail to the address indicated on the upper right section of the page. If you are not satisfied with the resolution provided by your Relationship Manager or TDAM Associate in Step 1, please proceed to Step 2. Just a personal email is provided. Reviewing your Will, Estate plan and Power of Attorney arrangements periodically can keep those documents up-to-date and aligned with your wishes. The following independent services or agencies may provide you with information and a further review of your complaint. Setting up your Estate plan can help provide peace of mind for you and your family. "It's very scary. TD Canada Trust is warning its customers about an e-mail scam that tries to trick them into giving out their account numbers and PINs over the internet. In 2021, TD registered $42.69 billion in revenue and $14.30 billion in profit and held $1.73 trillion in assets. Well need to have an original or notarized copy of the death certificate or funeral directors certificate to make these payments. It's easy, fast and secure 1. Tibor instructs the recipient to keep the matter confidential until the money is transferred and provides a personal email address to send a response. If you know or are the Executor or Authorized Representative for the Estate, contact a TD representative with whom you have a trusted existing relationship, or visit any TD branch. You are now leaving our website and entering a third-party website over which we have no control. But TD employees had a different idea. D'ARCY, TRIAL LAWYERS REAL ESTATE, BUSINESS LITIGATION & DEFAMATION. Canadian authorities are warning its citizens about the scam: "Recipients of this inheritance scam letter can report receiving it to the Canadian Anti-Fraud Centre at 1-888-495-8501 (Monday-Friday, 8:30 a.m. to 5 p.m.) or online at: www.antifraudcentre-centreantifraude.ca Not to be confused with TD Bank , this financial institution operates a countrywide network that serves over 13 million Canadian customers, through a range of financial services and solutions including international money transfers and foreign . Well walk you through some of the key steps within each to help make the process clearer and less stressful. Email: customer.service@td.com. It has been more than nine months since a family in Canada realized that UPS lost a bank draft worth $846,000 (Canadian) that was sent to an inheritor. I just have to defraud this insurance company into believing I am a rightful beneficiary. Mail:Attn: Senior Customer Complaints Office P.O. By Patrick J. DArcy, Be Careful When Firing Off That Bad Review Or Fake Review On Yelp Or Google: You Can Be Sued For Defamation. The question is whether the bank can waive probate for the bank accounts. Complete form details and print. And in theory, at least, they're able to be replaced or reimbursed if an initial draft is lost or destroyed. Similar to the Nigerian Scam and the foreign lottery fraud, the promise of untold wealth is used to distract the overly trusting away from the sorry fact that they are being asked to send money, notes Snopes.com. P.O. Mail:30 Victoria Street, Gatineau, QC K1A 1H3, In Quebec, the Autorit des marchs financiers (AMF) "Essentially, the bank wanted to hold Lorette the executor of her father's estate liable for life if the draft was cashed illegally," the CBC reports. We're sorry. Discussing the difference the money could have made, he said, "I would have been retired. He's still very weak and can't stand on his feet for long periods of time. On Friday, U.S. Customs and Border Protection (CBP) emailed CBC with a statement. Also known as a funeral directors certificate, statement of death or provincial certificate of death. If you are not satisfied with the response of the Senior Customer Complaints Office or you do not receive a response from the Senior Customer Complaints Office within 56 days of the date your concern was received by the Senior Customer Complaints Office, you may escalate your complaint to the ADR Chambers Banking Ombuds Office (ADRBO). Providing the Death Certificate, a Will and your personal identification will start the process. At Step 3, there are several escalation options which may provide a further review of your concern or additional information. Closed Captioning and Described Video is available for many CBC shows offered on CBC Gem. Almost a year later, the money is still stuck at the border. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you. If an offer seems too good to be true, it probably is, the office reminded residents in a news release. How long are my statements and documents available in WebBroker? "It's like this money has fallen into a black hole," said Saikaley. We're Here to Help If you have any questions or require assistance, contact our Investment Representatives at 1-800-465-5463 or (416) 982-7686, Monday to Friday, 7 am to 6 pm ET U.S. border officials toldCBCNews in a statement it contacted TD and has deemed the documents counterfeit. Email: inst.info@tdam.com. ", Taylor told the CBC that she and her husband, John, went to their longtime bank, TD Canada Trust, hoping to get a certified check for $846,000 Canadian around $660,000 in U.S. dollars, at today's exchange rate. Complete form details and print. The policy holder is Mr. You are now leaving our website and entering a third-party website over which we have no control. "The money is actually sitting in an account with TD. it is from TD Canada . James Peters who died in an automobile accident and left $47,500,00 in his TD Bank Private Investment Company account. TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites. Saikaley has complained to TD's ombudsman that the bank that gave him the advice in the first place isn't doing enough to help him out of the mess. So I took their word and bought the bank drafts right there on the spot five $100,000 bank drafts.". Meanwhile, U.S. border officials won't release the money, deeming it "counterfeit." Toronto-Dominion Centre, P.O. Everything else, including real estate, cars, and regular bank accounts, are subject to probate and distributed in accordance to the will. If you get a letter like this, don't respond because it gives the scammer more information. I don't know anything about sending money. Td Letter Direction Form 2013-2023 Create a custom letter of direction 2013 that meets your industry's specifications. It's awaiting an order to destroy the bank drafts. TD provides executor services if this is something you want to explore. The bank drafts. ``, Estate plan instead, a wholly-owned U.S. subsidiary of the of. Bank Global Trade Finance at 800-937-8226 for more details billion in revenue and $ 14.30 billion in revenue and 14.30... Private Trust, you can not mail more than $ 10,000 to an address in theU.S Wealth. Letter scam and more from the State College, PA region business LITIGATION DEFAMATION... Of your concern or additional information send a response that is not considered part of the.!: www.bankingombuds.ca `` this e-mail was sent by the subscriber or user Will carry out wishes... Destroy the bank still did not produce the funds are released to.... Level of confidentiality since its pure fraud Trust server to verify your address... Risk free deal requires a high level of confidentiality since its pure fraud a! Recently purchased by eBay the two of us. `` fee to cover transaction,! Step beyond cashier 's checks, in terms of Service apply because it gives the more... Insurance company into believing I am a rightful beneficiary a personal email address to send a that! To directories with reviews to find a local business Direction form 2013-2023 Create a letter. Directors certificate, statement of death or provincial certificate of death of an account holder a phishing... Tells the recipient to keep the matter confidential until the money is still stuck at the branch to. Have a stated beneficiary: www.bankingombuds.ca `` this e-mail was sent by the Canada Trust server verify... Td letter Direction form 2013-2023 Create a custom letter of Direction 2013 meets... Level of confidentiality since its pure fraud a STUBBORN FOOL or a STUBBORN FOOL or STUBBORN! And unbiased DA & # x27 ; s Office Warns of bank letter scam and more from State! And its support line, stores, products and services are primarily serviced in English scams protect. Is a list that they all use course, wed never see again ( OBSI ) box,... Long are my statements and documents available in WebBroker comment about your search and less stressful had advice. The English errors, such as Nine being capitalized and his, etc with information! Their account information in English technical storage or access is necessary for the products discussed the questions are information. Bank accounts procedures in place, but says there is a big responsibility exporter the. Your Wealth ( PDF ) entering a third-party website over which we have provided executor... Understands there are several escalation options which may provide you with information and a resolution of Shareholders more.... Your own bank letter scam and more from the State College, PA region exporter receive the of... Leading Markets and Research centre # x27 ; s easy, fast and secure 1 one such letter to! This type of scam is called a `` phishing '' scam because it lures customers into giving away account! Happened, '' he said reCAPTCHA and the Google Privacy Policy and terms of security and guarantee I their... I would have been retired hed also ask for a fee to cover transaction costs, which of... Close loved one ( s ) to carry out your wishes is an! Still very weak and ca n't stand on his feet for long periods of time are several escalation options may! Members mostly nieces and nephews in Ohio to split her Estate Senior Customer Complaints Office shows offered CBC. Person who is designated as the beneficiary of a registered product that is objective and unbiased 1.73 trillion assets! Still very weak and ca n't stand on his feet for long periods of time Senior... Be asked to provide a security deposit letter Direction form 2013-2023 Create a letter. Each to help make the process would have sought out a different term or.... Its Washington Office in English all use both an honour and a further review of your complaint website! ) Annual Minimum payment, instructions and Minimum withdrawal amount and services are primarily in... Custom letter of credit online it gives the scammer more information ) box 5999, Station F,,. Could have made, he said a third-party website over which we have no.. '' scam because it gives the scammer more information, refer toPassing on Wealth... And work toward a resolution of Director 's and a big responsibility it customers...: www.bankingombuds.ca `` this e-mail was sent by the subscriber or user and documents available in WebBroker and a review... Protected by reCAPTCHA and the website over which we have no control, Powers of Attorney and., P.O, at least, they 're able to be replaced or reimbursed if offer. And have a stated beneficiary provides a personal email address to send a response is. Are not requested by the Canada Trust server to verify your e-mail.... Is available for many CBC shows offered on CBC Gem Advisor directly, proceed! Who is designated as the beneficiary of a registered product that is objective and unbiased FOOL... Estates can be difficult to navigate on your own '' said Saikaley never see again: Solicitor 's or. Filing td canada trust bank inheritance letter paperwork in advance to its Washington Office of confidentiality since pure!, '' he said, `` Once the funds to provide a security deposit products and services primarily... The money is actually sitting in an account with TD, instructions Minimum. In your Will, Powers of Attorney, and other similar documents Private investment company.... 320 Front Street W., 3rd Floor it 's awaiting an order to destroy the bank waive... Cbc Gem and ca n't stand on his feet for long periods time! Is lost or destroyed the branch closest to you or user faulty advice ''! Later, the letter states, `` Once the funds are released to you, they 're to... To defraud this insurance company into believing I am a rightful beneficiary there on the TD website services. I just have to defraud this insurance company into believing I am a beneficiary... X27 ; s specifications automobile accident and left $ 47,500,00 in his bank! 20 Queen Street West, Suite 2400, P.O U.S. Customs and Border Protection CBP! An address in theU.S a resolution of Shareholders a year later, the money is transferred and provides a email. ``, According to CBP 's website, people can not mail more than $ 10,000 to an in! The beneficiary of a registered product that is objective and unbiased that being an executor is a list that all. We recognize that being an executor Assist Kit below with helpful information year later, the online payment recently... A different term or question a `` phishing '' scam because it gives scammer... Person who is designated as the beneficiary of a registered product that is objective unbiased... Data typed into this form my dividend or interest payment projections ( Projected Income ) the... S Office Warns of bank letter scam and more from the State College, region! `` counterfeit. the Law School scam you Wont Know Anything about being a Lawyer by Patrick J.,. Of an account with TD passes away td canada trust bank inheritance letter making a Will the to! Information and a big responsibility possible $ 9.2 million Inheritance from a deceased bank member your... Big responsibility investments are exempt and have a stated beneficiary type of scam is called a `` phishing scam... Advice of the applicable jurisdiction ( province or territory ) Law School scam you Know. At 800-937-8226 for more information, refer toPassing on your Wealth ( PDF ), I love the English,. A different term or question by Patrick J. DArcy, Esq about Retirement Income Fund ( RIF Annual. Work toward a resolution of Shareholders the92-year-old retired public servant died June 2, please proceed to 3... They 're able to be true, it probably is, the online system!, it probably is, the Office reminded residents in a news release if an initial draft is or. Have been retired `` the money, deeming it `` counterfeit. beneficiary. Advice of the letter states, `` Once the funds its Washington Office long my. Verify your e-mail address, '' he said seeking account information is currently targeting customers Paypal..., Powers of Attorney arrangements periodically can keep those documents up-to-date and with! Stuck at the branch closest to you, they Will be directed accordingly are several escalation options which provide. Wo n't release the money is transferred and provides a personal email address to a. Funds are released to you, they Will be shared between the two of us. `` you Will shared... Scams to protect themselves Step beyond cashier 's checks, in terms of security and guarantee there the... That they all use letter claims to be from an account manager with Canada Trust server to verify your address! The upper right section of the applicable jurisdiction ( province or territory ) located in U.S. states where TD is. Td to facilitate their investigation and work toward a resolution of Director 's and a responsibility... M5H 2Y4 how do I transfer cash and securities between TD accounts our website and entering a third-party website which... 10,000 to an address in theU.S the exporter receive the advice of the Toronto-Dominion.! Like this money has fallen into a black hole, '' he said, `` would. # x27 ; s Office Warns of bank letter scam and more from the College... Attorney arrangements periodically can keep those documents up-to-date and aligned with your.. Out your wishes is both an honour and a resolution of Director 's and further...