Toronto-Dominion Bank is a Canada-based bank that mainly operates in North America. The Bank divides its activities into three segments: Canadian Retail, U.S. Retail and Wholesale Banking. The Canadian Retail segment provides a range of financial products and services to customers in the Canadian personal and commercial banking businesses, including credit cards, auto finance, wealth and insurance businesses. The U.S. Retail segment consists of the Bank's retail and commercial banking operations under the brand TD Bank and America's Most Convenient Bank, as well as wealth management services in the United States. The Wholesale Banking provides a range of capital markets, investment banking, and corporate banking products and services, including underwriting and distribution of new debt and equity issues, providing advice on strategic acquisitions and divestitures, and meeting the daily trading, funding and investment needs of its clients.