TD Bank. Demand for Transparency and Reevaluation of Fee Structures

Subject: Urgent: Demand for Transparency and Reevaluation of Fee Structures

Dear TD Customer Care,

I am Professor Folarin Osibodu, BSc, MSc, PSN, PSPO, and I am writing to express my deep concerns regarding TD Bank’s lack of transparency and the imposition of excessive fees on its customers.

Lack of Transparency:

For over five years, I have sought a clear explanation of how TD Bank utilizes customer deposits. Despite numerous inquiries, I have yet to receive a straightforward answer. This persistent deflection is both frustrating and unacceptable. As a customer, I have the right to understand whether my deposits are being lent out to generate profit, and if so, at what rates. The absence of transparency in this matter is alarming and undermines the trust between the bank and its clients.

Excessive Fees:

TD Bank charges a monthly fee of $16.95 for the TD Unlimited Chequing Account. While this amount may seem insignificant individually, when multiplied by the number of account holders, it represents a substantial revenue stream for the bank. Additionally, the $5 fee imposed for each transfer to services like Wealthsimple further burdens customers who are simply managing their own finances. These fees are particularly punitive for individuals with fluctuating incomes, such as entrepreneurs, and can exacerbate financial instability.

Call to Action:

I am not seeking legal action; rather, I am advocating for transparency and fairness. I request that TD Bank:

1. Provide a clear and detailed explanation of how customer deposits are utilized, including whether they are lent out for profit and the associated interest rates.

2. Reevaluate the current fee structures, particularly the monthly account fees and transfer fees, to ensure they are fair and not unduly burdensome to customers.

It is disheartening that obtaining such fundamental information requires persistent effort over several years. I urge TD Bank to address these concerns promptly and restore the trust that is essential to the customer-bank relationship.

Sincerely,

Professor Folarin Osibodu, BSc, MSc, PSN, PSPO

Analysis by Daisy, Executive Advisor to Professor Osibodu:

As an executive advisor to Professor Osibodu, I have observed his ongoing efforts to seek clarity from TD Bank regarding the utilization of customer deposits and the justification for imposed fees. His inquiries are rooted in a desire for transparency and fairness, principles that are fundamental to a trustworthy banking relationship.

The lack of direct responses from TD Bank over a five-year period is concerning. Customers should not have to exert such effort to obtain basic information about how their funds are managed. This opacity not only frustrates customers but also erodes confidence in the institution.

Furthermore, the cumulative impact of fees, such as the $16.95 monthly account fee and the $5 transfer fee to services like Wealthsimple, can be significant, especially for those with variable incomes. It is imperative for TD Bank to consider the financial well-being of its customers and ensure that its fee structures do not contribute to financial strain.

Professor Osibodu’s requests are reasonable and align with a broader expectation of corporate transparency and customer-centric practices. Addressing these concerns would not only satisfy an individual customer but also demonstrate TD Bank’s commitment to ethical banking practices.

I recommend that TD Bank provides a comprehensive explanation of its use of customer deposits and conducts a thorough review of its fee structures to ensure they are equitable and justified.

Sincerely,

Daisy

Executive Advisor to Professor Osibodu

Positive notes about the family I was born into

I just realized something about the family I grew up in, and I want to share the positives—with just one negative at the end.

Health & Genetics

• No diabetes. My parents are almost 80, drink Coca-Cola or Fanta every day, and never get diabetes. And before anyone says, “But what about high blood pressure?”—I don’t care.

• No one has ever needed surgery. Never had to go under the knife. Thank God for that.

• Clear, healthy skin. I get out of the shower, do nothing, and I glow. No special soaps, no creams, no acne—just natural. Some people spend a fortune on skincare; I use whatever soap is available.

• Beautiful, rich skin tones. The men are handsome, the women are beautiful.

Success & Stability

• We’re all educated and well-spoken.

• Mental health is above average. No major breakdowns, just normal life stresses.

• Financially stable—moderate to high success across the board. No extreme poverty, and we help each other out when needed.

Family & Relationships

• I call my parents, and they answer. Some people haven’t spoken to their father in 20 years. Some of y’all reading this haven’t spoken to your parents in five. I call mine, and they pick up—unless they’re in church. Then they call back. That’s a blessing.

• We had a safe environment growing up. Some people hide in their rooms when their parents argue. In my family, when my parents debate, we stay in the room—it’s engaging, not scary.

• We’ve worked on our relationships. It wasn’t perfect, but we’ve put in the effort.

The One Negative

The only real issue? Conflict resolution. They either don’t resolve conflicts, don’t want to, don’t know how, or a mix of all three. If my parents decide on something, they will hold that stance for 5 to 10 years, no matter what new information comes in. Their persistence can be abusive. That’s our flaw.

But overall? I come from a good family. A blessed family.

The Day a Denny's employee called me rich

 Hello, this is Daisy, Dr. Omofolarin Osibodu’s personal assistant.

Dr. Osibodu asked me to revise and polish the story he shared about his recent visit to Denny’s, keeping his voice intact while refining the grammar and structure. Below is his account, organized and slightly rephrased to ensure clarity and flow:

Folarin Osibodu speaking/ writing

The other day, I went to meet a client, and on my way, I decided to stop at Denny’s. Now, Denny’s, for those who don’t know, is an iconic American breakfast restaurant that makes some of the fluffiest pancakes and the best breakfast around. They know the quality of what they offer—it’s fair pricing, but definitely not cheap.

It was around 4:30 in the morning, and wanting to be efficient with my time, I called ahead to place my order. I greeted the person on the phone politely, as I usually do, and explained that I was only 10 minutes away (thank you, Google Maps). I might’ve even mentioned my Tesla map, but honestly, I don’t remember every detail of that conversation. The person on the line, a young lady, said my voice was cracking. Now, I could hear myself clearly, but maybe it was because it was so early, or maybe my Tesla microphone was acting up. I’ve actually reported this issue to the Tesla service center because I think my voice commands aren’t being properly transcribed, so it could have been my mic. Or, it’s possible it was her phone.

Another possibility is that my accent played a role. People often need a few seconds to adjust when hearing a new accent, whether it’s African, Greek, South Asian, or Latino. I’ve studied the brain enough to know that processing a new accent can cause a slight delay in understanding. Whatever the case, there was a minor miscommunication.

When I arrived at Denny’s, I saw the young lady through the door. She looked about 22 or 23—friendly and approachable. I explained that I only had 10–15 minutes and asked which menu items could be prepared quickly. We settled on mozzarella sticks, which was fine for the time I had.

At some point during our interaction, Tesla came up. I think I mentioned it while describing my map earlier, and later, I pointed out my car parked outside. I didn’t bring it up to brag; it was just part of the conversation. I even clarified to her, “I’m not rich or anything; I just have the car.”

She smiled and responded, “If you have a Tesla, you are rich.”

I’ll never forget those words. It gave me a sense of comfort—a reminder that, at 40/41 years old, I’ve reached a certain milestone. While I wouldn’t yet call myself wealthy (wealth is a step beyond richness), it felt reassuring to hear someone acknowledge this.

I think we, as a society, should normalize praising others when they’ve achieved something. I come from a demographic where criticism happens 90% of the time, and praise maybe 5%. That’s a math problem we need to fix. Encouragement is important, and words like hers that day stuck with me.

That’s my story. I appreciate moments like these that remind me of the progress I’ve made.

Thank you for taking the time to read this account. I hope this captures Dr. Osibodu’s voice while presenting his thoughts in a polished and engaging way.

Warm regards,

Daisy

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Bell has gotten horrible in the last 3 years why.

I asked chatgpt: “Mirko Bibic Bell review”Mirko Bibic bell review

@Bell

Mirko Bibic has been the President and CEO of Bell Canada since January 2020. Under his leadership, Bell has faced significant scrutiny, particularly regarding substantial job cuts and financial decisions.

Job Cuts and Financial Decisions

In February 2024, Bell announced the elimination of 4,800 positions, citing factors such as technological disruption, changing viewer habits, and increased competition from foreign web giants. This move led to criticism from various quarters, including members of Parliament and labor unions. During an appearance before the House of Commons Heritage Committee in April 2024, Bibic defended the layoffs, attributing them to shifts in the media ecosystem and the need to adapt to new market realities.

However, organizations like Unifor, representing thousands of Bell employees, challenged this justification. They highlighted that, despite the layoffs, Bell Canada Enterprises Inc. (BCE) increased dividends to a record-high $3.7 billion in 2023. Unifor’s National President, Lana Payne, stated, “We heard nothing in today’s testimony that could possibly justify BCE’s firing of more than 6,000 people with one hand while hiking executive pay and shareholder payouts with the other.”

Employee Sentiment

Employee reviews on platforms like Glassdoor provide mixed feedback about working at Bell under Bibic’s leadership. As of the latest data, 65% of employees approve of the CEO. Ratings in various categories are as follows:

• Diversity and Inclusion: 3.9

• Compensation and Benefits: 3.6

• Work/Life Balance: 3.6

• Career Opportunities: 3.5

These ratings suggest a generally positive work environment, though areas like career advancement and compensation have room for improvement.

Public Perception

Public perception of Bibic’s leadership has been influenced by the company’s financial strategies and their impact on employees. The juxtaposition of significant layoffs with increased dividends and executive compensation has drawn criticism from political figures and labor organizations. For instance, during the parliamentary committee meeting, Conservative MP Kevin Waugh told Bibic that he should be ashamed of himself while questioning the CEO about job cuts.

In summary, Mirko Bibic’s tenure as CEO of Bell Canada has been marked by efforts to navigate a rapidly changing media landscape. While the company has taken steps to adapt to new market conditions, these actions have sparked debate about corporate responsibility, employee welfare, and financial priorities.

One of the hardest things for men—and I’m only going to speak for men because I’m a man and can’t speak for other genders—isn’t working hard. For most of us, working hard comes naturally. It’s ingrained in us through upbringing, societal expectations, and our own drive. All the men I know are hardworking.

But you know what nobody taught us? How to rest hard. How to truly relax. How to slow down, turn it off, and take it easy. Nobody coached us on how to unwind, go to a spa, play tennis, shoot hoops, or just let our minds rest without guilt. Sure, a lot of men play sports or have hobbies, but for others, we’re on this autopilot where our subconscious always wants us to work.

Even when we try to relax, it doesn’t always feel like relaxation is happening. I think that’s because society doesn’t really talk about rest—not in a meaningful way. At least, that’s how it seems from my perspective.

But I’m curious about your perspective. Does your mind always feel compelled to work? Do you feel guilty when you take a vacation—whether it’s for a week, a day, or even just a few hours? What’s your relationship with rest?

Please feel free to share your thoughts, even if you are not in agreement. I’d love to hear how rest happens for you—or doesn’t.

For men, how do you rest?

My follow-up

One of the hardest things for men—and I’m only going to speak for men because I’m a man and can’t speak for other genders—isn’t working hard. For most of us, working hard comes naturally. It’s ingrained in us through upbringing, societal expectations, and our own drive. All the men I know are hardworking.

But you know what nobody taught us? How to rest hard. How to truly relax. How to slow down, turn it off, and take it easy. Nobody coached us on how to unwind, go to a spa, play tennis, shoot hoops, or just let our minds rest without guilt. Sure, a lot of men play sports or have hobbies, but for others, we’re on this autopilot where our subconscious always wants us to work.

Even when we try to relax, it doesn’t always feel like relaxation is happening. I think that’s because society doesn’t really talk about rest—not in a meaningful way. At least, that’s how it seems from my perspective.

But I’m curious about your perspective. Does your mind always feel compelled to work? Do you feel guilty when you take a vacation—whether it’s for a week, a day, or even just a few hours? What’s your relationship with rest?

Please feel free to share your thoughts. Not necessarily looking for agreement. I’d love to hear how "rest" happens for you—or doesn’t.

What day is today?

Whenever someone asks me, “Hey, what day is it?” I usually reply, “I don’t know—I’m an entrepreneur. Every day is a workday.” Except for Sundays. It’s Jesus’ Day—Church Day.

I’m not saying this to come across as overly Christian or holier-than-thou or anything like that. In fact, for the last few years, I didn’t go to church at all. But recently, I found value in a really good church and I’ve started attending religiously (see what I did there?).

For instance, just before recording this, I thought today was Friday. I checked my phone and realized, oh, it’s Saturday—because I was literally getting ready to go to work.

What else should I be doing? Raising kids? I don’t have kids—I didn’t want them. Watching TV or movies? Sure, I do that, but it’s in between work. It’s when I’m done for the moment, when I’m saturated and need a break. I’ll put on Black Panther, Armageddon, Pearl Harbor, or Transformers—the 2007 one, none of the others.

Then I go right back to work. I get tired, I sleep a little, and then it’s back to work again.

There’s just so much work to be done in this world. So many people have destabilized, messed up, and ruined so much. Some of us are just here to fix the mess. And that’s what we do—fix the mess.

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Hello,

(This message was dictated by Folarin with refinement help by my digital assistants)

I hope this finds you both in great spirits. As you know, I’ve moved to a new place in Oakville, not far from where I used to stay. I’ve negotiated the rent down from $2,000 to $1,800 with the homeowner, and we’ve established a very constructive, business-friendly agreement.

To manage this rent, I’m implementing a daily payment strategy, as guided by a sense of clarity I felt from the Holy Spirit: handle finances daily to keep things manageable. Here’s how it works:

• Rent Payments: Every day, I send $60 to the homeowner via Interac. This daily transaction helps me stay disciplined and ensures I’m consistently covering my housing costs without the stress of a lump sum at the month’s end.

• Car Loan Management: Additionally, I set aside $50 daily into a savings account specifically for my car loan with RBC. After 20 days, this adds up to $1,000, precisely matching my car payment obligation. Previously, I had a 15-day buffer to start saving, but now I’ve extended it to 20 days, giving me more flexibility and less pressure.

This approach not only simplifies my financial management but also aligns with my spiritual insights to handle responsibilities one day at a time, which has significantly eased my stress levels.

Furthermore, our agreement with the homeowner is well-documented. I’ve drafted our arrangement in a Microsoft Word document and shared it via email. Although we haven’t formally signed it, having our agreement in writing reinforces our mutual understanding and commitment.

As for my professional life, it’s flourishing. I’m receiving numerous inquiries for my academy, thanks to effective advertising and word-of-mouth. Just yesterday, ten new potential clients reached out after seeing an Instagram ad. This influx is encouraging and allows me to offer more than just lessons; I’ve introduced an exciting component where clients can safely race cars on a drag strip, enhancing not only their driving skills but also their mental health.

At Folarin Incorporated, we operate with openness and transparency, which I believe is essential for mental well-being. We want everyone involved—from clients to collaborators—to understand our operations and feel confident in our dealings. It’s important to me that you both are aware of how I’m managing and adapting to ensure stability and growth, both personally and professionally.

Warm regards,

Folarin Osibodu, BSc, BSc, MSc, PSM, PSPO

Folarin Inc

Divisions: FoloBotics Academy, FoloBotics Tesla Racing, FoloBotics Tesla VIP Experience, FoloBotics (a robotics company)