Weak customer service hurts TD BANK’s reputation and causes customers to flee to competitors, who are more respondent… … "Customer Service (TD BANK)" has a significant impact, so an analyst should put more weight into it. This qualitative factor will lead to an increase in costs. This statement will lead to a decrease in profits. "Customer Service (TD BANK)" is an easy qualitative factor to overcome, so the investment will not have to spend much time trying to overcome this issue.