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Building a Better Bank For You

As you may know, last fall, we announced plans to join together with Commerce Bank. Today, we're excited to share with you our next step in making this a reality. Working closely with Commerce Bank, we're building an organization that offers you the very best of both banks. Together, we will become known as TD Commerce Bank.1

You'll enjoy the same great service, same friendly people – plus more ATM access.

For now, everything remains the same and you can continue doing your banking as usual. You'll enjoy the same outstanding service from the same friendly people, as well as the convenient, hassle-free banking you've come to expect at TD Banknorth. Commerce Bank is known as "America's Most Convenient Bank®," which is great news for you! When we join together, you'll see enhancements such as more branch locations and longer hours, making banking even more convenient.

One great benefit begins right away. TD Banknorth and Commerce Bank customers can now use each other's ATMs, plus TD Canada Trust ATMs, free!2 That's more than 5,300 ATMs from Florida to Maine and throughout Canada. That's a lot of fee-free ATM access near home and on the road.

As always, you can take advantage of the full range of financial solutions for every aspect of your life, including insurance, wealth management, and business banking. And we'll continue looking to the extensive resources of our parent company, TD Bank Financial Group, to provide the support and stability you expect and deserve.

We promise to keep you informed.

We'll keep you informed about our progress and notify you well in advance of changes that might occur. For more information, read answers to frequently asked questions, stop by your branch or call us at 866-561-6442.

We're excited about the future and truly committed to building an even better bank for you. As we move forward, we will not lose sight of our first priority: you, our customer.

Bharat Masrani
Bharat Masrani
President & CEO
TD Banknorth

1. The combination of TD Banknorth, N.A., Commerce Bank, N.A., and Commerce Bank/North, which will result in the combined entity TD Bank, N.A., is subject to regulatory approvals. Upon receipt of such regulatory approvals, the merger of TD Banknorth, N.A., Commerce Bank, N.A., and Commerce Bank/North is expected to occur after the close of business on or about May 31, 2008. Our brand name will change from TD Banknorth to TD Commerce Bank sometime in 2009.

2. Visa's International Service Assessment Fee still applies.