Protecting your Privacy

• Information we receive from you on applications or other forms you may complete and provide to us, such as your name, address, social security number, assets, income and, in the case of applications for insurance, health and medical information;
• Information about your transactions with us, with members of other TD Banknorth companies or others, such as your account balance, payment history, products and services used, credit card usage; and
• Information such as your creditworthiness and your payment history that we receive from third parties, such as credit bureaus.

In some cases, we may obtain "protected health information" about you. "Protected health information" is information provided by a third party such as an insurer, health plan, employer or health care provider that identifies you and relates to your health or health care, including payment for that care. Among other things, TD Banknorth's insurance subsidiaries may obtain information regarding your medical condition if you apply for insurance coverage, and TD Banknorth may obtain information regarding medical treatment that you have received in the course of processing payments for that treatment.

Under certain circumstances, we disclose personal information about you to "nonaffiliated third parties" (i.e., third parties that are not affiliates of TD Banknorth). For example, we disclose personal information about you to third parties to assist us in servicing your TD Banknorth account, to government entities as required by law, or to anyone in response to subpoenas, and to credit bureaus. We will not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

We may disclose all of the information we collect as described above, except protected health information, to companies that perform marketing services for us or to other financial institutions with which we have joint marketing agreements. For example, we may, with a nonaffiliated company, jointly offer credit insurance or credit cards.

We will also provide nonpublic personal information to affiliates and other parties if you request us to do so or you give us your permission.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

TD Banknorth does not frequently hold protected health information, but, for example, it may receive protected health information from a health care provider to assist in processing payments to that provider. Or, TD Banknorth's insurance subsidiaries may collect protected health information and provide it to an insurer to assist in processing an insurance claim, or if you enroll to be a participant in a health plan. We are required to maintain the privacy of protected health information in accordance with the law and this notice, and to provide you with notice (including a paper notice upon request) of our legal duties and practices with respect to such information. We do not share protected health information among our affiliates or with third parties except to process transactions or to provide services you have requested or initiated. We may use or disclose protected health information, in connection with the payment or collection of health care costs or insurance premiums, or for purposes of insurance claim processing, enrollment or underwriting. We will not use or disclose your protected health information for any other purpose without your written authorization, which you may revoke, or as otherwise required or permitted by law.

You have the right to request restrictions on our use or disclosure of your protected health information, although we are not required to agree to a requested restriction. You have the right to request that we communicate your protected health information to you in a confidential manner. You have the right to inspect, copy and, if it is erroneous, amend your protected health information. And you have the right to receive an accounting of disclosures of your protected health information, although that right does not apply to disclosures to you or for purposes of treatment, payment or health care operations.

You may make any complaint about our use or disclosure of protected health information directly to us, or to the Secretary of Health and Human Services, and you will not be retaliated against for filing a complaint. If you wish to complain to us, or if you have any questions, please contact us as follows: TD Banknorth Inc., P.O. Box 9540, Portland, ME 04112-9540, Attention: Privacy Officer/Compliance, Telephone No. 800-211-1979 ext 126.

If you visit us on the Internet, we may place a "cookie" on your browser that records the number of visits made to our various Web pages; however, personal information is not collected. If you use our Online Banking or eBillPay programs, you may receive additional cookies which contain your unique identifier, allowing you to view and manage your accounts. These cookies may be linked to personally identifiable information.

E-mail sent within our online banking system is secure. The secure online transmission of information to us is only available from within your online banking account; after you have established a secure connection using Secure Socket Layer (SSL) encryption. You may also contact us by phone, postal mail or in person.

We preserve the content of your e-mail, your e-mail address and our response, so that we can more efficiently respond to any follow-up questions from you. We also retain this information to meet legal and regulatory requirements.

We do not direct any portion of the website to children, accept applications directly from children, knowingly collect, nor share personal information about them; unless the information has been provided by an adult in connection with opening a deposit account for or with the child. We won't send any unsolicited promotions to users who indicate they are less than 13 years of age unless the solicitation is in connection with an account opened by an adult.

This does not prevent parents from opening deposit accounts on behalf of their children. We will obtain parental consent prior to the creation of an account on behalf of a child.

• Tear up unused credit offers and other documents containing personal information before discarding them.
• Guard your social security number.
• Don't release information to people you do not know, especially over the phone or Internet.
• Review bank statements for accuracy.
• If you are denied credit for no apparent reason, obtain a copy of your credit report.

• Contact your bank and all others with whom you have a financial relationship.
• File a police report if you have had a loss.
• Report the fraud to the major credit bureaus:

Equifax 800-525-6285
Experian 888-397-3742
Trans Union 800-680-7289

For additional help, call the Federal Trade Commission at 877-ID-THEFT or visit their website at: http://www.consumer.gov/idtheft/.

Send us an e-mail.

1. A list of our divisions and subsidiaries can be found at the end of this document.
2. Our affiliates include those companies that control, are controlled by or under common control with TD Banknorth or TD Bank Financial Group, including The Toronto-Dominion Bank.

This privacy statement applies to individuals and not to business entities or business transactions. It is effective upon publication. We reserve the right to make changes to this statement. A current version of this statement will be issued at least annually and can be requested at any time. The statement is for general guidance and does not constitute a contract, nor does it modify or amend any agreements we have with you.

TD Banknorth Inc.
This privacy statement covers the following divisions and subsidiaries of TD Banknorth, N.A.*

TD Banknorth, N.A. Divisions

TD Banknorth Connecticut
800-428-7000

TD Banknorth Maine
800-295-7400

TD Banknorth Massachusetts
800-747-7000

TD Banknorth New Hampshire
800-224-5563

TD Banknorth New York
800-836-0853

TD Banknorth Vermont
800-257-0899

TD Banknorth Mortgage Group
800-442-1275

TD Banknorth Wealth Management Group
800-889-1153

Interchange Capital Company*
877-475-8880

TD Banknorth, N.A. Subsidiaries

TD Banknorth Leasing Corporation
800-462-3666

Bancnorth Investment Planning Group, Inc.
800-649-7077

Bancnorth Investment & Insurance Agency, Inc.
800-649-7077

TD Banknorth Insurance Group:

TD Banknorth Insurance Agency, Inc.
(CT) 800-443-6252
(ME, NH, VT) 800-723-2877
(MA - Methuen) 800-581-4667
(MA - Orleans) 800-257-9200
(MA - Springfield) 800-688-7256
(MA - Topsfield) 800-887-9989
(NY) 800-659-0123

*Interchange Bank merged with TD Banknorth, N.A. on January 1, 2007. Sometime after the merger, computer systems will be integrated, and Interchange Bank will become known as TD Banknorth, N.A.