Security Alert — Radisson Hotels Credit/Debit Card Data Breach

TD Bank was recently notified by Visa^® that an illegal data intrusion into Radisson Hotels’ computer network may have resulted in the theft of some of a limited number of our Customers’ credit and debit card numbers. The intrusion affected a limited number of Radisson hotel locations in the United States and Canada. Radisson Hotels is running full-page advertisements in the Wall Street Journal and USA Today as well as mailing letters to impacted cardholders.

Some TD Bank Customers are affected and we are working with Visa and other agencies in the preliminary stages of this investigation. However, it is important to note that a security breach of this nature is card information only – no personal information linked to card numbers, such as Social Security numbers or personal identification (PIN) numbers were accessed.

Working in conjunction with Visa, we are closely monitoring these cards for suspicious activity. We have sophisticated fraud detection software that monitors every card transaction 24-hours-a-day, seven-days-a-week. And remember, with Visa's Zero Liability fraud protection, you are not responsible for any unauthorized transactions on your TD Bank debit or credit card accounts, as long as you notify us in a timely manner. At this time we do not have plans to reissue credit or debit cards to impacted Customers due to the aforementioned fraud detection tools we have in place.

You can read our Frequently Asked Questions below and visit Radisson Hotels’ website at www.Radisson.com/openletter, or call 866-584-9255 for more information. If you suspect any fraudulent activity on your credit or debit card, you should immediately call the 1-800 number listed on the back of your card(s).

A: Visa recently notified us that an illegal data intrusion into Radisson Hotels’ computer network may have resulted in the theft of a limited number of our Customers’ credit and debit card numbers. We take security breaches very seriously and will do everything possible to protect you. We have sophisticated fraud detection software that monitors every card transaction 24-hours-a-day, seven-days-a-week. It is important to remember that with Visa’s Zero Liability Protection, you are not responsible for any unauthorized transactions on your TD Bank debit or credit card accounts, as long as you notify us in a timely manner.

A: Information that gets compromised can be picked up many different ways with today’s modern technology. It is important to remember that with Visa's Zero Liability Protection, you are not responsible for any unauthorized transactions on your TD Bank debit or credit card accounts, as long as you notify us in a timely manner.

A: Unfortunately, there are many ways information can be fraudulently obtained. Dumpster diving, mail theft, direct access to personal documents in your home, stolen wallets or purses, online data theft, and impostors are just some of the ways that people obtain confidential information.

Keep in mind that your cards should be safeguarded at all times. Here are some things that you can do to protect yourself:

• Review bank statements for accuracy
• Never give your personal identification number (PIN) for your debit or credit cards by e-mail or phone
• Be suspicious of anyone who call or e-mails you seeking personal information
• When you need to provide a Social Security number or other confidential information ALWAYS know who you are providing this information to and why it is being requested
• Make sure that you are conducting business with legitimate businesses
• Tear up or shred confidential information before discarding

A: The breach reportedly took place over several months, from November 2008 through May 2009. If you used your debit or credit card during that timeframe at a Radisson Hotel location, it is possible that they could be compromised.

A: No, at this time we do not have plans to re-issue cards which may be affected by this breach. Rather, TD Bank will continue to employ sophisticated systems and procedures to help safeguard your transactions. You will not be responsible for any unauthorized transactions on your debit or credit card accounts. We will monitor card transactions for fraudulent activity. It is important to remember that with Visa's Zero Liability Protection, you are not responsible for any unauthorized transactions on your TD Bank debit or credit card accounts, as long as you notify us in a timely manner. In addition, we have sophisticated fraud detection software that monitors every card transaction 24-hours-a-day, seven-days-a-week. If you have concerns about your card(s), please call the 1-800 number on the back of your card.

A: This did not happen to our systems or network. We cannot guarantee that it will not happen again. However, we employ sophisticated systems and procedures to monitor card activity for potential fraud. We are closely monitoring these cards for suspicious activity, and we have fraud detection software that monitors every card transaction 24-hours-a-day, seven-days-a-week.