TD Bank Soundness and Safety of Deposits

• It's business as usual at the bank.
• We are aware that a number of firms have had severe financial difficulties over the course of the last 18 months as the result of investments related to subprime lending.
• Lehman Brothers' bankruptcy filing and Merrill Lynch's sale do not impact our bank.

• TD Bank Financial Group's direct net exposure to Lehman is nominal.

• A number of commercial banks as well as investment banks have failed, or have struggled, as the result of investments tied to subprime lending and other complex loan products.
• You should take comfort in the fact that neither TD Bank nor TD Bank Financial Group is or has been in the subprime mortgage business, nor do we offer complex loan products.
• We are a strong and stable financial institution, and you should remain confident that your bank deposits with us are safe, covered by FDIC insurance up to the maximum allowable by law. We are available to provide you with the information you need to protect your deposits.

• No. You can take comfort knowing that it's business as usual at the bank.
• We welcome the opportunity to talk to you about our competitive deposit products and look forward to helping you achieve your financial goals.
• With a wide range of financial products and personalized service, we are a reliable banking partner for individuals and businesses of all sizes.

• TD Bank, N.A., operating as TD Banknorth and Commerce Bank, is a top 15 bank in the U.S. TD Bank, N.A. is a secure and solid financial institution with branches/stores from Maine to Florida. TD Banknorth and Commerce Bank are brand names of TD Bank, N.A.
• Our ultimate parent company, TD Bank Financial Group, is one of the largest and most respected financial institutions in North America, and one of the few banks in the world with a triple "a" debt rating from Moody's Investors Service.
  • Read about detailed credit ratings for TD Bank Financial Group and TD Bank, N.A.
• Neither TD Bank nor TD Bank Financial Group is or has been in the subprime mortgage business, nor do we offer complex loan products.
• We have conservative lending practices and continue to experience growth in our diversified loan portfolio.

• You should remain confident that your bank deposits with us are safe, covered by FDIC insurance.
• As a reminder, your deposits with us are FDIC-insured up to the maximum allowed by law. We are available to provide you with the information you need to protect your deposits.
• Find out specific information on the limits of FDIC insurance

• TD Bank, N.A. is and remains well capitalized and above regulatory minimums.

• No. It's business as usual.

• All financial service companies are being impacted by the current market conditions, and we are not immune to those conditions. We also believe TD's stock price is being affected by wide-spread investor skepticism about financial companies, particularly those with exposure to the U.S. That said, so far this year TD's stock price is down less than most of our Canadian and U.S. bank peers. TD has very high-quality earnings and we're confident that we are well positioned for the future.