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We are pleased to announce that TD Bank, America's Most Convenient Bank^®, a wholly owned subsidiary of
TD Bank Financial Group, has acquired certain assets and liabilities of three Florida Banks, including 58 branches of Riverside National Bank of Florida, 3 branches of AmericanFirst Bank and 8 branches of First Federal Bank of North Florida from the FDIC, effective immediately. These transactions, combined with the success of our U.S. franchise, put us in an even stronger position as we continue to Build The Better Bank.

Read our announcement advertisement.

Important Information for Customers of Riverside National Bank of Florida, AmericanFirst Bank and First Federal Bank of North Florida.

For detailed credit ratings for TD Bank Financial Group and TD Bank, N.A., visit http://www.td.com/investor/credit.jsp. TD Bank Financial Group is a trade-mark of The Toronto-Dominion Bank.

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SECURITIES AND INSURANCE
NOT FDIC INSURED	NO BANK GUARANTEE	MAY LOSE VALUE

Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

Beginning July 1, 2010 TD Bank, N.A. will no longer participate in the FDIC's Transaction Account Guarantee Program. Thus, after June 30, 2010, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC's general deposit insurance rules.

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