Dear Riverside National Bank of Florida Customers:

We are pleased to announce that TD Bank, America’s Most Convenient Bank® is coming to your area! With our acquisition of certain assets and liabilities of Riverside National Bank of Florida from the FDIC, and our existing presence in South Florida, we are committed to you and the state of Florida. We’ll be bringing you more convenience and the legendary service for which we are known––at over 1,000 locations, 2,660 ATMs, online, and over the phone.

Bank Confidently
Today, you can take comfort in knowing that as part of the TD Bank family, you’ll have the confidence and security that comes from one of the strongest banks in the world. We’re a member of TD Bank Financial Group, which has over $567 billion in assets and who received a Aaa rating by Moody’s and was recently ranked as one of the safest banks in North America by Global Finance Magazine.

• Please continue to bank just as you do today—served by the same people at the same locations.
• Rest assured your money is safe.
• Over the coming months, we will keep you up to date on our progress as we continue to Build The Better Bank.

For more information, read our Frequently Asked Questions or call us at 888-751-9000.

Again, welcome to the TD Bank family. We look forward to delivering legendary service and unparalleled convenience to you throughout Florida as TD Bank, America’s Most Convenient Bank.

Sincerely,

Bharat Masrani
President & CEO
TD Bank

The long term debt (deposits) of The Toronto-Dominion Bank, the parent company of TD Bank Financial Group, was as of March 4, 2010, rated Aaa by Moody’s Investor Services. The comparable rating for TD Bank, N.A. is Aa2. 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 trademark of The Toronto-Dominion Bank. Used with permission. | TD Bank, N.A.| Riverside National Bank of Florida and Riverside Bank are trade names of TD Bank, N.A.