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Top Headlines

For Immediate Release
August 15, 2002

Contact:
Brian Arsenault
(207) 761-8500
E-mail: barsenault@banknorth.com

Web Site: http://www.tdbank.com/

Banknorth Group Staff Promotions & Hires, Summer & Fall 2002

Banknorth Group, Inc., headquartered in Portland, Maine, is one of the country's 35 largest commercial banking companies with total assets of $21.3 billion at June 30, 2002. The Company's banking subsidiary, Banknorth, N.A., operates banking divisions in Maine, New Hampshire, Vermont, New York, and Connecticut, as well as Massachusetts.

The Company also operates divisions and subsidiaries in insurance, money management, investment planning and leasing. Other subsidiaries and divisions provide services in mortgage banking, government banking, asset based lending, private banking, merchant services and other financial services. For more information about Banknorth, visit the company online at http://www.banknorth.com.

LINDA M. MACMILLAN PROMOTED TO VP AT BANKNORTH INVESTMENT

Linda M. MacMillan has been named vice president at Banknorth Investment Management Group, the money-management subsidiary of Banknorth Group in Portland. She is responsible for the administration of profit sharing and 401(k) plans, including enrollment education meetings.

MacMillan joined Banknorth in 2000 and has 16 years in banking. She previously served as an assistant vice president. MacMillan is a member of the Maine Employee Benefit Council.

A resident of Portland, MacMillan attended the University of Southern Maine and is a 1984 graduate of Deering High School.
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JAY D. MILLIGAN PROMOTED TO HR OFFICER AT BANKNORTH

Jay D. Milligan has been named an officer in the Human Resources Department at Banknorth Group in Portland. He will continue to work with the director of human resources on compliance reporting and corporate worker's compensation coordination, as well as other administrative issues.

Milligan joined Banknorth in 1988 and has 17 years in banking. He is a member of the Southern Maine Human Resources Association.

A resident of Windham, Milligan serves as a volunteer for the United Way of Greater Portland. Originally from Rumford, he attended Boston University and is a 1979 graduate of Rumford High School.
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NATHAN L. GRAHAM PROMOTED TO VICE PRESIDENT AT BANKNORTH GROUP

Nathan L. Graham has been named vice president in the Finance Department at Banknorth Group in Portland. In his new role as a line of business controller, he is responsible for all planning, forecasting and analysis for Banknorth's fee-based business, including investment planning and management, insurance, marketing, e-commerce and sales.

Graham joined Banknorth in 2000, previously serving as an assistant vice president and financial analyst. Prior to Banknorth, he held various financial and managerial positions at Cole-Haan in Yarmouth. He is a member of the American Institute of Certified Public Accountants.

A resident of North Yarmouth, Graham is a 1989 graduate of the University of Vermont in Burlington.
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KRISTI L. DEMARCO PROMOTED TO ASSISTANT VICE PRESIDENT AT BANKNORTH

Kristi L. DeMarco has been named assistant vice president in the Consumer Lending Department at Banknorth Group, Inc., in Portland. She will continue to manage the liquidation and repossession of the bank's assets.

DeMarco joined Banknorth in 1998, and previously served as a repossession and liquidation manager.

A resident of Cape Elizabeth, DeMarco serves as a volunteer for the American Heart Association. She is a 1992 graduate of Cornell University and a 1989 graduate of Cape Elizabeth High School.
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MICHAEL G. MARCHAND PROMOTED TO ASSISTANT VICE PRESIDENT AT BANKNORTH

Michael G. Marchand has been named assistant vice president in the Consumer Collections Department at Banknorth Group, Inc., in Portland. He will continue to manage the department's early delinquency team.

Marchand joined Banknorth in 1996 and previously has served as an officer, a unit supervisor, an operations manager and a collections representative.

A Portland resident, Marchand serves as a United Way volunteer. He is a 1998 graduate of the University of Southern Maine in Portland. A native of York, Marchand is a 1991 graduate of York High School.
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SHAWN A. BABINE PROMOTED TO ASSISTANT VP AT BANKNORTH GROUP

Shawn A. Babine has been named an assistant vice president in the Commercial Loan Administration Department at Banknorth Group, Inc. in Portland. A commercial project manager, he will continue to be responsible for coordinating and executing high-priority projects involving a range of Banknorth departments.

Babine joined Banknorth in 2001 and has six years in banking. He previously has served as an officer at Banknorth and as a commercial credit administration manager and officer at a bank in Auburn.

A Scarborough resident, Babine presently serves on the Scarborough Board of Education and is a candidate for the town council. He also serves as deputy director of the American Legion's Boys State Program and is a member of the Scarborough Visioning Committee. Babine is a 1992 graduate of the University of Southern Maine and in 1998 received an MBA from Southern New Hampshire University in Manchester. A native of Bath, he is a 1984 graduate of Morse High School.
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SUZANNE CLERMONT PROMOTED TO SENIOR VICE PRESIDENT AT BANKNORTH

Suzanne Clermont has been named a senior vice president in the Finance Department at Banknorth Group, Inc. in Portland. She will continue to provide line of business support in her role as a financial analysis manager for a variety of Banknorth departments, including retail banking, electronic and direct banking, consumer lending and treasury.

Clermont joined Banknorth in 1998 and has 15 years in banking. Prior to joining Banknorth, she served in senior finance positions at banks in New Hampshire and Massachusetts.

A Portsmouth, N.H. resident, Clermont is a 1989 graduate of Daniel Webster College in Nashua.
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TAMMY E. DAVIS PROMOTED TO ASSISTANT VP AT BANKNORTH GROUP

Tammy E. Davis has been named an assistant vice president in the Information Technology Department of Banknorth Group, Inc. at the Bates Mill in Lewiston. An information technology customer support manager, she will continue to oversee the daily operations of the customer support division, focusing on management of corporate help desk support, problem resolution and network operations center activities.

Davis joined Banknorth in 1994 and has more than 8 years in banking. In addition to holding a variety of IT positions, she also served in the deposit operations division at Banknorth. She is a member of the National Help Desk Institute.

A Sabattus resident, Davis volunteers as an officer for the Sabattus Elementary School PTA. She is presently completing her final year at the University of Southern Maine. Davis is a 1991 graduate of Lewiston High School. She and her husband, Jason, have three children, Alexandra, Andrew and Abigail.
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DANIEL P. WINN PROMOTED TO ASSISTANT VP AT BANKNORTH GROUP

Daniel P. Winn has been named an assistant vice president in the Technology Department at Banknorth Group in Lewiston. He will continue to provide configuration and administrative support for Banknorth's information network in his role as Unix System Administrator.

Winn joined Banknorth in 2000 as an officer. He has previously served as a system administrator for AT&T Network Services in Atlanta.

A resident of Auburn, Winn is a native of Ellsworth.
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MIRIAM M. HAWLEY PROMOTED TO ASSISTANT VICE PRESIDENT AT BANKNORTH

Miriam M. Hawley has been named assistant vice president in the Direct Marketing Services area of the Marketing Department at Banknorth Group in Portland. She will continue to manage direct marketing plans for Banknorth.

Hawley joined Banknorth in 1992. She previously has served as an assistant advertising manager and a merchandising/collateral manager at Banknorth and other banks. She is a member of the ABA and DMA.

A Portland resident, Hawley is a 1993 graduate from the University of Southern Maine, and last year received her degree from the School of Bank Marketing & Management. A native of Sedgwick, Hawley is a 1987 graduate of George Stevens Academy.
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REBECCA JUDD PROMOTED TO VICE PRESIDENT AT BANKNORTH

Rebecca Judd has been named vice president in the Corporate Compliance Department at Banknorth Group in Portland. She will continue to manage lending compliance for Banknorth, N.A., a subsidiary.

Judd joined Banknorth in 1999 and has 23 years in banking. Before joining Banknorth, she served as a compliance officer at mortgage companies outside Maine.

A South Portland resident, Judd is a volunteer with the March of Dimes. She received an MBA from the American Graduate School of International Management in Glendale, Ariz., and an undergraduate degree from Scripps College in Claremont, Calif.
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JUSTINE S. WEBBER PROMOTED TO VICE PRESIDENT AT BANKNORTH

Justine S. Webber has been named vice president in the Residential Mortgage Department of Banknorth Mortgage Group in Falmouth. She will continue to oversee development and implementation of new and revised residential mortgage loan products and programs.

Webber joined Banknorth in 1996 and has 20 years in banking. She previously has served in mortgage sales and underwriting at Peoples Heritage Bank and, prior to that, in a variety of loan-related capacities with other banks.

A Cumberland resident, Webber is a 1981 graduate of the University of Maine in Orono. A native of Orono, Webber is a 1977 graduate of Orono High School.
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