Canadian Real Estate Secured Lending Portfolio Highlights

Endnotes TD 118.Adjusts for the impact of the accounting requirements for the U.S. strategic card portfolio. Subtracting the partners' share of the PCL removes a source of volatility that is not reflective of the Bank's underlying economic exposure. This can be done by adding Corporate PCL (which consists solely of the partners' share of the PCL) back to non-interest expenses. 119.Line 13 metrics reflect the adjustments described in lines 9 through 12 on slide 63. 120.Excluding only the impact of the US Strategic Card Portfolio partners' share, year-over year expense growth would have been 6.5% ($5,627MM in Q2 2021 and $5,993MM in Q2 2022, representing a year-over-year increase of $366MM). 73 23

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