Financial Performance and Outlook

Endnotes on Slides 7-10 TD Slide 7 1. Canadian Personal and Commercial: based on Canadian Personal & Small Business banking. U.S. Retail: based on U.S. Retail and Small Business banking. 2. Active digital users as a percentage of total customer base. Canadian Personal & Small Business Banking excludes TDAF loan only customers. Active digital users are users who have logged in online or via their mobile device at least once in the last 90 days. 3. Number of active mobile users, in millions. Active mobile users are users who have logged in via their mobile device at least once in the last 90 days. 4. Canadian mobile sessions represent the total number of Canadian Personal banking and Small Business banking customer logins using a mobile device for the period. U.S. mobile sessions represent the total number of U.S. Retail banking and Small Business banking customer logins using a mobile device for the period. 5. Self-serve share of transactions represents all financial transactions that are processed through unassisted channels (Online, Mobile, ATM, and Phone IVR). Slide 9 1. Subject to 1PointFive's plant becoming operational. Slide 10 1. Please refer to Slide 4, Endnote 1. 2. Prior to May 4, 2023, the impact shown covers periods before the termination of the First Horizon transaction and includes the following components, reported in the Corporate segment: i) mark-to-market gains (losses) on interest rate swaps, recorded in non-interest income - 2023: ($1,386) million, 2022: $1,487 million, ii) basis adjustment amortization related to de-designated fair value hedge accounting relationships, recorded in net interest income - 2023: $262 million, 2022: $154 million, and iii) interest income (expense) recognized on the interest rate swaps, reclassified from non- interest income to net interest income with no impact to total adjusted net income - 2023: $585 million, 2022: $108 million. After the termination of the merger agreement, the residual impact of the strategy is reversed through net interest income 2023: ($127) million. Refer to the "Significant and Subsequent Events" section in the Bank's 2023 MD&A for further details. 3. FX impact solely related to the U.S. Retail Bank. Adjusted expenses excluding the partners' share of net profits for the U.S. SCP and adjusted expenses excluding the partners' share of net profits and FX are non-GAAP financial measures. For further information on accounting for the partners' program, please see slides 27 and 28. For further information about these non-GAAP financial measures, please see Slide 4, Endnote 1. Please refer to Slide 4, Endnote 2. 4. 47

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