Wholesale Banking - Positioned for Growth

TD ☐ " U.S. Retail Personal & Commercial Banking Top 10 bank¹ with over 10MM customers, operating 1,177 retail stores and 2,705 ATMs in 15 states and the District of Columbia Diverse range of financing products, including residential mortgages, home equity, unsecured lending, and business loans Full suite of chequing, savings, and Certificates of Deposit products and payment and cash management solutions Offer online and mobile banking tools; instant debit card issuance, mobile check-in available at stores, and point of sale and payments solutions for business, including direct integration with Autobooks to support online invoicing and payments or small business clients Enhanced the TD Overdraft Relief program on September 28, 2022, allowing customers to overdraw by up to US$50 before incurring an overdraft fee; providing 24 hours to cure and avoid a fee for those who overdraw by more than US$50; eliminating all overdraft transfer fees for customers using the savings overdraft protection service; and implemented an approach of processing all credits before any debits; launched Balance Threshold Alerts and Overdraft Threshold and Grace Period Alerts Eliminated non-sufficient funds fees and gift card inactivity fees Opened its first store in Charlotte, NC on May 12th Auto Lending Indirect retail lending through dealers across the country and comprehensive solutions for dealers, including floor plan, commercial banking and wealth management Real-time payments for the dealer network TD Auto Finance ranked "Highest in Dealer Satisfaction among National Prime Credit Non-Captive Automotive Finance Lenders❞2 for the fourth year in a row in the J.D. Power 2023 U.S. Dealer Financing Satisfaction Study ☐ Credit Cards Issuer of TD branded credit cards for retail and small business customers, including: - TD Cash, a card with a flexible 3-2-1 Cash Back reward structure that allows customers to optimize rewards in customizable categories that mean the most to them TD Double Up, a leading Cash Back offering that enables customers to earn unlimited 2% on all purchases TD Clear, a new subscription-based credit card with no interest-just a straightforward monthly fee of $10 for a $1,000 credit limit or $20 for a $2,000 credit limit TD FlexPay, a new credit card that provides cardholders with increased flexibility by giving them the option to schedule a Skip a Payment once every twelve billing cycles as well as our best balance transfer offer Private label and co-brand credit card offering for U.S. customers of regional and nationwide retail partners, including Target and Nordstrom Strategic Card Partnership business has extended the partnership agreements with Target through 2030 and with Nordstrom through 2026 Wealth Serve the wealth management needs of Mass Affluent, High Net Worth and Institutional clients through a network of store-based advisors across the TD AMCB footprint and robo-advisor (TD Automated Investing), robo/hybrid (TD Automated Investing Plus) solutions, and a Multi-custodial securities-based collateral lending platform Advisor-led client discovery and goals-based planning, offering banking, investment management, trust, estate planning and insurance and annuity products !33

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