Canadian Real Estate Secured Lending Portfolio Highlights

Wholesale Term Debt Composition62 Funding Strategy Wholesale term funding through diversified sources across domestic and international markets Well-established C$80 billion Legislative Covered Bond Program is an important pillar in global funding strategy ■ Programmatic issuance for the established ABS program, backed by Canadian credit card receivables, in the U.S. market Broadening of investor base through currency, tenor and structure diversification " Recent transactions: C$2.00B 3.5Y Fixed Senior Debt USD$4.50B 3/5/10Y Fixed & Float Senior Debt €2.50B 5Y Fixed Covered Bond C$1.50B 3.5Y Fixed Senior Debt C$0.85B 5Y Fixed Preferred Shares By Currency 88,89 GBP $6B 4% AUD $3B 2% EUR $22B 16% CAD $56B 40% USD $51B 38% GBP£1.00B 5Y Fixed Senior Debt €1.50B 8Y Fixed Senior Debt USD$2.00B 5Y Fixed Covered Bond GBP£1.00B 3Y Float Covered Bond By Term 88,89 TD Wholesale Term Debt 88,89 4 to 5 Year $56B 40% < 4 Year $38B 28% 5 to 7 Year $23B 17% > 7 Year $21B 15% Term Asset Backed Securities $2B 1% Mortgage Securitization87 $15B 11% Senior Unsecured MTN $76B 55% Capital 86 $18B 13% Covered Bonds $27B 20% 44

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