Consistent Earnings Growth and Digital Engagement

TD Global Legislative Covered Bond Program Highlights ◉ TD has a C$80B legislative covered bond program Covered bond issuance for Canadian issuers governed by CMHC-administered guidelines Only uninsured Canadian residential real estate assets are eligible, no foreign assets in the pool Covered pool is composed of conventional amortizing mortgages Strong credit ratings; Aaa / AAA22,94 TD has C$35B aggregate principal amount of covered bonds outstanding and the total cover pool for covered bonds is C$57B. TD's total on balance sheet assets are C$1,918B, for a covered bond ratio of 1.80% (5.5% limit) 102 TD joined the Covered Bond Label 103 and reports using the Harmonized Transparency Template TD has adopted the 2023 Harmonized Transparency Template and is compliant with minimum disclosure and transparency standards as per Article 14 of the EU Covered Bond Directive TD Cover Pool as at October 31, 2022 High quality, conventional first lien Canadian Residential mortgages originated by TD All loans have original LTVs of 80% or lower. Current weighted average LTV is 42.67% 104 The weighted average of non-zero credit scores is 783 Current LTV 6% 14% 25% 22% 13% 10% 5% Issuances AUD GBP 9% CAD 2% Provincial Distribution Interest Rate Types Atlantic 2% Quebec 8% 7% USD British Columbia 20% 20% EUR Ontario 57% 62% Prairies 13% 50 Variable 26% Fixed 74% <20 20.01-30.00 30.01-40.00 40.01-50.00 50.01-55.00 Credit Score 2% 2% 75.01-80.00 0% 0% >80.00 55.01-60.00 60.01-65.00 65.01-70.00 70.01-75.00 <599 1% 600-650 14 5% 1% 651-700 701-750 12% 751-800 35% >800 46%

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