Consistent Earnings Growth and Digital Engagement

Forward Focused: Digital Adoption TD Digital Adoption (% of customers) 36 Active Mobile Users (millions)12 Self-Serve Transactions (as % of all financial transactions)37 +120 bps YoY 62.1 61.6 Canadian Retail 35 60.9 6.4 +8.1% YoY -20 bps YoY 6.9 6.8 92.0 91.8 91.6 Q4/21 Q3/22 Q4/22 Q4/21 Q3/22 Q4/22 Q4/21 Q3/22 Q4/22 U.S. Retail 35 51.4 +180 bps YoY 53.2 52.8 +8.1% YoY +80 bps YoY 4.5 80.1 80.0 4.4 79.2 4.2 Q4/21 Q3/22 Q4/22 Q4/21 Q3/22 Q4/22 Q4/21 Q3/22 Q4/22 14

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