Canadian Real Estate Secured Lending Portfolio Highlights

" TD Global Legislative Covered Bond Program Highlights TD has a C$80B legislative covered bond program Covered bonds 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 100% amortizing mortgages Strong credit ratings; Aaa / AAA 19,91 TD has C$28.9B aggregate principal amount of covered bonds outstanding and the total cover pool for covered bonds is ~C$54.1B. TD's total on balance sheet assets are -C$1,825.28B, for a covered bond ratio of 1.66% (5.5% limit) TD joined the Covered Bond Label 92 and reports using the Harmonized Transparency Template Cover Pool as at April 30, 2022 ☐ TD 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 42.16%93 The weighted average of non-zero credit scores is 783 Current LTV 25% 23% Issuances CAD 3% AUD 4% Provincial Distribution Interest Rate Types Quebec 8% Atlantic 2% 6% GBP 14% EUR 56% British Columbia 20% Ontario 56% USD 23% Prairies 14% Variable 24% Fixed 76% 14% 14% 10% 5% 2% 1% 0% 0% <20 20.01-30.00 30.01-40.00 40.01-50.00 50.01-55.00 Credit Score 55.01-60.00 60.01-65.00 65.01-70.00 <599 1% 600-650 1% 651-700 5% 12% 701-750 70.01-75.00 75.01-80.00 >80.00 751-800 35% 46% >800 46

View entire presentation