Consistent Earnings Growth and Digital Engagement

Diversified Business Mix TD Q4 2022 Reported Earnings Mix25 Four key business lines Canadian Personal & Commercial Banking - Robust retail banking platform in Canada with proven performance U.S. Retail - Top 10 bank28 in the U.S. with attractive growth opportunities Wealth Management & Insurance - #1 online brokerage, institutional money manager29, Direct Distribution personal lines insurer 30, and Affinity Provider in Canada 31 Wholesale Banking - North American dealer focused on client- driven businesses Canadian Personal & Commercial, 42% 9 U.S. Retail Bank, 31%26 Wealth Management & Insurance, 13% Wholesale, 7% Investment in Charles Schwab, 8%27

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