Consistent Earnings Growth and Digital Engagement
Endnotes
TD
118.RESL Portfolio Current Loan to Value is calculated with the Teranet-National Bank House Price Index™ and weighted by the total exposure,
based on outstanding mortgage balance and/or the HELOC authorized credit limit for both insured and uninsured exposures. The Teranet-
National Bank House Price Index™ is a trademark of Teranet Enterprises Inc. and National Bank of Canada and has been licensed for internal
use by The Toronto-Dominion Bank's Real Estate Secured Lending team only. Teranet-National Bank House Price IndexTM data and marks are
used with the permission of Teranet Inc. and National Bank of Canada. The contents of this work and any product to which it relates are not
endorsed, sold or promoted by Teranet, NBC nor any of their suppliers or affiliates. None of Teranet, NBC, nor their third party data licensors nor
any of their affiliates make any express or implied warranties, and expressly disclaim all warranties of merchantability, fitness for a particular
purpose or use, adequacy, accuracy, timeliness or completeness with respect to the work product and any product it relates to. Without limiting
the foregoing, in no event shall Teranet, NBC, their third party licensors or their affiliates shall be subject to any damages or liabilities for any
errors, omissions or delays of the dissemination of the Index nor be liable for any direct, special, incidental, punitive or consequential damages,
even if they have been advised of the possibility of such damages, whether in contract, tort, strict liability or otherwise.
119. The territories are included as follows: Yukon is included in British Columbia; Nunavut is included in Ontario; and Northwest Territories is
included in the Prairies region.
120.Includes Small Business Banking and Business Credit Cards.
121.Average bureau score is exposure weighted.
122.Excludes the revolving portion of HELOC.
123.Investor RESL reflects RESL where collateral is a non-owner-occupied investment property.
124.Includes Small Business Banking and Business Credit Cards.
125.Consumer includes: Food, Beverage and Tobacco; Retail Sector.
126.Industrial/Manufacturing includes: Industrial Construction and Trade Contractors; Sundry Manufacturing and Wholesale Banking.
127.Other includes: Power and Utilities; Telecommunications, Cable and Media; Transportation; Professional and Other Services; Other.
128.Excludes acquired credit-impaired loans.
129.Loan To Value is calculated with the Loan Performance Home Price Index as of August 2022, based on outstanding mortgage balance and/or
the HELOC authorized credit limit. FICO Scores updated September 2022.
130.Other includes: Agriculture; Power and utilities; Telecommunications, cable and media; Transportation; Resources; Other.
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