Investor Presentaiton

U.S. Retail Personal & Commercial Banking Top 10 bank 65 with over 9MM customers, operating retail stores in 15 states and the District of Columbia Offer online and mobile banking tools; instant debit card issuance, mobile check-in available at stores, and point of sale and payments solutions for business, including direct integration with Autobooks to support online invoicing and payments or small business clients Introduced TD Essential Banking, a low-cost, no-overdraft-fee deposit account and announced overdraft policy changes to enhance access to financial services for underserved communities Launched TD Home Access Mortgage, a new product designed to increase home ownership opportunities in Black and Hispanic communities across several markets within our footprint Ranked #1 in total number of approved U.S. Small Business Administration (SBA) loan units in our Maine-to-Florida footprint for the fifth consecutive year in 2021 Ranked #1 in the 2021 J.D. Power Small Business Banking Satisfaction Study in the South Region for the third time63 Auto Lending Indirect retail lending through dealers across the country and comprehensive solutions for dealers, including floor plan, commercial banking and wealth management TD Auto Finance ranked "Highest in Dealer Satisfaction among Non- Captive Lenders with Prime Credit" 27 for the third year in a row in the J.D. Power 2022 U.S. Dealer Financing Satisfaction Study Credit Cards TD Private label and co-brand credit card offering for U.S. customers of regional and nationwide retail partners, including Target and Nordstrom Issuer of TD branded credit cards for retail and small business customers, including Double Up, a leading cash back offering that enables customers to earn 1% on purchases and a bonus 1% when points are redeemed as cash into a TD deposit account Our Retail Card Services business established financing partnerships with home furnishings brand RH (formerly Restoration Hardware) and jewelry retailer Blue Nile, to launch private label credit card programs Wealth ☐ Serve the wealth management needs of Mass Affluent, High Net Worth and Institutional clients through a network of store-based advisors across the TD AMCB footprint and robo-advisor (TD Automated Investing) and robo/hybrid (TD Automated Investing Plus) solutions Advisor-led client discovery and goals-based planning, offering banking, investment management, trust, estate planning and insurance and annuity products First Horizon Announced proposed acquisition of First Horizon on February 28, 2022, expanding TD AMCB into U.S. southeast; transaction expected to close in the first quarter of fiscal 2023, subject to closing conditions 35

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