Investor Presentaiton

Canadian Real Estate Secured Lending Portfolio Highlights (Q3 2022) Canadian RESL credit quality remained strong ■ Uninsured average Bureau score 111 of 793 ■ 44% variable interest rate, of which 27% Mortgage and 17% HELOC Key origination metrics comparable or better than pre-pandemic Less than 1% of the RESL portfolio is uninsured, has a bureau score of 650 or lower and current LTV greater than 75% 91% of RESL portfolio is amortizing ■ 72% of HELOC portfolio is amortizing Condo and Investor 112 RESL credit quality consistent with broader portfolio ■ Condo RESL represents ~15% 113 of RESL outstanding with 24% insured Hi-rise condo construction loans are ~1% of the Canadian Commercial portfolio ■ Investor RESL represents ~10% of RESL outstanding TD Quarterly Portfolio Volumes ($B) $328 $334 $340 $348 $357 ■ Uninsured ■Insured 76% 77% 78% 79% 80% 24% 23% 22% 21% 20% Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Canadian RESL Portfolio - Current Loan to Value (%) 108 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Uninsured Insured 49 49 49 48 47 48 48 48 47 45 Regional Breakdown 110 ($B) $193 Uninsured 85% $71 $52 $357B ■Insured $9 $32 86% 58% 65% 73% 35% 15% 14% 42% 27% Atlantic BC Ontario Prairies Quebec 2% 20% 54% 15% 9% % of RESL Portfolio 59

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