Financial Performance and Outlook

Endnotes on Slides 4-5 TD Slide 4 1. The Bank prepares its consolidated financial statements in accordance with International Financial Reporting Standards (IFRS), the current generally accepted accounting principles (GAAP), and refers to results prepared in accordance with IFRS as the "reported" results. The Bank also utilizes non- GAAP financial measures such as "adjusted" results (i.e., reported results excluding "items of note") and non-GAAP ratios to assess each of its businesses and measure overall Bank performance. The Bank believes that non-GAAP financial measures and non-GAAP ratios provide the reader with a better understanding of how management views the Bank's performance. Non-GAAP financial measures and ratios used in this presentation are not defined terms under IFRS and, therefore, may not be comparable to similar terms used by other issuers. See "Financial Results Overview" in the Bank's 2023 MD&A (available at www.td.com/investor and www.sedar.com), which is incorporated by reference, for further explanation, reported basis results, a list of the items of note, and a reconciliation of adjusted to reported results. For further information on items of note, please see slides 25 and 26. 2. 3. For additional information about this metric, refer to the Glossary in the Bank's 2023 MD&A, which is incorporated by reference. This measure has been calculated in accordance with the Office of the Superintendent of Financial Institutions Canada's (OSFI's) Capital Adequacy Requirements guideline. Slide 5 1. U.S. Retail Deposits exclude Schwab and TD Ameritrade insured deposit accounts. 2. Includes assets under administration (AUA) and assets under management (AUM) administered or managed by Wealth Management & Insurance, U.S. Retail, and TD Investor Services, which is part of the Canadian Personal and Commercial Banking segment. Please refer to Slide 4, Endnote 2. 3. 4. Credit Card spend is reported as total retail sales, net of any returns. Debit Card spend is also net of returns. 5. The average number of trades (equities, options, GICs, mutual funds, money market instruments & bonds) during the period, per trading day. 46 46

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