Investor Presentaiton

TD Global Legislative Covered Bond Program Highlights TD has a C$80B legislative covered bond program ☐ ☐ Covered bonds issuance for Canadian issuers governed by CMHC-administered guidelines Only uninsured Canadian residential real estate assets are eligible, no foreign assets in the pool Covered pool is composed of 100% amortizing mortgages Strong credit ratings; Aaa / AAA 19,93 TD has C$32.9B aggregate principal amount of covered bonds outstanding and the total cover pool for covered bonds is -C$50.6B. TD's total on balance sheet assets are ~C$1,840.81B, for a covered bond ratio of 1.79% (5.5% limit) 94 TD joined the Covered Bond Label 95 and reports using the Harmonized Transparency Template Cover Pool as at July 31, 2022 TD High quality, conventional first lien Canadian Residential mortgages originated by TD All loans have original LTVs of 80% or lower. Current weighted average LTV is 39.31%96 The weighted average of non-zero credit scores is 782 Current LTV 28% 25% Issuances CAD AUD 10% 2% GBP 8% USD EUR 21% 59% Provincial Distribution Interest Rate Types 7% Quebec 8% Atlantic 2% British Columbia 20% Variable 25% Ontario 56% Fixed 75% Prairies 14% <599 18% 11% <20 20.01-30.00 30.01-40.00 40.01-50.00 50.01-55.00 Credit Score 55.01-60.00 6% 60.01-65.00 2% 2% 65.01-70.00 70.01-75.00 0% 0% 0% 75.01-80.00 >80.00 1% 1% 5% 12% 600-650 651-700 701-750 751-800 35% 46% >800 47

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