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MATERIAL TOPIC Customer Service

Employee Engagement Responsible Financing WHY IT IS IMPORTANT TD’s ability to deliver on its brand promise of comfortable and convenient banking is core to our business strategy.

Our business strategy is focused on creating an extraordinary workplace to attract and retain great people, providing opportunities for career development.

TD is committed to the responsible lending and investing practices that consider financial, environmental and social aspects. We have a role to play in financing responsible extraction of traditional energy reserves and laying the groundwork for renewable energy development and deployment.

Diversity and Inclusion Financial Literacy Reducing Our Operational Footprint

TD operates in many diverse communities and we strive to reflect the communities that we serve. We treat diversity and inclusion as a business imperative.

As a bank, TD has a particular responsibility to educate consumers about financial products, ensuring that employees offer products responsibly and that we work with community organizations to increase financial proficiency.

With an aggressive growth strategy, there is a continuing need to manage the energy requirements and emissions of our business operations.

Community Development We have an ongoing commitment to the economic and social development of the diverse communities that we serve. Economic Uncertainty Executive Compensation Accessible Banking Corporate Governance Security, Privacy and Fraud Public Policy Supply Chain

The impacts of the economic downturn continue to affect our stakeholders, with high concern over household debt, job security and sustaining small businesses.

Relating to the loss of trust in the financial industry, we see continued public concern about high executive compensa- tion amounts, especially in the U.K. and U.S.

TD provides access to banking services and products through a number of low-cost accounts. It is important that low- to moderate-income individuals have alternative banking options.

Strong corporate governance is critical to reassure investors that TD has an exemplary code of conduct, ethics and compliance. With recent media attention on fines and compliance incidents across the financial industry this topic has increased in significance.

Protecting customer data is table stakes for all financial institutions. This topic has increased in concern due to increased regulatory focus and high consumer concern about identity theft.

We see increased stakeholder concern that a company’s public policy activities match the corporate responsibility values they publish.

We seek to purchase goods and services from suppliers who demonstrate ethical and environmentally responsible practices. Providing contract opportunities to diverse suppliers is another tangible way that TD supports local economies.

MORE INFORMATION

» Service and Convenience » Complaint Handling

» Why Employee Engagement Matters » Talent Acquisition

» Responsible Financing » Emerging Risks » FPIC Case Study » Sustainable Investing

» Building Diversity Into TD’s Cultural DNA » Serving Diverse Needs » A Diverse and Inclusive Workforce

» Taking the Fear Out of Finance » Responsible Sales

» TD Forests » Operational Footprint + Case Study: Greening Our Buildings (PDF)

» Strengthen Our Communities » Making a Neighborhood » TD’s Economic Contribution

» TD Helps » Microfinance

» Compensation

» Improving Access to Banking + Low-Cost Banking Options

» Corporate Governance » Ethics and Compliance

» Privacy » Security and Fraud Protection

» Public Policy » Supply Chain

TD 2012 Corporate Responsibility Report