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Contents

Key Facts About TD ............. 4 Where We Operate ............. 5 CEO’s Message ................ 6 What We Value ................ 7

Engaging Stakeholders: The Art and Science of Listening ................... 9

Material Topics................ 14

Feature Articles on Embedding Corporate Responsibility Taking the Fear Out of Finance.... 16

TD Forests: Embedding the Environment in Our Business ..... 19

Building Diversity Into TD’s Cultural DNA.......... 22

How We Operate ............ 25 Corporate Governance ......... 25

Corporate Responsibility Governance.................. 26 Ethics and Compliance.......... 26

Be Customer-Focused ......... 28 Scorecard ................... 29 Service and Convenience ........ 30 Complaint Resolution........... 30

Helping Customers in Tough Times ............... 31 Responsible Sales and Marketing .. 32 Serving Diverse Needs .......... 32 Improving Access to Banking ..... 33 Improving Physical Access ....... 33

Build an Extraordinary Workplace .................. 34

Scorecard.................... 35

Why Employee Engagement Matters ........... 36

A Diverse and Inclusive Workforce ................... 37 Talent Acquisition.............. 38 Retention.................... 38 Compensation ................ 39 Retirement and Benefits......... 39

Personal Performance and Career Development ........... 40

Be an Environmental Leader ... 42 Scorecard.................... 43 Reducing Our

Operational Footprint........... 47 Improving Energy Efficiency . . . . . . 49 Responsible Financing .......... 53 Sustainable Investing ........... 56 Green Options for Customers .... 57 Engaging Stakeholders.......... 59

TD 2012 Corporate Responsibility Report

Strengthen Our Communities ................ 60

Scorecard.................... 61 Community Investment ......... 62 Trends and Challenges in 2012 ... 65 Impact of Employees ........... 66 Four Stories of Impact .......... 67 TD’s Economic Contribution...... 71 The Taxes We Pay and Collect .... 72 Supply Chain ................. 73 Public Policy.................. 74

About This Report 2012 GRI Index ............... 78

Ernst & Young Assurance Statement ................... 89