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TD now offers online statements for a wide range of products including loans, RSPs, lines of credit, mortgages and credit cards (in Canada) and day-to-day accounts (in Canada and the U.S.).

Clean Energy

TD promotes energy diversity as a means of meeting the growing energy demand and supply gap. TD offers programs aimed at retail customers, such as financing of small-scale renewables and insurance of hybrid and electric vehicles.

In 2010 TD launched an innovative financing program for the development of small-scale renewables projects by home and cottage owners, business owners, farmers and building contractors. This program focused on ground- mounted and rooftop solar energy and was largely linked to the Ontario Green Energy Act1,

which includes a feed-in tariff program. Despite some challenges

with administration of the regulation by the regulatory authority, the results to date clearly demonstrate the consumer value of such programs.

$2.6 billion

amount TD financed for clean energy projects

Lending for Small-Scale Renewables Projects Number of loans

Dollar value of loans ($ millions) kWh generated from the program

2012 669

$23.4 5,437,432

2011 438 $5.3

2010 56

$2.0 2,228,675 285,042

In 2012, TD provided loans for the purchase of small-scale renewable projects across Canada which composed primarily of solar photovoltaic systems and resulted in estimated annual GHG reduction of 930 tonnes CO2

Insurance

To encourage customers to reduce their carbon footprint, TD has offered financing and insurance of hybrid vehicles in Canada since 2008. In 2011 the program was extended to electric vehicles. Our business reflects a steady increase in consumer purchases of these fuel-efficient vehicles.

Insurance for Hybrid Vehicles 2012 Number of active hybrid discounts 11,053 2011 2010 9,213 7,823

TD Auto insurance customers reduced their GHG emissions by an estimated 5,850 tonnes CO2e through the use of Hybrid and Electric Vehicles (HEVs) in 2012.

In 2012 we also sponsored a market research study to assess interest in green insurance products. TD Insurance is considering expanding its green insurance product offerings as the results indicate consumers are willing to pay a premium for green insurance products for homes and vehicles.

+ Ontario Responsible Consumption Index 2012 (PDF)

TD Home Insurance With the recent escalation of severe weather events, the entire property and casualty insurance industry continues to play close attention to climate change. Along with industry associations, TD Insurance is working to develop risk mitigation solutions based on lessons learned from these events.

1

Ontario Bill 150, Green Energy and Green Economy Act, 2009 proclaimed in force May 14, 2009, enacting the Green Energy Act, 2009, and amending other statutes.

TD 2012 Corporate Responsibility Report

Be an Environmental Leader

e. By providing

loans for the purchase of these installations, TD has helped to enable the projects and associated emission reductions relative to grid power.