Customers Glossary Allies
A person or a group of people who help build a more inclusive environment and work to find common ground with others.
ATM (Automated teller machine) A computerized telecommunications device that provides clients of a financial institution access to their funds and/or banking in a public space without the need for a physical teller or cashier to process the transaction.
Carbon dioxide equivalent (CO2 e)
The standard unit for measuring Greenhouse Gases (GHGs). Each GHG has a different global warming potential and CO2
for comparability purposes.
Carbon (or GHG) footprint The total set of greenhouse gas emissions caused directly and indirectly by an individual, event, organization, product or service expressed as carbon dioxide equivalent (CO2
e).
Carbon-neutral The end result of an individual, business, or organization whose efforts to eliminate their impact on the environment result in no net greenhouse gas emissions being contributed to the atmosphere. It does not mean that an organization produces zero GHG emissions, but rather balances the amount of carbon released with the equivalent amount of reductions and offsets.
Carbon offset
A compensatory measure paid by one party for a reduction in carbon emissions made by another party. Carbon offsets are measured in metric tonnes of carbon dioxide-equivalent (CO2
e). One carbon offset represents the
reduction of one metric tonne of carbon dioxide or its equivalent in other greenhouse gases.
FSC (Forest Stewardship Council) An international not-for-profit membership-based organization that was founded in 1993, the FSC promotes responsible management of the world’s forests. It gives customers the opportunity to choose from socially and environmentally responsible forestry by setting standards and conducting independent certification and labeling of forest products.
Horizontal Benchmarking
In this context, horizontal benchmarking is the process of looking across to peer organizations to compare CEO/executive salaries.
Labour Market Availability This figure shows the availability of designated groups in the labour pool from which an employer may reasonably be expected to recruit. The number is derived from census information and helps provide context.
SFI
A type of paper certification that is governed by the Sustainable Forestry Initiative, which is an independent non-profit organization. The SFI promotes responsible forest management across North America.
Equator principles A set of voluntary standards designed to help banks evaluate the social and environmental risks associated with financing large infrastructure projects, such as pipelines and mining.
e standardizes them Certified paper
A certification given by certified sources indicating that the paper product is from responsibly managed forests and verified recycled sources. The Forest Stewardship Council (FSC) is one example of a certification system. Under FSC certification, forests are certified against a set of strict environmental and social standards.
CSA (Canadian Standards Association) A not-for-profit members-based association that works in Canada and around the world to develop standards for businesses, consumers, industries and governments regarding issues such as quality of life, public health and safety, trade facilitation and the environment.
Learning Management System (LMS) An online portal that allows employees to sign up for courses and other learning activities.
LEED
A designation that stands for Leadership in Energy and Environmental Design. LEED standards reduce a building’s environmental impact by considering: materials, building envelope, roofing, windows, glass, high efficiency HVACs, lighting, water usage, furnishings, equipment and appliances, and where viable, includes the reuse or recycling of construction materials.
Middle and other management
The category of “middle and other management” as determined by the Canadian Federal govern- ment for employment equity reporting: “Middle and other managers receive instructions from senior managers and administer the organisation’s policy and operations through subordinate managers or supervisors.” Refer to the HRSDC website for more information
Phishing
A form of fraud whereby an attempt is made to acquire information via electronic communication while masquerading as a trustworthy entity; this information can include passwords, credit card information and usernames, along with personal information such as addresses and dates of birth. Phishing often includes the use of a fake website that looks and feels like the legitimate version.
The TD Charitable Foundation (The Foundation)
The charitable giving arm of TD Bank in the U.S. whose mission is to serve the individuals, families and businesses in all the communities where TD Bank operates. The efforts of the Foundation are coordinated locally through TD Bank’s community relations departments and are focused on the areas of affordable housing, education and financial literacy, and the environment.
Thin client
The practice of hosting software on a central server, thereby reducing the power needed to run the application on the end-user’s computer.
Too Big to Fail
The “too big to fail” theory asserts that certain financial institutions are so large and so interconnected that their failure would be disastrous to the economy, and they therefore must be supported by government when they face difficulty. (Source Wikipedia)
Stakeholder A group or individual that has a more or less direct interest in the life of an organization or is likely to be affected by the organization’s decisions.
Workplace
Environment
Communities
How We Operate
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TD 2013 Corporate Responsibility Report
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