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Responsible Banking


Building The Better Bank Material Issues How We Operate Responsible Banking


Economic Value Customer Service Privacy and Data Security Access to Banking Products and Services


Extraordinary Workplace Environmental Leadership Strengthening Communities Reporting


Products and Services


FS-7 WHY IT’S MATERIAL TO TD HEADLINE PERFORMANCE


We want our customers to understand their financial portfolios. That’s why TD embeds responsible design, marketing and education into our suite of products and services.


$5.1 billion saved


by TD Canada Trust customers through automated savings plans in 2014


MANAGEMENT APPROACH


As a major financial institution, TD aims to promote responsible attitudes towards money. Our goal is to design products and services that help customers conveniently manage their day-to- day finances and achieve financial goals – whether big or small – with simple and personalized advice.


749 families


assisted through TD Bank’s Right Step Mortgage®


program


We train our employees to take sufficient time to explain issues and answer questions. We make product and fee information readily available in our branches, stores, investment centres and websites, and our guidelines require us to present information about our products and services in clear, easy-to-understand language.


2014 PERFORMANCE 60,000 questions


answered through the TD Helps online platform


Low-cost banking for seniors The bank has made changes to the TD Minimum Account. The changes include an increase in the number of transactions, from eight to 12, and no monthly cost for those who receive Guaranteed Income Supplement (Canada) and those who are beneficiaries of TD Registered Disability Savings Plans (RDSP).


TD Connect Card TD Bank launched the new TD Connect Card in the U.S. – a pre-paid bank card to assist customers in better managing their money.


TD Right Step Mortgage® In the U.S., TD Bank’s Right Step Mortgage® program provides qualified home buyers with an alternative to Federal Housing Administration (FHA)-backed loan products. The program features a low three percent down payment option and the potential for significant savings on a borrower’s monthly payment, with no private mortgage insurance requirement. In 2014, 749 homes were purchased or refinanced through the TD’s Right Step Mortgage®


product, more than tripling the number of customers from 2013. + FS-14 PR-3


TD 2014 Corporate Responsibility Report Page 24





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