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HOW WE OPERATE RESPONSIBLE BANKING WORKPLACE ENVIRONMENT COMMUNITY GOVERNANCE


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Product Responsibility WHY IT’S MATERIAL TO TD


Our customers expect us to give them financial solutions that help enable better lives. We embed responsible design and marketing into our products, services and communications so that consumers will continue to view TD as an authentic and trusted brand.


Management Approach


Our goal is to design products and services that help customers manage their day-to-day finances through convenient and timely interactions. We provide personal human experiences and proactive advice and solutions to help people achieve their financial goals.


In planning and developing many of our products, services and marketing communications, TD often uses consultations with consumers (both customers and non-customers) to get their feedback and input. We also engage with stakeholders, experts and representatives from across industries to provide perspective on various initiatives.


Employees who interact with customers receive training on product features and benefits, and Know Your Customer policies. Branch and phone-based sales representatives are trained to use online discussion tools in their conversations with customers. Employees are taught to spend time understanding a customer’s financial need in order to suggest appropriate solutions.


2015 Performance


Saving is winning TD offers many resources to allow customers to build healthy savings habits. Recognizing the importance of saving to long-term well-being, we encourage customers to build their savings through the use of free automated savings plans. There continues to be great uptake of these tools by our customers. By the end of 2015, TD Canada Trust customers had saved $5.3 billion through automated savings plans, up from $5.1 billion in 2014.


We also have options designed to help customers reach their savings goals faster. For instance, Simply Save helps customers save money every time they use their debit card. In 2015, we continued to support Education Savings Week in Canada through promotions including a strong social media campaign, and our Get Saving website provided videos and self-help tools.


The Canada Learning Bond (CLB) is a government grant that encourages customers to save for a child’s future education and we facilitated $10.4 million in CLB payments in 2015. We are also working with SmartSaver, a non-profit organization that helps eligible low-income families access education funding through government savings plans.


Headline Performance


$5.3 billion saved


by TD Canada Trust customers through automated savings plans in 2015


Checking account


transparency TD Bank ranked in the top 15 U.S. banks by WalletHub


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