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HOW WE OPERATE RESPONSIBLE BANKING WORKPLACE ENVIRONMENT COMMUNITY GOVERNANCE


EC-1


Economic Value WHY IT’S MATERIAL TO TD


Healthy economies need healthy banks and vice versa. Maintaining a strong business with solid revenues allows us to pay our employees fair wages and benefits, compensate our suppliers, support local small business, contribute to government revenues through taxes and provide dividends to our shareholders.


Management Approach


TD’s business strategy is to produce long-term, profitable growth by building strong franchises and delivering value to customers, shareholders and the broader community. We aim for repeatable and growing income streams, focus on customer-driven products and take on only risks that we understand and can manage.


By providing banking, wealth and insurance products and services along with customized financial advice, we help our customers improve their lives by making better decisions with their money.


2015 Performance


Supporting Small Business Owners Small businesses are a powerful force in local economies and critical catalysts in driving prosperity across all sectors. TD is committed to helping support the success of small businesses by offering advice, access for financing and specialized services.


2015 Highlights – Canada • To better assist small business customers who have complex banking needs, TD Canada Trust has dedicated account managers where our customers do business across Canada. These specialized advisors seek to understand the unique needs of each business, offer advice, proactive and innovative solutions, provide expert advice and help customers obtain the right products and services.


• We simplified processes for opening accounts and getting pre-approved credit.


• We provided small-business customers with 29,000 loans and other credit facilities totaling over $1.7 billion in new and increased credit authorizations, up from $1.5 billion in 2014.


• For Small Business Month in October, TD was the Official Partner of Big Dreams. We shared ad space – both online and in print – that enabled small business customers like Vancouver’s Timbertrain Coffee Roasters to promote their services. Throughout the month we also hosted educational events in retail branches and communities.


2015 Highlights – U.S. • We provided 30,933 small-business loans (new and existing) totaling more than US$2.2 billion, with 86% of these loans for amounts less than $100,000.


Economic Revenue1


$31.4 billion


SALARIES & BENEFITS


$9.0B Page 21


OPERATING EXPENSES3


$4.6B -


Value Distributed2 by TD


$19.9 billion


CASH DIVIDENDS $3.4B TAXES4 $2.8B


1 Amounts based on International Financial Reporting Standards. See the bank’s 2015 Annual Report for more information. 2 Economic value distributed as defined by the Global Reporting Initiative. Source EC1.


3 Operating expenses include occupancy, equipment, marketing and business development, professional and advisory services and communications. 4 Includes payroll taxes, sales taxes, municipal and property taxes, insurance premium taxes, business taxes, capital taxes. 5 Includes cash donations in North America and the U.K.


= Economic Value Retained


$11.5 billion


COMMUNITY GIVING5


$92.5M


• For Small Business Month in May, TD Bank kicked off an integrated marketing campaign in which we rewarded small business customers with promotional rates and held more than 350 small business seminars aimed at giving business owners tools to grow their companies throughout our Maine to Florida footprint.


• TD Bank ranked as the Highest in Customer Satisfaction with Small Business Banking in the Northeast Region, according to the 2015 J.D. Power Small Business Banking Satisfaction Study.1 This is the second time TD Bank captured the trophy in the Northeast, following a win in 2013.


• TD Bank won the 2015 TNS Choice Award for Small Business Banking in the U.S. The award, from global research consultancy TNS, recognizes outstanding national performance in serving small businesses.


1


TD Bank, N.A. received the highest numerical score in the northeast in the proprietary J.D. Power 2015 Small Business Banking Satisfaction StudySM. Study based on 8,086 total responses, measuring 8 financial institutions in the northeast (Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont) and measures opinions of small business customers with annual revenues from $100,000 to $10 million. Proprietary study results are based on experiences and perceptions of customers surveyed in July-August 2015. Your results may vary. Visit www.jdpower.com.


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