Table of Contents How We Operate


CEO Message TD’s Value Chain


Corporate Responsibility at TD Scorecard and Goals


How We Listen to Stakeholders Our Material Topics Contextual Trends


Feature Stories Adapting to the Digital Future


1 1


2 3 4 5 6 7


8 Preparing for a New Climate Reality 9


Our Material Issues Responsible Banking Message from Linda Verba


Customer Service Access to Banking


Product Responsibility


11 12


13 15 17


Financial Education for Customers 19 Economic Value


Workplace


Message from Sue Cummings Employee Engagement Diversity and Inclusion Health and Wellness


21


22 23


24 26 29


Environment


Message from Karen Clarke-Whistler


Measuring our Impact Climate Change


Employee Engagement Community


Message from Scott Mullin Community Investment


Financial Education in the Community


Affordable Housing Sourcing Tax Policy


30


31 32 33


Responsible Finance and Investing 35 Eco-Efficiency


38 40


42 43


44


47 48 50 52


Governance


53


Corporate Governance & Integrity 54 Executive Compensation Data Security and Privacy Risk Management


56 57 59


Approach to Reporting 60


This publication is part of our reporting suite. For more information about TD and our activities, please read our other reports:


This is how we are strengthening our communities


Community Snapshot 2015 – Canada


Inside Over $62 million given to non-profits


Promoting financial literacy across generations


Celebrating 25 years: TD Friends of the Environment Foundation TD volunteers making an impact


Largest donation in TD’s history targets Aboriginal literacy


1 4 6 8


10


Annual Report


Appendix


Community Report


Proxy Circular

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