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HOW WE OPERATE RESPONSIBLE BANKING WORKPLACE ENVIRONMENT COMMUNITY GOVERNANCE


Community Investment (continued)


• Youth Social Innovation (YSI) YSI is an impact investing fund that provides young entrepreneurs with financing and technical assistance, which includes support involving governance, business development and fundraising. A key focus is young women entrepreneurs, who face significant obstacles to fair access to capital (less than 10% of venture capital funding goes to women). With TD’s help, YSI is investing in women-led ventures and championing their successes with investor communities.


• Supporting underserved communities in the U.S. As one of the largest banks in North America, we have a particular responsibility to demonstrate leadership and commitment to serving the needs of low- and moderate-income individuals, families and businesses, in areas such as credit, lending, financial outreach and real- estate development. In 2015, TD Bank in the U.S. provided more than US$1.07 billion – up from US$1 billion in 2014 – for community development loans and investments in underserved locations. Examples include:


° Tax credit programs and other investments supporting local initiatives for low- to moderate-income individuals and families exceeded US$441.2 million, including $700,000 in state tax credits.


° TD originated 248 community development loans for low- to moderate-income groups, totalling more than US$631.3 million, in the following categories:


– Affordable housing (48%) – Community services (40%) – Revitalization (7%) – Economic development of small businesses (4%)


For more examples, please see the Affordable Housing section of this report. SPOTLIGHT Together, We Bring Change


We know that small change can have a big impact. That’s the philosophy behind one of TD Bank’s most ambitious charitable initiatives: the Bring Change campaign.


Launched in May 2015, Bring Change spotlights small local organizations and individuals in need as the recipients of one-day fundraising events. On each “Green Friday” we invite people to a participating store where they can donate their loose change. Along with their contributions, TD Bank makes a $2,000 donation to each recipient, collectively making a big impact in the communities we care about. By the end of October 2015, we had held 250+ events from Maine to Florida and raised $700,000 for the benefit of local recipients.


+ Check out tdbringchange.com for some of our favourite moments so far


Learn more about an incredible summer camp run by Frontier College that promotes a love of reading to Aboriginal kids and positions them for success.


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