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Metric (TDGUS)4Q 2023 Regulatory Minimum LCR (quarterly avg.)117.80%100% NSFR (quarterly avg.)104.08%100% CET1 17.06%7 % Background TD Bank, America’s Most Convenient Bank, is one of the 10 largest banks in the U.S., with 28,000 colleagues providing over 10 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In the U.S., TD Bank has a long history of prudent risk management and a strong mix of deposit clients and customers across all industries and sectors. TD has maintained a dedication to stability with a focus on satisfying our customers, our colleagues, our shareholders and our communities. 2024 TD Bank Remains Committed to Financial Stability TD Bank consistently maintains liquidity and capital regulatory ratios in excess of regulatory minimums, with a focus on maintaining sufficient liquidity and capital to help it withstand stress. TD Bank, America’s Most Convenient Bank 1: • In the US, TD Bank has total deposits of $334 billion and a loan-to-deposit ratio of 58% as of 12/31/23. • TD Bank prudently manages its balance sheet and financial resources, with a focus on maintaining sufficient liquidity and capital to helpit withstand stress. • TD Bank is subject to the Liquidity Coverage Ratio Rules (LCR Rule) of the Federal Reserve and the Office of the Comptroller of the Currency (OCC), which set minimum standards to ensure banks maintain adequate liquidity under a 30-day period of stress. o TD Bank consistently exceeds the LCR 100% regulatory minimum: In Q4 2023, TD Bank had an average LCR of 117.8%, with average weighted eligible High Quality Liquid Assets (“HQLA”) of $86.4 billion of which $71.5 billion (~83%) was comprised of Level 1 assets in the form of cash and highly liquid securities (e.g., U.S. Treasury securities and other government-guaranteed investment securities) that can be converted into cash during a period of stress. o For more information please view the TD Bank LCR Disclosure and LCR Calculation. •TD Bank is subject to the Net Stable Funding Ratio Rules (NSFR Rule) of the Federal Reserve and the Office of the Comptroller of the Currency (OCC), which sets minimum standards designed to ensure that banking organizations maintain adequate levels of stable funding over a 1‐year period. o TD Bank consistently exceeds the 100% regulatory minimum: In Q4 2023, TD Bank had an average NSFR of 104.08%, with average weighted eligible Available Stable Funding (“ASF”) of $280.3 billion and Required Stable Funding (“RSF”) of $269.3 billion. o For more information, please view the most recent TD Bank NSFR Disclosure and NSFR Calculation. •TD Bank is required by the Federal Reserve to complete an annual Dodd-Frank Act Stress Test to ensure the bank is sufficiently capitalized in times of severe stress. o TD Bank consistently exceeds the regulatory minimum of 7%. In Q4 2023, TD Bank had a Common Equity Tier 1 (“CET1”) ratio of 17.06%, which equates to excess capital of $27.2 billion over the regulatory minimum. • TD Bank maintains a suite of contingency plans articulating the actions that can be taken to generate additional liquidity and/or capital when contemplating a stress event. TD Bank is a member of TD Bank Group (TDBG) and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada. TDBG Key Facts: • Second largest bank in Canada by assets. • Global Systemically Important Bank (G-SIB), which means that it is held to a higher regulatory standard and has higher capital requirements and more stringent stress tests. • Historically maintained a stable balance sheet that is not overly invested in long-term assets, which facilitates liquidity. • TD’s investment portfolio as a percentage of assets is 18%, which includes significantly higher deposits than loans, which facilitates liquidity. • TD has industry-leading credit ratings. TD is rated Aa1 by Moody’s Long-Term Deposits Ratings and Counterparty Risk Rating, AA- by S&P’s Issuer Credit Rating, AA by Fitch’s Long-Term Deposits Rating and AA (high) by DBRS’ Long-Term Issuer Rating • For more information, please view Credit Ratings for TD and TD Subsidiaries Information. •View our most recent financial reports, regulatory disclosures and investor presentation here. As a global financial institution and G-SIB, TD Bank Group and TD Bank, America’s Most Convenient Bank, must adhere to strict regulations both in the United States as well as Canada. “Our bank – your bank – is one of the strongest in the world with ample liquidity, and a robust capital position – both critical measures of a successful Bank.” -- Bharat Masrani, TDBG President and CEO, 2024 Shareholder Address 1 Refers to TDGUS; OCC governs the subsidiary banks.Proposed by: TD Bank, N.A.Page 13