Corporate Governance

As a responsible business enterprise and corporate citizen, TD Bank Group (TD) is committed to conducting its affairs to the highest standards of ethics, integrity, honesty, fairness and professionalism – in every respect, without exception, and at all times.

While reaching our business goals is critical to our success, equally important is the way we achieve them. Every employee and director of TD is expected and required to assess every business decision and every action on behalf of the organization in light of whether it is right, legal and fair. This applies at all levels of the organization, from major decisions made by the Board of Directors to day-to-day transactions. It also applies to all TD wholly-owned subsidiaries around the world.

What to Report

To help us deliver on our commitment described in the previous paragraph, we have established the Whistleblower Hotline as a communication channel for employees and other stakeholders to report concerns relating to the integrity of TD accounting, internal accounting controls or auditing matters; ethical business or personal conduct, integrity and professionalism; or allegations of retaliation for having reported matters in good faith.

The TD Whistleblower Hotline, an independent, confidential and anonymous (except where prohibited by law) reporting channel for your financial and ethical concerns. Members of the public who become aware of or suspect any breach of the Code or who have complaints concerning other ethical, legal or regulatory matters are also encouraged to report such concerns through the whistleblower hotline.

What not to Report

This reporting system does not replace the other methods that customers and other stakeholders have traditionally used to communicate with TD. Customers are encouraged to continue using our existing communication channels. For example, customers and clients are encouraged to first report matters to the manager of the business location at which the issue arose or the customer service area for the business segment and region. Nevertheless, if for any reason, you are not comfortable using any of these other reporting channels, or prefer to report your concern through this system, we do want to hear from you. Contact us with your complaint or concern.

How to Report

EthicsPoint is an independent, third party supplier that has been selected to provide this confidential and anonymous communication channel for submitting your reports. You may file a report by clicking "File a Report" or by calling 1-866-293-2365 (in North America). For more information, including how to call in a report from outside North America, please go to EthicsPoint secure website at www.ethicspoint.com and enter "TD" in the company field.

You Are Protected

This reporting system is confidential and if you wish to remain anonymous you may do so, except that if you are calling from certain European countries, anonymous reporting of certain types of matters may be discouraged. But in any case, you should feel comfortable using it. TD employees and members of the public are protected against retaliation as a result of having made, in good faith, a complaint which the person reasonably believes to be valid, or as a result of such person having otherwise assisted in the investigation of a complaint.