1. 1 TD Bank – At a Glance NESA CONFERENCE October 25, 2009

2. 2 Introduction to TD Bank At a time when the headlines are full of stories about bank failures and lost trust in the financial services industry, it is important to realize that not all banks are struggling. In fact, some banks are still growing. TD Bank is a growth company with a difference: we have and will continue to grow without taking undue risk. As a result, TD is one of the only banks in the world to avoid write-downs due to the sub-prime mortgage market, and is one of only seven banks worldwide to have a triple-A rating from Moody’s. This is the highest possible rating, and it reflects our solid financial standing. TD has no sub-prime debt and our liquidity position is one of the strongest in the industry. Our liquidity allows us to support the credit needs of our partners in the markets we serve, and our profitability allows us to invest in state-of-the art cash management and depository platforms to meet the growing needs of our clients. TD’s consistent strategy of growth without taking undue risk offers the financial security that many organizations desire, and we strive to bring this same fiscally responsible approach to each of our relationships.

3. 3 The Current Landscape S&PMoody’sFitch S&P Outlook Gross Loans/ Total Deposits TARP Participant (Capital in Millions) TD Bank NA*AA-Aa2AA-Stable56.7%No Bank of AmericaA+A2A+ Watch Negative 102.5%Yes - $45,000 BB&T Corp.AA1AA-Stable106.4%Yes - $3,134 Capital One FinancialBBBBaa1A- Watch Negative 87.1%Yes - $3,555 Citigroup Inc.AA3A+ Watch Negative 86.2%Yes - $49,034 JPMorgan ChaseA+Aa3AA-Negative78.1%Yes - $25,000 M&T Bank Corp.A-A3A-Negative115.2%Yes - $600 PNC Financial ServicesAA1A+ Watch Negative 88.1%Yes - $7,579 SunTrust Banks Inc.**BBB+Baa1A-Negative104.1%Yes - $4,850 Wells Fargo & Co.AA-A1AANegative105.8%Yes - $25,000

4. 4 TD Bank At-a-Glance Member of TD Bank Financial Group, a global financial services company Among 15 largest commercial banks in the U.S. $126 Billion in assets / 7 Million customers in the U.S. Safe, liquid and profitable – NO sub prime debt / NO TARP assistance 1,000+ ‘Stores’ from Maine to Florida…and growing! Full service financial institution Headquarters in Cherry Hill, NJ and Portland, ME Relationship and convenience driven growth model Unique WOW! culture translates to award-winning customer service and loyal Fans America’s Most Convenient Bank ®

5. 5 TD Bank Financial Group At-a- Glance Top ten financial services company in North America $500 Billion in assets / 17 Million customers globally Robust capital, liquidity and risk management 2,100+ ‘Stores’ in Canada and the U.S. Trades on Toronto and New York stock exchanges under symbol “TD” Headquarters in Toronto Continued investments in future growth, while managing for efficiencies Consistent WOW! focus creates legendary experiences for customers Leader in service and convenience in Canada and the U.S.

6. 6 Our Businesses TD Bank Financial Group Canadian Personal & Commercial Banking TD Canada Trust TD Commercial Banking TD Insurance U.S. Personal & Commercial Banking TD Bank Global Wealth TD Waterhouse TD Asset Management TD Wealth Management Wholesale TD Securities TD Ameritrade

7. 7 Service Excellence

8. 8 JD Power & Associates J.D. Power & Associates 2006.2007,2008 and 2009 for Retail Banking Satisfaction Survey Commerce rates #1 in Customer Satisfaction in the Mid-Atlantic 4Years Running!

9. 9 Consumer Reports Personal Banking Survey #1 Overall Customer Satisfaction Key Strengths: - Communication - Telephone Service - Convenience - Online Banking

10. 10 Greenwich Associates 5 Business Banking Excellence Awards National Awards: #1 Overall Customer Satisfaction #1 Online Services Northeast Region: #1 Overall Customer Satisfaction #1 Cash Management Excellence #1 Personal Banking for Executives

11. 11 Banking Services

12. 12 Not-for-Profit Model Unique Not-for-Profit pricing model Simplify bank pricing No Fees No idle compensating balances Earn Interest on ALL collected balances No deduction for float or reserves Improve overall Return on Investment!

13. 13 Online Banking TD Bank’s TreasuryDirect Balance/transaction reporting – 365-day history Images of checks paid – 365-day history Deposit imaging – 365-day history Incoming wire details Global wire transfers ACH Payroll direct deposit (US teachers) Stop Payments Positive Pay (best check fraud protection) User ID / Password / Token protected

14. 14 Remote Deposit Capture Commerce RapidDeposit Covert paper check deposits to electronic transactions Expedite the collection process Funds are available the next day! Eliminate courier costs Eliminate mail delays Flexible web based reports User ID and Password protected

15. 15 Prominent Organizations Banking with TD Bank: Central Eastern European School Association (CEESA) Association of International Schools in Africa (AISA) Mediterranean Association of International Schools (MAIS) East Asian Regional Council of Schools (EARCOS) Near East South Asia School Association (NESA) Association of American Schools In South America (AASSA) Academy for International School Heads (AISH) Association for the Advancement of International Education (AAIE) Latin American Tri-Association ( American Schools Association of Central America, Colombia-Caribbean and Mexico )

16. 16 Thank You! Joseph D. Pereira Vice President & Relationship Manager 2070 Chain Bridge Road, Suite 145 Vienna, VA 22182 Phone: 703-663-4404 Fax: 703-663-4367 Email: Joseph.Pereira@yesbank.com