Mr. Nick Miceli reports

TD BANK APPOINTS MIKE PHILLIPS NORTH FLORIDA COMMERCIAL MARKET PRESIDENT

Toronto-Dominion Bank has appointed Mike Phillips North Florida commercial market president, effective Nov. 3, 2025. He will support continued growth across the region, which includes the greater Orlando, Tampa/St. Petersburg, Jacksonville, Gainesville, Ocala, Daytona, Lakeland and Melbourne areas. Mr. Phillips is based in Orlando and will report to Nick Miceli, regional president, southeast metro, TD Bank.

"Mike's deep experience and proven leadership will be instrumental as we continue to expand our commercial and small business banking presence across North Florida," said Mr. Miceli. "He brings a thoughtful, client-focused approach that aligns with our priorities for growth, team development and strengthening community relationships."

In his role as North Florida commercial market president, Mr. Phillips will lead TD Bank's commercial banking strategy and operations across the region. He will provide guidance and support to regional vice-presidents, relationship managers and commercial banking teams, ensuring a strong focus on the community, client relationships and business growth. Mr. Phillips will also collaborate with leaders across retail, treasury management and wealth to deliver a seamless, integrated experience for customers and further strengthen TD's presence throughout North Florida.

Phillips brings more than 30 years of commercial banking experience as a lender, commercial team leader, regulator and risk officer. He joined TD in 2010 through the acquisition of The South Financial Group as a commercial real estate relationship manager and later advanced into the role of senior credit officer for the South Carolina Midlands and Virginia.

In 2014, he was appointed senior credit officer for the TD small business administration (SBA) vertical, helping position TD as the No. 1 SBA lender within its footprint. Most recently, Mr. Phillips served as senior credit officer for Florida regional commercial and wealth, a position he assumed in 2022.

"North Florida is an incredibly dynamic market, and I'm excited to work alongside our talented team to help businesses and communities thrive," said Mr. Phillips. "Having deep roots in Florida, I'm especially proud to contribute to the growth of this region. By collaborating across all areas of the bank, we can deliver more value to our clients and strengthen TD's presence across the region."

About Toronto-Dominion Bank

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S. by assets, providing over 10 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida.