An important part of delivering a comfortable banking experience is upholding the highest standards of ethics and integrity, honesty, professionalism and security - in every respect, without exception, and at all times. We meet or exceed industry guidelines developed to protect consumers.

Employee conduct
As a condition of employment with TD, employees must comply with our Code of Conduct and Ethics. It contains the standards that govern the way we deal with each other, our shareholders, customers, suppliers and competitors. These standards define organizational expectations, and align our collective approach to important company policies and the way we do business.

In addition, certain businesses in TD have supplementary codes of conduct and policies that apply to their employees or directors that must also be complied with.

Customer privacy
As an organization, we believe that managing and implementing our privacy policies and practices are among the most important things we do. Banking, perhaps more than any other business, relies on the trust and confidence that exists with its customers. Our privacy program is one of the key elements making that possible.

TD has a comprehensive privacy program, which includes a Privacy Code and Privacy Agreement, and we remain compliant with all privacy laws. The executive privacy council and management committees also review Bank operations to ensure privacy compliance.

Information security
More than 60 dedicated security professionals develop and oversee security standards to protect customer privacy and our systems and customer information against unauthorized access and use. This group also facilitates efforts to minimize service disruptions to customers in the unlikely event of viruses or any other form of malicious attacks on computer systems.

Fraud prevention
Fraud affects thousands of Canadians each year, from debit card fraud to identity theft and online fraud. Here are some of the ways TD is fighting fraud and continuing to provide customers with safe and secure banking environments:

• To provide greater ABM security for customers conducting Green Machine transactions, we have mirrors to allow customers to see anyone standing behind them and protective metal shields to hide PIN information. Another ABM feature is highly secure encryption of customer PINs.
• To help customers protect themselves, we communicate helpful tips through our website and brochures. We also join forces with government and police agencies each year in a consumer education campaign called "Fraud - Recognize It. Report It. Stop It."
• Our dedicated Fraud Management Team works 24/7 to prevent and detect unusual and suspicious credit card and debit card activity that could indicate fraud. TD is committed to implementing Smart Card technology as a long-term strategy to mitigate fraud and maintain strong customer confidence in payment cards. This involves the development of debit and credit cards with CHIP technology and upgrading related devices (payment terminals and ABMs) to process these cards.
• Customers who invest and trade online are protected by our WebBroker Security Guarantee, whereby they receive 100% reimbursement for losses from unauthorized online brokerage activity.
• Similarly, we provide strong protection for customers who bank on-line:
  • Backed by our EasyWeb Security Guarantee, customers will receive 100% reimbursement if account losses occur via unauthorized EasyWeb activity.
  • We recently also introduced the EasyWeb IdentificationPlus feature - our new security measure that provides enhanced protection when customers bank online.
  • In a major independent survey of Canadian banks by Forrester Research, TD ranked highest in the area of trust for its efforts in educating and protecting online consumers from ID theft and phishing attempts through its online security guarantee.

Anti-money laundering
To combat money laundering, TD has robust policies and programs in place, including tracking tools to monitor suspicious transaction activity. We continually update our deterrence and detection infrastructure and train employees in compliance controls so we stay ahead of these sophisticated crimes.

We also share intelligence and coordinate our efforts with governments, international organizations and others in the financial industry, such as the Financial Transactions and Reports Analysis Centre of Canada and the Canadian Bankers Association's Bank Crime Prevention and Investigation Office.

External codes of conduct
As another layer of consumer protection, TD abides by several industry-level codes of conduct and public commitments designed to safeguard consumer interests in various areas.