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LENDER/SERVICER PROFILE REGIONAL INSTITUTION TD Bank key personnel company vitals Ed Clark Group President and CEO Steve Shriner SVP and CFO Mark Shulman SVP and Chief Credit Officer Paul Mangelsdorm EVP, Credit Risk Headquarters: Portland, Maine Take a look inside the numbers Phone: 800.822.6761 s tat e s s e r v ic e d* Online: TDBank.MortgageWebCenter.com Toronto Dominion (TD) Bank offers banking, insurance, brokerage, and investment banking services to customers along the east coast. The company formed after several mergers and acquisitions to become one of the nation's largest servicing and lending institutions. company's l atest January 24, 2013 servicing summary * Portfolio Growth Unpaid Principal Balance (UPB) » 2012: $17.3B » 2011: $12.5B » Annual Change: +38% Delinquency Stats** » 30 days delinquent: $8B » 60 days delinquent: $1.96B » 60-89 days delinquent: $490M Foreclosure Stats » Foreclosed assets: $254M **Delinquent assets by UPB *As of Q3 2012, in Canadian dollars SWOT STATEMENT (Strength, Weakness, Opportunity, Threat) The company has a strong and growing retail position in Canada and the U.S. and solid financial fundamentals and has become top-rated in customers satisfaction. The company is capitalizing on a growing profitable U.S. operation through its loyal customer base and experienced executive management. However, it has a weaker wholesale banking operation in comparison to its peers, as well as a weaker cost discipline, heavy reliance on wholesale funds, and the increasingly high cost of brick and mortar functions. As the Canadian dollar strengthens it will benefit from opportunities in foreign markets and will be well positioned once the U.S. recovery is complete. The company should be mindful of the effects a strong Canadian dollar has on the global marketplace, the current fragility of the U.S. recovery, increasing global regulation, and increased consumer debt levels. Source: Analysis by Claudio Eggert, Scotia Bank, and Dr. Conor Vibert, Acadia University Despite 'Fierce' Competition, TD Bank to Keep 800 Jobs in Lewiston until 2025 Four years ago, amid uncertainty that TD Bank might pull up stakes after buying Commerce Bank, Larry Wold told an audience at the Androscoggin County Chamber of Commerce annual meeting that TD would maintain operations centers in Lewiston and New Jersey. The bank wanted to stay. On Thursday, he'll tell that same crowd it's staying longer. TD Bank has extended its lease in the Bates Mill complex to 2025, negotiating that agreement two years ahead of schedule, keeping 800 people working downtown. The lease was signed in late December. Word has slowly gotten out. "No one's been disappointed to find out we're staying — some of our competitors, perhaps, who wanted to tell everybody our commitment to Maine would wane over time," said Wold, TD's Maine market president. "I'm just excited that it's part of an ongoing success story. I think Maine in general, and Lewiston-Auburn in particular, we can all stand to have more success stories in our lives." TD has been in the Bates Mill since 1998, when it was Peoples Savings Bank. Lincoln Jeffers, economic and community development director for the city of Lewiston, said the bank was a pioneer tenant of prime office space and set an important tone. "They opened eyes and helped define what space at the mill could become," Jeffers said. Its continued presence will help provide a foundation for future growth, he said. The historic mill complex is part of the city's evolving Riverfront Island Master Plan. The bank is among the top 10 largest in the United States and added 1 million new checking accounts in 2012, Wold said. TD is also the largest retail bank in Maine, by deposits. —Sun Journal October 13, 2012 TD Bank Security Breach May Have Affected 260,000 Customers TD Bank on Saturday began notifying about 260,000 customers all along the Eastern Seaboard that their personal information may have been affected by a security breach. TD Bank spokeswoman Rebecca Acevedo told the Associated Press that unencrypted backup data tapes were misplaced in transport back in March. The tapes contained bank customers' personal information, including account information and Social Security numbers, but the company is not aware of any misuse of customer information, Acevedo said. Still, TD Bank has not ruled out the possibility and is monitoring the situation. Bank customers from Maine to Florida may have been affected. Acevedo said the bank is sending letters to customers whose data was on the tapes, and is offering them free credit monitoring and identity theft protection. TD Bank has 8 million customers, and is based in Cherry Hill, N.J., and Portland, Maine. Minnesota 8.4% Ohio 6.4% California 6.1% Missouri 5.9% Illinois know this TD Bank grew its market share from 26% to 33% between 2000 and 2011. The growth is a result of an aggressive campaign to improve customer service, according to Mark Fuller, industry analyst and associate professor at St. Francis Xavier University. 2013 str ategy TD has a niche presence in the global capital markets, exploiting its domestically developed expertise in the energy and telecom industries, however it has no ambitions to become a major global investment bank beyond its specialized US and Canadian client base. Source: Analysis by Claudio Eggert, Scotia Bank, and Dr. Conor Vibert, Acadia University —CBS Sources: TD Bank (1/25/2013), A Strategy Analysis Of The "Big Five" Canadian Banks by Claudio Eggert and Dr. Conor Vibert (4/4/2012) 82 5.9% *As of Q3 2012

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