Eric C. Email and Phone Number

Global Recovery and Resolution Center of Governance

Credit Measuring, Provisioning and ReportingActively engaged in RBC’s credit measuring, provisioning and reporting processes.Familiar with IFRS9 processes/methodologies including model development, scenariodesign and weights, staging, expected credit loss measuring, provisioning process, overlay and Allowance committee reporting.BAU Effective Management of Control Requirements – IFRS 9 and EWST• Provide thought leadership, advice including options in the identification, design andimplementation of internal controls and related governance roles and processes.• Actively assess, develop and manage activities with teams to ensure continuousadherence to applicable internal and external control requirements for ICMP includingSOX and EWST requirements and timelines.Projects and InitiativesWork with stakeholders across teams, functions, businesses to plan and execute regularor ad-hoc projects and initiatives with primary focus on ensuring strong governance andcontrols are designed and implemented to result in robust control environment(s) andthat regulatory or policy requirements are met.

Investment Portfolio Stress Testing • Responsible for planning, executing and delivering TD Bank's first ever DFAST and CCAR stress tests and submissions as a member of the bank-wide CCAR stress-testing team• Responsible for planning and delivering TD Bank's enterprise-wide stress tests (EWST) and Bank of Canada stress tests• Oversaw and executed key processes relating to TD's US investment portfolio: Mark-to-market, Reinvestment, Other Than Temporary Impairment (OTTI), Net Interest Income (NII), SSFA Capital, Accumulated Other Comprehensive Income (AOCI)• Spearheaded the stress-testing (CCAR, EWST) analytic and reporting tool Barberian for TD's 91Bln US Investment Portfolio

Bank Capital Expert • Key capital subject-matter expert on TD bank's US investment portfolio• Led and conducted several Quantitative Impact Studies TD's securitization portfolio to assess capital impact from the revised securitization framework• Deep knowledge of securitization structures and capital considerations• Familiar with US Basel III Final Rule and OSFI Capital Adequacy Requirement (CAR) • Abreast of key financial regulatory development: capital, liquidity coverage ratios, leverage ratio, net stable funding ratio Non-Agency CMO Portfolio Management• Unique experience in a team overseeing TD's then 10Bln non-agency collateral mortgage obligation portfolio• Responsible for key portfolio management processes: pricing, capital, credit default swap, internal rating.Other relevant treasury experiences:• Familiar with treasury and balance sheet management paradigms, including fund transfer pricing, hedging and investment strategies • Managed enterprise-wide credit lines, credit line governance, and enterprise exposure reporting

• Key practitioner in Deloitte GTA’s Enterprise Risk Services practice • Led and participated in various risk management and governance reporting projects on a variety of client organizations• Worked directly with senior managers and partners on key client projects; experienced in managing and working with different teams of professionals to successfully deliver a project • Demonstrated communication and presentation skills to validate, discuss and elucidate findings and recommendations, including impact and likelihood of a risk factor and the mitigations strategies to reduce risks to an acceptable level