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<!--Created on: 6/23/2026 8:47:41 PM-->
<!--Modified on: 6/23/2026 8:47:41 PM-->
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  <xsd:element name="EmployeeBenefitPlanParticipantAgeForWithdrawalFromAccountBalance" id="td_EmployeeBenefitPlanParticipantAgeForWithdrawalFromAccountBalance" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMinimumVestedBalanceForSingleLumpSumPayment" id="td_EmployeeBenefitPlanMinimumVestedBalanceForSingleLumpSumPayment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanPercentageOfLimitationOnInvestmentsInSharesOfEmployerEntity" id="td_EmployeeBenefitPlanPercentageOfLimitationOnInvestmentsInSharesOfEmployerEntity" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNumberOfConsecutiveOneYearBreaksInServiceForForfeiture" id="td_EmployeeBenefitPlanNumberOfConsecutiveOneYearBreaksInServiceForForfeiture" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanEmployerMember" id="td_EmployeeBenefitPlanEmployerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanPlanTerminationVestingPercentage" id="td_EmployeeBenefitPlanPlanTerminationVestingPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DodgeCoxStockXMutualFundsMember" id="td_DodgeCoxStockXMutualFundsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TRowePriceGovernmentMoneyMutualFundsMember" id="td_TRowePriceGovernmentMoneyMutualFundsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardTreasuryMoneyMarketInvestmentMutualFundsMember" id="td_VanguardTreasuryMoneyMarketInvestmentMutualFundsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TorontoDominionBankCommonStockMember" id="td_TorontoDominionBankCommonStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpStableValueCommonTrustFdFMember" id="td_TrpStableValueCommonTrustFdFMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirementBalancedTrECommonCollectiveTrustMember" id="td_TrpRetirementBalancedTrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2005TrECommonCollectiveTrustMember" id="td_TrpRetirement2005TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2010TrECommonCollectiveTrustMember" id="td_TrpRetirement2010TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2015TrECommonCollectiveTrustMember" id="td_TrpRetirement2015TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2020TrECommonCollectiveTrustMember" id="td_TrpRetirement2020TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2025TrECommonCollectiveTrustMember" id="td_TrpRetirement2025TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2030TrECommonCollectiveTrustMember" id="td_TrpRetirement2030TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2035TrECommonCollectiveTrustMember" id="td_TrpRetirement2035TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2040TrECommonCollectiveTrustMember" id="td_TrpRetirement2040TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2045TrECommonCollectiveTrustMember" id="td_TrpRetirement2045TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2050TrECommonCollectiveTrustMember" id="td_TrpRetirement2050TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2055TrECommonCollectiveTrustMember" id="td_TrpRetirement2055TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2060TrECommonCollectiveTrustMember" id="td_TrpRetirement2060TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2065TrECommonCollectiveTrustMember" id="td_TrpRetirement2065TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardInstitutional500IndexFundTrustCommonCollectiveTrustMember" id="td_VanguardInstitutional500IndexFundTrustCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardInstitutionalTotalBondMarketIndexTrustCommonCollectiveTrustMember" id="td_VanguardInstitutionalTotalBondMarketIndexTrustCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MfsInternationalEquityClass4CommonCollectiveTrustMember" id="td_MfsInternationalEquityClass4CommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BlackrockTotalReturnBondLCommonCollectiveTrustMember" id="td_BlackrockTotalReturnBondLCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardDevelopmentMarketsIndexTrustCommonCollectiveTrustMember" id="td_VanguardDevelopmentMarketsIndexTrustCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WilliamBlairLargeCapGraCommonCollectiveTrustMember" id="td_WilliamBlairLargeCapGraCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanEmployerContributionMatching" id="td_EmployeeBenefitPlanEmployerContributionMatching" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EarnestSmidCapClass1CommonCollectiveTrustMember" id="td_EarnestSmidCapClass1CommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrpRetirement2070TrECommonCollectiveTrustMember" id="td_TrpRetirement2070TrECommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardInstitutionalExtendedMarketIndexBCommonCollectiveTrustMember" id="td_VanguardInstitutionalExtendedMarketIndexBCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanOtherAdjustmentsToNetAssetsAvailableForBenefits" id="td_EmployeeBenefitPlanOtherAdjustmentsToNetAssetsAvailableForBenefits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
