Financial Resilience and Provisioning

Minimal Impact of Special Items in Q1/01 $ millions Gain on sale of Quebec branches (after-tax) $21 Deferred income tax adjustment Total impact (after-tax) (24) $(3) Note: Additional $175MM charge for loan losses also taken in Q1/01 7 $ millions Strong Top Line Revenue Growth Revenue up 20% Q1/Q1 - Net Interest Income up 18% - Other Income up 23% 2,024 2,437 2,309 Q1/00 Q4/00 8 Q1/01 Other Income Net Interest Income

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