OUTLOOK FOR CANADIAN BANKS “HOW IT AFFECTS ALL OF US” Topics: 1. Financial Institutions in Canada 2. CWB Profile 3. Banking Regulations in Canada & Globally 4. Predictions 5. Top 30

Federally Regulated Financial Institutions Banks (77) - Domestic Banks (26) The following institutions are regulated under the Bank Act B2B Bank General Bank of Canada Bank of Montreal HomEquity Bank Bank of Nova Scotia (The) ING Bank of Canada Bank West Jameson Bank Bridgewater Bank Laurentian Bank of Canada Canadian Imperial Bank of Commerce Manulife Bank of Canada Canadian Tire Bank MonCana Bank of Canada Canadian Western Bank National Bank of Canada Citizens Bank of Canada Pacific & Western Bank of Canada CS Alterna Bank President’s Choice Bank DirectCash Bank Rogers Bank Dundee Bank of Canada Royal Bank of Canada First Nations Bank of Canada Toronto-Dominion Bank (The) Foreign Banks (24 - Cooperative Credit Associations (6) Trust Companies (48) - Life Insurance Companies (78) Loan Companies (19) - Property & Casualty Insurance Companies (171)

Financial Performance: Capital & Leverage * “Canadian Bank Avg. (6)” as referenced within this presentation is calculated based on information contained in the publicly available company reports of Canada’s six largest banks (TSX trading symbols: BMO, BNS, CM, NA, RY, TD)

APEX WAREHOUSE CWB CAPITAL BIG 5 45% MORE

Financial Performance: History Historical Growth (five-year increments) Total Loans (1) As of Q1 11, financial results are reported under International Financial Reporting Standards (IFRS), as opposed to Canadian Generally Accepted Accounting Principles (GAAP), and may not be directly comparable.