corporate presentation fourth quarter 2006 2 outline introduction our businesses banking trust insurance western opportunities history of financial performance current strategic priorities canadian bank 3 lines business mid market commercial specialty retail alternative mortgage lending personal home and auto proven strategies customer service focus think prudent policies results profitable sustained quality growth efficient low cost operation 33 branch locations no voicemail 4 offices inbound call centres real estate project loans 17 11 general 22 25 oil & gas production mortgages 12 equipment financing 20 19 28 loan portfolio diversification as at october 31 2005 in brackets 39 40 54 53 dispersion by province 5 services billion assets under administration up 26 advisor products group 300 million lower float valiant stock transfer registrar serving 200 public companies income trusts calgary head office vancouver