1 acquisition of maple financial group s mortgage business february 14 2006 2 this document includes forward looking statements which are made pursuant to the safe harbour provisions united states private securities litigation reform act 1995 these include comments with respect bank objectives strategies achieve those expected results including in area risk management and outlook for businesses canadian global economies typically identified by words or phrases such as believe expect anticipate intent estimate plan may increase fluctuate similar expressions future conditional verbs will should would could their very nature involve numerous assumptions inherent risks uncertainties both general specific that predictions other not prove be accurate cautions readers place undue reliance on a number important factors cause actual differ materially from estimates intentions expressed but limited economic