Performance Measure

EPS Growth

Increasing an average of 10% per year

Return on Equity

17 - 20%

Operating Leverage

Achieving average annual cash operating leverage of at least 2.0%

Capital

Maintain a strong regulatory capital position

Performance Measure

F2008 Target

F2008 Actual *

EPS Growth
(base of $5.24  ¹ )

5 - 10%

(22%)

Return on Equity

18 - 20%

14.1%

Specific Provision For Credit Losses

$475MM or less

$1,070MM

at least 8% on a Basel II Basis

9.77%

Cash Operating Leverage

at least 2%

(5.3%)

* Excluding the changes in the general allowance

 ¹ The 2007 base excluded the impact of restructuring, changes in the general allowance and commodities losses.  Performance excludes the increase in the general allowance and is measure relative to the base, as appropriate.