1. Moody's

Short term

P-1

LT Bank Deposits

Aa2

LT Debt Senior

Aa2

LT Debt Subordinated

Aa3

Issuer Rating

Aa2

Financial Strenght

B-

Outlook

Stable

2. Standard & Poors/CBRS

Short-Term counterparty

A-1

Long-Term counterparty

A

Senior unsecured debt

A

Subordinated debt

A-

Commercial paper (Canadian scale)

A-1(Mid)

Commercial paper (Global scale)

A-1

Preferred stock (Canadian scale)

P-2(High)

Preferred stock (Global scale)

BBB+

Outlook

Stable

3. DBRS

Short Term Instruments

R-1 (middle)

Deposits & Senior Debt

AA (low)

Subordinated Debt

A (high)

Cumulative Preferred Shares

Pfd-1 (low)

Non-Cumulative Preferred Shares

Pfd-1 (low)

Outlook

Stable

4. FITCH

Short-Term

F1

Long-Term

A+

Individual

B

Support

BBB-

Subordinated Debt

A

Outlook

Stable