The total shareholder return represents the annual total return
earned on an investment in the Bank’s shares made at the
beginning of a one, three or five year period. The return includes
the change in the market price plus dividends paid as a percentage
of the prior one, three or five year periods’ closing
market price per common share.
1 Operating cash basis measures are
explained under the “How the
Bank Reports” section of the Management's Discussion
and Analysis.