Richard E. Waugh Speech  - October 27, 2005
An address by Richard E. Waugh, President and Chief Executive Officer, presented to the Empire Club of Canada.

Richard E. Waugh Speech - June 16, 2005
An address by Richard E. Waugh, President and Chief Executive Officer, presented to the Canadian Payments Association.

Richard E. Waugh Speech  - March 21, 2005
An address by Richard E.Waugh, President and Chief Executive Officer, presented to the Canadian Club of Montreal.

Richard E. Waugh Speech  - March 1, 2005
An address by Richard E.Waugh, President and Chief Executive Officer, presented to The 173rd Annual Meeting of Shareholders, Halifax, Nova Scotia.

Sabi Marwah Speech  - March 1, 2005
An address by Sabi Marwah, Senior Executive Vice-President & Chief Financial Officer, presented to The 173rd Annual Meeting of Shareholders, Halifax, Nova Scotia.