(1)

Deposits payable on demand include all deposits for which we do not have the right to notice of withdrawal, generally chequing accounts.

(2)

Deposits payable after notice include all deposits for which we require notice of withdrawal, generally savings accounts.

(3)

All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.

(4)

Includes $157

(January 31, 2022 –

$160; October 31, 2021 – $193) of non-interest-bearing deposits.

(5)

Deposits denominated in U.S. dollars amount to $306,726

(January 31, 2022 –

$295,809; October 31, 2021 – $259,027), deposits denominated in Chilean pesos amount to $17,298

(January 31, 2022

– $19,027; October 31, 2021 – $17,841), deposits denominated in Mexican pesos amount to $24,912

(January 31, 2022 –

$23,696; October 31, 2021 – $22,032) and deposits denominated in other foreign currencies amount to $104,324

(January 31, 2022 – $

95,595; October 31, 2021 – $82,871).

The following table presents the maturity schedule for term deposits in Canada greater than $100,000

(1)

(1)

The majority of foreign term deposits are in excess of $

100,000