1. Our business operations were not interrupted during the period as we activated our Business Continuity Plan, which allowed us to meet the requirements of the Government’s Stay at Home Orders and continue to provide service to our customers.

2. In order to assist our customers who were experiencing financial difficulties, we provided a temporary deferral on loan payments during the period.

3. As at March 31, 2020, our Audited Financial Statements reflected an increase in Allowance for Impairment of $47 million due to the changes in the forward-looking assumptions in our IFRS 9 Expected Credit Loss model.

4. We have implemented strategies to manage our liquidity and credit risk in order to minimize the exposure to the organization

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