change to the Sales Practice Misconduct paragraph, to include a statement that we must provide customers with all relevant information about the product/services they are considering
to enable them to make an informed decision; f) Section 3F) Bequests, Executorships, Agencies, and Powers of Attorney strengthened language to emphasize the default position that we must not assume authority over a
customers financial affairs (including acting as agent, executor, power of attorney, etc.). In addition to these changes, certain other editorial, technical, organizational, administrative and
non-substantive amendments were made to the Code.
No waivers from the provisions of the Code were
granted in the fiscal year ended October 31, 2019 to the Registrants Group President and Chief Executive Officer, Group Head and Chief Financial Officer, and Senior Vice President, Controller & Chief Accountant.
Principal Accountant Fees and Services
The disclosure regarding Audit Fees, Audit-Related Fees, Tax Fees and All Other Fees provided under the heading Directors and Executive Officers Pre-Approval Policies and Shareholders Auditor Service Fees included in Exhibit 99.1: Annual Information Form dated December 4, 2019 is incorporated by reference herein.
Pre-Approval Policy for Audit and Non-Audit Services
The disclosure provided under the heading Directors and Executive
Officers Pre-Approval Policies and Shareholders Auditor Service Fees included in Exhibit 99.1: Annual Information Form dated December 4, 2019 is incorporated by reference
herein.
During the fiscal year ended October 31, 2019, the waiver of pre-approval provisions
set forth in the applicable rules of the SEC were not utilized for any services related to Audit-Related Fees, Tax Fees or All Other Fees and the Audit Committee did not approve any such fees subject to the waiver of
pre-approval provisions.
Hours Expended on Audit Attributed to Persons Other than the Principal
Accountants Employees
Not Applicable
Off-balance Sheet Arrangements
The disclosure provided under the heading Group Financial
Condition Securitization and Off-Balance Sheet Arrangements included in Exhibit 99.2: Managements Discussion and Analysis is incorporated by reference herein.
Tabular Disclosure of Contractual Obligations
The disclosure provided in Exhibit 99.5 Contractual Obligations by Remaining Maturity is incorporated by reference herein.
Identification of the Audit Committee
The disclosure provided under the heading Directors and Executive Officers Audit Committee included in Exhibit 99.1:
Annual Information Form dated December 4, 2019 identifying the Registrants Audit Committee is incorporated by reference herein.
Mine Safety
Disclosure
Not Applicable
Undertaking
Registrant undertakes to make available, in person or by telephone, representatives to respond to inquiries made by the Commission staff, and
to furnish promptly, when requested to do so by the Commission staff, information relating to: the securities registered pursuant to Form 40-F; the securities in relation to which the obligation to file an
annual report on Form 40-F arises; or transactions in said securities.