Integrating Wealth Management

11 200 150 Business Line Results Bruce Birmingham President Domestic - earnings up 13% Net Income*, $ millions • • 100 • 50 12 Q1/99 Q1/00 * includes Wealth Management Mortgages up 8% Credit cards up 11% • Strong fee growth ➤ retail brokerage up 34% Continued deposit growth - personal deposits up 6% ➤ current accounts up 16% market share increase Scotiabank

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