WTH STOCKS Performance Highlights

17-208 383208 WTH STOCKS D-1360-64 19.5-20.50 Canadian Retail & Commercial - Steady Net Income, $ millions 800 600 400 200 • strong growth in assets • ➤ mortgages up 10% some margin pressure • broad-based fee growth • lower loan losses • market share gains 0 98 99* * includes net restructuring charge of $35MM pre-tax 9 Scotiabank

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