WTH STOCKS Performance Highlights

17-208383208 IH STOCKS D-1360-64 19.5-20.50 Retail & Commercial: Short-Term Plans • Focus on top-line revenue growth ➤ maximize revenue from acquisitions ➤ leverage Sales & Service initiatives ➤ focus on small & medium-size enterprises Develop Electronic Banking & E-Commerce wireless banking (pager, cell phone) ➤ e-Scotia.com & Microsoft alliance • Streamline operations, reduce costs "paperless" branch ➤ cost savings = $100 million+ 24 Scotiabank

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