Investor Presentaiton

Domestic* - Strong Earnings Growth Net income, $ millions 1000 36% 500 0 1999 ■ Continued business growth - retail assets: +6% ➤ business deposits: +11% double-digit fee income growth A ■ Excellent credit quality Several major initiatives ➤ Sales Builder ➤ new products 2000 15 * includes Wealth Management Record Wealth Management Revenues 1000 Revenues, $ millions 29% 750 500 250 0 1999 2000 ■ Excellent revenue growth Brokerage: +43% Investment Management: +16% Major new initiatives i:Partner ➤ Scotia Partners Portfolio Alliance with Capital Group A 16

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