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Investor Presentation

GLOBAL WEALTH & INSURANCE Significant Growth in Wealth and Insurance Highlights: • • Contributed 19% of YTD Q3/14 consolidated net income The quarter reflected notable Cl gain of $534MM after tax Strategic Priorities: Focus on acquiring and building loyal and profitable client relationships Expand international capabilities in key wealth and insurance businesses As at Q3 2014 AUM AUA In C$ $165B $365B Q3/14 Net Income 1,2 $312MM Productivity Ratio² 63.5% 7,546 # of Employees Total Revenue² (YTD2014) Wealth Management 84% 16% Insurance • Continue to build scale in global asset management Drive growth in Global Transaction Banking C$ millions through integrated cash management, $1,095 payments and trade finance solutions. Net Income 1,2 $1,207 CAGR 10% $984 (1) Attributable to equity holders 2012 2013 YTD 2014 (2) Excludes notable Cl gain of $534MM after-tax in Q3/14 10
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