WTH STOCKS Performance Highlights

10-1360-64 WTH STOCKS 17-208 383208 19.5-20.50 Continued Productivity Leadership expenses as a % of revenues 65 Other Canadian Banks Scotia advantage 60 60 55 I Scotiabank 66.2* 59.3 1992 93 94 95 96 97 98 1999 6 * Q3/99 YTD Scotiabank

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