Integrating Wealth Management

Domestic Franchise Initiatives underway ⚫ Forms-free teller in 700 branches completion by June 2000 SERVICIO • Sales and service focus - 90 branches to date increased sales, higher customer retention ⚫ New product packages A Scotia One Service, Scotia Line Visa • Streamline operations, reduce costs Staffing down 1,350 year/year 13 Scotiabank Develop Electronic Banking & e-commerce 14 Business → Consumer . Electronic wallet . "Smarty" - download cash electronically Wireless banking - enhance functionality A mobile terminals, pagers, cell phones Online customer growth - up 95% year-over-year Business Business • Scotiabank & Microsoft A Scotia Web store Identrus - consortium of international banks ➤ secure infrastructure for trade on Internet Scotiabank

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