HollisWealth Referral John Lopes - Senior Manager, National Business Development October 1, 2014

Agenda – Scotia iTRADE Online Brokerage Industry & Key Opportunities Demographics & Client Discovery Why Scotia iTRADE? How to open a Scotia iTRADE account Support Resources

Online Brokerage Industry – A Platform of Choice Online Brokerage Compound Annual Growth Rates (CAGR) $478B $228B $136B $109B Sep 2000 Sept 2005 Sep 2011 Sep 2020 Source: The Retail Brokerage Report, Fall 2011, Exhibit 1.1., Investor Economics

A BIG opportunity for Scotiabank % of Households with an Online Brokerage Account BMO Customers CIBC Customers RBC Customers TD Customers Scotiabank Customers 2013 13.0 11.0 17.0 26.0 8.0 2011 2009 12.0 18.0 28.0 Only 2% of our customers use Scotia iTRADE whereas 8% have an Online Brokerage account

Understanding the Demographics Clients hold both full service and self-directed online brokerage accounts 31% of investors with investable assets greater than $1MM have an online brokerage account 45% of investors who work with an advisor have a self-directed online brokerage account, and this is a growing trend in Canada 5

Discovering the need for Scotia iTRADE 2 simple questions for your clients: How much of your investment portfolio do you manage on your own? If yes, where is the portfolio housed? What features are important to you when making your own investing decisions?

Why Choose Scotia iTRADE? Special Programs A Buck a Bond Commission-Free ETFs Refer A Friend Recent Enhancements DRIP and DPP – manage Dividend Reinvestment Plan (DRIP) and Dividend Purchase Plan (DPP) enrollment & cancellation online GIC Rates – view daily GIC rates online from Scotiabank and third party GIC providers Realized Gains and Losses (RGL) – new enhanced account functionality enables direct investors to quickly and easily check RGL information on their divested holdings

What's in it for your client – Scotia iTRADE Exclusive Offer for HollisWealth Clients High-Powered Trading Platforms Trading & Investing Education Trade for as low as $4.99, and $9.99 max Open a new Scotia iTRADE account with at least $15,000 within 60 days of account opening, and receive: 100 free trades Access to FlightDesk™ Valid for 90 days Trade equities and options on advanced trading platforms, including: FlightDesk™ Trading Desk™ Scotia OnLine® Mobile Scotia iTRADE™ Access to free education on a broad range of trading and investing topics Educational events in partnership with some of Canada’s leading industry experts: AJ Monte The Market Guys Som Seif Purpose Investments Jason Ayres Montréal Exchange And, many more.

What's in it for you – HollisWealth Advisor Acquire and Retain Get Rewarded Holistic view of the relationship Greater share of wallet Build the white picket fence around your client – keep our competitors from prospecting Every successful referral qualifies you for a payment of $125 per account To qualify: open a new Scotia iTRADE account fund with at least $15,000 within 60 days of account opening Learn more under the Scotia Partner’s page in myPractice

Our Premium Service – iClub iClub – Loyalty program for top clients Qualify by: Trades, or Assets Assets: Platinum Status: $1MM, or more Gold status: $250K, or more Commission tiers: $4.99 – based on trades w/paperless option $6.99 – based on trades w/paper option $9.99 – based on assets Platinum Benefits Priority telephone queue Free FlightDesk premium No account admin. fees Priority access to IPOs Member only client events Relationship Manager Service

How to refer and open an account with Scotia iTRADE Visit scotiaitrade.com > Open an Account > Start Application > to apply for an account - see screen shot below: Fill out and email the HollisWealth Referral form to referral@scotiaitrade.com for tracking and promo coding purposes Complete and mail the Client Disclosure Statement, including the application to Scotia iTRADE for review and account activation Refer to the Referral Program & New Accounts Processing guide for additional details

Business Development Team Scotia iTRADE Support Business Development Team Branch Services Team 1.877.536.7493 Business Development Team: sales support for Advisors Key Contact: John Lopes Senior Manager – National Business Development Branch Services Team: handles day-to-day service inquiries from Advisors service & operational support Key Contact: Tara Kandasamy Manager, Branch Services

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