Investor Presentaiton

5 • Business Model • Continue to operate as a separate entity - Will not be integrated with Scotiabank's existing banking businesses Maintain the unique value proposition offered by ING Direct Canada - Provide attractively priced and highly competitive products to self-directed customers • Use of ING Direct Canada brand under license • - - Any future branding will reflect the type of experience that customers receive now Continue to acquire new customers who are attracted to ING Direct Canada's value proposition and cross-sell additional products to existing customers Scotiabank

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