Investor Presentaiton

Notable Items ($MM) Pre-tax After-tax EPS Impact Q4/14 Restructuring charges (148) (110) ($0.09) Provisions for credit losses Unsecured bankrupt retail accounts in Canada (62) (46) Valuation adjustments Funding valuation adjustment (30) (22) Revaluation of monetary assets in Venezuela (47) (47) Legal provisions (55) (40) - Total Q4/14 Notable items (342) (265) ($0.22) Q3/14 Notable gain 35 55 $643 $555 ($0.45) Scotiabank®

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