Investor Presentaiton

International Retail: Loans and Provisions (balances at Q2/10, $ billions) 9.5 Total Portfolio = $21B 2.7 76% secured 0.7 Personal Loans (total = $6.5B) Credit Cards (total = $1.7B) ■Mortgages (total = $12.7B) 4.9 4.2 1.2 -0.4 6.1 14 0.1 2.3 3.3 1.2 2.7 0.5 0.6 C&CA (1) Mexico Chile Peru % of total 46% 23% 20% 11% PCL Q2/10 Q1/10 Q2/10 Q1/10 Q2/10 Q1/10 Q2/10 Q1/10 $ millions 31 35 41 48 22 22 31 25 % of avg. 130 140 346 403 208 205 538 426 loans (bps) (1) Caribbean and Central America - excludes R-G Premier Bank Scotiabank International Commercial: Lending Portfolio Q2/10 = $34 billion Other 7% Mexico 11% Chile 15% Peru 10% Asia/Pacific -(10 countries) 26% Caribbean Central America 31% Well secured Portfolios in Asia/Pacific, Mexico and Peru are performing well Closely monitoring portfolios in the Caribbean Scotiabank 43 44

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