International Retail Loans and Provisions

FX Movements versus Canadian Dollar Canadian (Appreciation) / Depreciation Currency Q4/15 Q3/15 Q4/14 Q/Q Y/Y Spot U.S. Dollar 0.765 0.765 0.887 0.0% 13.8% Mexican Peso 12.63 12.32 11.95 -2.5% -5.7% Peruvian Sol 2.514 2.437 2.592 -3.2% 3.0% Colombian Peso 2,217 2,191 1,829 -1.2% -21.2% Chilean Peso 528.3 515.9 510.7 -2.4% -3.5% Average U.S. Dollar 0.760 0.803 0.905 5.3% 16.0% Mexican Peso 12.65 12.50 12.02 -1.3% -5.2% Peruvian Sol 2.456 2.539 2.589 3.3% 5.1% Colombian Peso 2,284 2,071 1,787 -10.3% -27.8% Chilean Peso 522.4 505.6 531.5 -3.3% 1.7% 37 Scotiabank®

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