Investor Presentation: Scotiabank & R-G Premier

Financial Impact Modest accretion to EPS beginning in Year 1 No material impact on capital ➤ Low risk weighting of assets covered by loss sharing agreement Significant increase in non-performing loans and provisions FDIC loss coverage at 80% Provision: Estimated NPL: Net NPL: ($ millions) 2,000 (1,200) 800 Scotiabank Investor Presentation | April 30, 2010 7

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