Investor Relations Presentation

Diversified and Growing Businesses Strong Canadian Base Target: 50/50 International 43% 57% Canada Presence in High Growth Markets Focus on Lower Risk P&C Target: 70/30 Caribbean & Central America Latin America Wholesale 28% 72% Asia Diversification creates stability and lowers risk All figures based on YTD Q3, 2014 net income (excludes notable Cl gain in Q3/14) Personal & Commercial

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