Investor Presentaiton

(1) (2) (3) Other Segment¹ 2,3 Net Income ($MM) 72 47 43 32 62 (15) 72 Q3/14 Q4/14 Q1/15 Q2/15 Q3/15 Net after-tax notable items in Q4/14 Highlights Net income flat Y/Y Higher net gains on investment securities, foreign currency translation benefits and lower taxes were partly offset by lower asset/liability management activities and higher expenses Includes Group Treasury, smaller operating segments, and other corporate items which are not allocated to a business line. The results primarily reflect the net impact of asset/liability management activities Attributable to equity holders of the Bank Adjusted for notable items in Q4/14 - (See Appendix - Notable Items) 11 Scotiabank®

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