Investor Presentaiton

Q4 2015 Trading Results and One-Day Total VaR ($ millions) Q4 2015 Trading Results and One-Day Total VaR 30 Millions 1-Day Total VaR Actual P&L 25 20 15 10 5 0 -5 -10 -15 -20 ли Average 1-Day Total VaR Q4/15: $13.1 MM Q3/15: $10.5 MM Q4/14: $23.8MM 34 Scotiabank®

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