Investor Presentation: Scotiabank & R-G Premier

Highlights FDIC-assisted acquisition of select assets and assumption of certain liabilities of R-G Premier Bank Unique opportunity to enhance presence in Puerto Rico Scale in deposits (~9% market share) ➤ Significant increase in branch presence (+29) FDIC loss sharing agreement limits downside risk Consistent with strategy to grow in our existing markets ➤ Scotiabank presence in Puerto Rico for more than 100 years Scotiabank Investor Presentation | April 30, 2010

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