Investor Presentaiton

Scotiabank ◉ International 2008 Priorities Drive sustainable revenue growth - Target new segments - consumer finance, affluent, small business Expand distribution network . •Add 90-100 new branches • Increase use of alternate channels ■ Sustain focus on Mexico ■ Pursue additional acquisition opportunities – P&C banking, insurance, wealth management, consumer finance ต Scotiabank 23 Scotia Capital Stephen McDonald Co-Head Scotia Capital 24

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