2010 Financial Overview

Canadian Banking: 2011 Outlook • Focus on growing deposits, payments and wealth management Subdued economic recovery and slower retail asset growth in a competitive environment • Retail PCLs expected to decrease. Commercial PCLs performing as expected • Continue to invest in and grow our core businesses Scotiabank Scotiabank Global Wealth Management 2011 Outlook Chris Hodgson Group Head, Global Wealth Management 21

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