Investor Presentaiton

Puerto Rico Exposures . Total Puerto Rico loans of approximately $6.1 billion reflect roughly 1.3% of the Bank's total loan book In $ billions Q3/15 Retail Personal Loans (Ex. Residential Mortgages) $0.8 Residential Mortgages $2.9 (1) Total Retail $3.7 Business & Government Commercial $2.0 Sovereign $0.4 Total Business & Government $2.4 Total (1) Approximately 60% subject to FDIC loss sharing agreement 17 $6.1 Scotiabank®

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