International Retail Loans and Provisions

Notable Items in Fiscal 2014 ($MM) Pre-tax After-tax EPS Impact Q4/14 Restructuring charges (148) (110) ($0.09) Provisions for credit losses Unsecured bankrupt retail accounts in Canada (62) (46) Valuation adjustments Funding valuation adjustment (30) (22) Revaluation of monetary assets in Venezuela (47) (47) Legal provisions (55) (40) Total - Q4/14 Notable items (342) (265) ($0.22) Q3/14 Notable gain on sale of investment $643 $555 $0.45 Total $301 $290 $0.23 Canadian Banking 453 International Banking (74) Global Banking & Markets (27) Other (62) 36 Scotiabank®

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