Investor Presentation: Scotiabank & R-G Premier

Unique Opportunity to Enhance Presence in Puerto Rico • R-G Premier: Focused on residential mortgages and real estate loans • Achieve scale in Puerto Rico ➤ ~9% market share in deposits ➤ Significantly adds to branch presence R-G Premier Distribution Network 29 branches 61 ATMs Scotia 17 branches 60 ATMs Employees 1,200 Scotiabank Investor Presentation | April 30, 2010 580 5 ST

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