Q2 2014 Financial Review

Canadian Residential Mortgage Portfolio ($ billions, as at April 30, 2014) $94 $9 32 (1) (2) Total Portfolio: $188 billion Insured Uninsured 54% 46% Average LTV of uninsured mortgages is 55%¹ $85 $30 $5 $29 -$3 $16 $25 $26 -$1 $12 -$0 $8 $14 $12 -$0 $8 Ontario B.C. & Territories Alberta Quebec Atlantic Provinces Manitoba & Saskatchewan Condos $19B Freehold - $169B LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet and CREA data Some figures on bar chart may not add due to rounding Appendix Scoti You' 17 Scotiabank Scotiabank 16 9

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