A financial plan that s right for you. NAABA General Meeting March 20, 2014

A financial plan that s right for you. NAABA General Meeting March 20, 2014

Agenda Scotiabank Global Footprint Financial Solutions Aboriginal Relations Small Business Banking Commercial Banking Wealth Management Estate Planning Retirement

Scotiabank Group Footprint NORTH AMERICA CANADA MEXICO UNITED STATES CENTRAL & SOUTH AMERICA BELIZE BRAZIL CHILE COLOMBIA COSTA RICA EL SALVADOR GUATEMALA GUYANA NICARAGUA PANAMA PERU URUGUAY VENEZUELA 1 CARIBBEAN ANGUILLA CURACAO ST. KITTS AND NEVIS ANTIGUA AND BARBUDA DOMINICA ST. LUCIA ARUBA DOMINICAN REPUBLIC ST. MAARTEN BAHAMAS GRENADA ST. VINCENT AND THE GRENADINES BARBADOS HAITI TRINIDAD AND TOBAGO BONAIRE JAMAICA TURKS AND CAICOS BRITISH VIRGIN ISLANDS PUERTO RICO U.S. VIRGIN ISLANDS CAYMAN ISLANDS ASIA/PACIFIC AUSTRALIA* CHINA HONG KONG SAR, PRC INDIA JAPAN REPUBLIC OF KOREA MALAYSIA SINGAPORE TAIWAN THAILAND 1 VIETNAM* EUROPE & MIDDLE EAST DUBAI EGYPT FRANCE IRELAND RUSSIA* TURKEY* UNITED KINGDOM

Full Range of Financial Solutions Global Footprint Depth of Specialization

Aboriginal Relations Aboriginal Banking Centres Fort McMurray Main Branch - Fort McMurray Commercial Banking Centre & Main Branch Calgary Jasper Avenue Branch Edmonton Lethbridge Main Branch Lethbridge Slave Lake Branch Slave Lake Community Involvement & Education Member of the Canadian Council for Aboriginal Business, where it is Gold-certified for Progressive Aboriginal Relations Since 1998, Scotiabank has supported the Little Native Hockey League, bringing more than 100 Aboriginal teams together for a memorable week of hockey Proud supporters of MBA bridging programs, mentorships programs and on-reserve youth entrepreneurship programs

Small Business Banking Scotia Running Start for Business Account Plan for business, Account Plan for agriculture, or Scotia Professional Plus Account Plan with monthly plan fee waived for three months Credit Line for business with the standard monthly credit facility fee waived for the first five months ScotiaLine for business VISA card at Scotiabank prime for the first six months Term Loans for business and Term Loans for agriculture with principal payment deferral on Government Guaranteed Loans

Skilled Tradespeople Low rate of prime + 1% on a new term loan for business. Deferring principle payments for up to 6 months An introductory interest rate of Scotiabank prime for the first 6 months, with a new Scotialine for business VISA card Scotia Momentum for business VISA card, you ll earn 3% cash back at gas stations, restaurants, office supply stores and on reoccurring bill payments Monthly plan fee waived for the first 3 month with Account Plan for business

Commercial Banking The Edmonton and Northern Alberta Commercial Banking Unit is a team of experienced Commercial Bankers The group manages a diversified portfolio of public and privately held local, national, and international companies Industry concentrations in Oil and Gas Servicing, Construction, Manufacturing, Transportation and Logistics, Mining Services, Fabrication, Machining, Logging, Municipalities, University s, Schools, Hospitals, and other Non-profit Associations.

Commercial Banking Professional help from start to finish

Commercial Banking: How we add value We have the experts to meet all the needs of our clients Roynat (Capital, Leasing, Equity Partners) Scotia Leasing Mid Market Capital Advisors Global Transaction Banking (Trade Finance, FOREX) Scotia Private Client Group Franchising Asset Based Lending

Roynat Lease Financing (RLF) Roynat provides lease financing on a variety of equipment including: Construction/material handling Transportation/Vocational vehicles Professional business equipment Automotive equipment Office equipment Machine tools Roynat has the ability to approve applications up to 75K without financial statements Fixed interest rate and structured payment schedule Roynat will finance equipment from $2,500 3 million

Roynat Lease Financing (RLF) What don t we do? Owner/Operator long-haul transportation outside of Canada Monetary loans, property finance, real estate finance (RLF deals strictly with equipment finance) Start-up restaurants, fitness centers, and hair/beauty salon Private sales Equipment for personal use (must be commercial)

Wealth Management Our investment management services ranks as one of the top managers for high net worth assets Our estate and trust services ranks as a top tier trust company managing wealth for Canadians We are the largest provider of expert philanthropic services to private foundations Our private banking services lead the market for sophisticated lending and capital market transactions

Estate Planning Wills Power of Attorney Tax-saving strategies, gifting assets or setting up trusts Consultation with a lawyer or accountant Scotiabank specialized services

Retirement Planning Have a retirement strategy based on: Your projected retirement age Your lifestyle expenses Your income needs Your pensions Your savings

We re with you all the way As your life changes, your plan changes Major events: a baby, home, new job, inheritance, unexpected financial gain, change in marital status Constant advice from a Scotiabank professional Regular reviews to make sure you stay on the right path

Thank you Questions