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Andres Vera Fernandez

Managing Director, Global Family Office Group

Tel: 437.929.3173
andres.vera@scotiawealth.com

Andres brings more than 17 years of dynamic experience in the Wealth Management industry, with a proven track record across key global markets, including Canada, UK, US and Mexico.

Andres is currently Managing Director, Global Family Office Group where he is responsible for the Bank’s Ultra-High-Net-Worth clients across Scotiabank’s global footprint.

Prior to his current role, Andres has held progressively more senior roles at Scotiabank. He began his career at Scotiabank leading the International Advisory & Brokerage strategy team before moving into the International Investment Advisory (IIA) business, where he co-led IIA’s 20-billion-dollar business for five years. Additionally, he played a central role in defining Scotiabank’s onshore and offshore Wealth Management connectivity strategy.

Andres spent the early part of his career in Mexico City working for BBVA’s Private Banking division. From there he moved to Royal Bank of Canada to work for the prestigious Generalist Graduate Program, where he gained exposure to RBC’s WM businesses, including the M&A group and the Portfolio Advisory Group in various locations, including the US and UK.

Andres holds a Bachelor of Economics from Tecnologico de Monterrey and an MBA from Schulich School of Business.

Carla Deeks

Managing Director, Global Family Office Group

Tel: 416.315.6467
Carla.deeks@scotiabank.com

Ms. Deeks has more than 20 years experience in banking and is currently a Managing Director in the Global Family Office Group within Scotiabank. Ms. Deeks is responsible for relationship development with our ultra-high net worth and family office clients in Canada.

Prior to her current role, she was Managing Director & Head of Commercial Banking National Accounts in Central Canada from 2019-2025. In this role, she was responsible for leading a team of 45 professionals across Ontario to support large mid-market businesses in diversified industries, as well as public sector accounts. Over her tenor, she was known for bringing creative and insightful multi-product solutions to her clients and grew the aggregate portfolio to > C$8bn in lending and C$19bn in deposit & investments. Prior to Commercial Banking, Ms. Deeks worked in Corporate & Investment Banking Global Mining from 2008-2019, where she was responsible for managing Scotiabank’s relationships to several large multinational mining companies with cross-border needs across Canada, US, LatAM, Europe, Australia and Asia. Ms. Deeks has extensive structuring experience in acquisition financing, corporate revolvers, term loans, working capital solutions, trade finance and cash management needs. She has also worked closely with partners across Derivatives/FX, M&A, Ratings Advisory, Debt Capital Markets, Equity Capital Markets and Wealth. Ms. Deeks plays an active role in supporting The Scotiabank Women Initiative and Scotiabank’s sustainability and employee giving efforts across the enterprise.

Ms. Deeks is fluent in French and English and has received several awards, including the Women In Capital Markets Rising Start Award (2018) and the Women In Capital Markets Executive Leader Award (2022). Ms. Deeks holds a Bachelor of Commerce (Honours) degree from Queen’s University and completed the Accelerated Management Program from Yale School of Management.

Craig Gilchrist, Portfolio Manager, HBA, CIM®, FCSI®

Senior Vice President, Vice Chairman and Head, Global Family Office Group

Tel: 416.863.5957
craig.gilchrist@scotiabank.com

Craig Gilchrist is Vice Chairman and Head of Scotiabank’s Global Family Office Group. Mr. Gilchrist has over 25 years of experience in the finance industry. He is responsible for developing relationships with our ultra-high net worth and family office clients in Canada and globally.

Before his current role, he was Head of ScotiaMcLeod®, Scotia Wealth Management’s high-net-worth investment advisory arm. In this role, he led a team of over 1,700 professionals across Canada, managing over C$145 billion in assets under administration. Before ScotiaMcLeod, Criag was Chief Investment Officer at Scotia Wealth Management®, where he managed all investment operations, including the Global Portfolio Advisory Group, Investment Solutions, and Centralized Investment Management. He also served as Co-Head of Scotiabank’s Global Equity Sales and Trading business, responsible for a large team of professionals spanning Canada, the U.S., Europe, and Asia.

Mr. Gilchrist graduated with an Honours Business Administration (HBA) degree from the University of Western Ontario’s Richard Ivey School of Business. He spent the early part of his career as a member of the Investment Banking teams at Goldman, Sachs & Co. and Merrill Lynch Canada where he specialized in various corporate finance and M&A transactions. From there, he became Director, Hedge Fund Sales & Risk Arbitrage at Merrill Lynch Canada and Managing Director with BMO Capital Markets before moving to Scotiabank. Mr. Gilchrist joined Scotiabank in 2009 as Head of the Absolute Return and Arbitrage Group, which focused on structuring complex trading strategies that included long-short pair trades, risk arbitrage, and special situations.

Mr. Gilchrist is also a board member of 1832 Asset Management L.P., Scotia Wealth Insurance Services Inc., Deputy Board Chair of the Ivey Business School Foundation, and a board member of the Ivey Advisory Board (IAB). He is also a Chartered Investment Manager (CIM®) and a Fellow of CSI (FCSI®) holder.

caroline

Caroline Bell-Ritchie

Vice Chair, Global Family Office Group

Tel: 647.984.3071
Caroline.Bell-Ritchie@scotiabank.com

Caroline Bell-Ritchie is Vice Chair and International Head of Scotiabank's Global Family Office Group. Offering clients strong financial acumen and global experience, her primary goal is to develop close relationships with Scotiabank’s ultra-high net worth and family office clients, helping connect them to services and opportunities across the Bank’s global footprint. Mrs. Bell-Ritchie is also the Co-Chair of The Scotiabank Women Initiative, a member of the Scotiatrust board, and sits on the Jarislowsky Fraser board.

With over 24 years of experience across several financial institutions, Mrs. Bell-Ritchie worked at Goldman Sachs and Morgan Stanley, where she was most recently Head of Prime Brokerage for Canada, focusing on global equities and equity derivatives. Mrs. Bell-Ritchie holds a Bachelor of Arts degree from Princeton University and an MBA with Honours from Columbia Business School. Originally from Montreal, she has worked across various geographies, most recently Central and South America and the Caribbean.

A believer in supporting her community, Mrs. Bell-Ritchie is the Co-Founder and Chairperson Emeritus of Project Sunshine Canada. She is a Michael Garron Hospital Foundation board member and sits on the Canadian Advisory Committee for 100 Women in Finance.

Mrs Bell-Ritchie lives in Toronto with her husband and their three daughters and is an avid skier and tennis player.

sandeep

Sandeep Goel

Managing Director, Global Family Office Group

Tel: 437.247.3393
Sandeep.goel@scotiabank.com

Sandeep Goel has over 25 years of experience in the financial services industry and is the Managing Director for Cross-Cultural Segments within the Global Family Office Group at Scotiabank. Mr. Goel is responsible for developing relationships with South Asian ultra-high net worth and family office clients globally.

Before his current role, he was President & CEO at ICICI Bank Canada, a Schedule 2 Canadian Bank and a wholly owned subsidiary of ICICI Bank based out of India. In this role, he led a team of over 300 professionals across Canada to bring best-in-class banking services focused on South Asian segments in Canada. Before that, Mr. Goel was Chief Risk Officer for ICICI Bank for North America, managing all risk management areas, including credit, market, and operational risks.

Mr. Goel joined Scotiabank in 2024 to assist the Bank in serving the prosperous South Asian community across Canada. After receiving his Honours Engineering degree from Delhi University, Mr. Goel received his MBA from the Indian Institute of Management Bangalore in India. As part of his role in servicing the South Asian community, Mr. Goel has served on the boards of the Canada India Foundation, Indo-Canada Chamber of Commerce and Canada India Business Council and was a patron member of the Indiaspora.

With his risk management background in financial services, Mr. Goel brings unique skills to serve the community across multiple domains and perspectives.

Nestor

Nestor Blanco

Managing Director, Global Family Office Group

Tel: 416.615.5266
Nestor.blanco@scotiabank.com

Nestor is a Managing Director of the Global Family Office Group. Mr. Blanco has over 25 years of experience in the finance industry and is responsible for managing strategic relationships with international clients, with a dominant focus on Mexico, Colombia, and the Dominican Republic.

Mr. Blanco has an extensive background in international banking, mergers and acquisitions, and private banking and has covered markets across the Americas. Before his current role, he was Vice President and General Manager of Scotiabank Panama, spearheading $4 billion in assets and over 1000 employees. Mr. Blanco has also worked closely with private banking offices in Toronto, Miami, Lima, Panama, Nassau, and the Cayman Islands. Mr. Blanco first joined Scotiabank in 2004 as a Director of Mergers and Acquisitions in International Banking, focusing on expanding the Bank’s international footprint.

Mr. Blanco spent the early part of his career as a member of the Investment Banking team at JPMorgan Chase & Co., specializing in M&A and Debt Capital Markets for Emerging Markets in New York. From there, he transitioned to focus on client relationships as a Relationship Manager in Investment Banking at JPMorgan Chase & Co. in Mexico. After JPMorgan, he spent two years at the International Finance Corporation (IFC), in the World Bank’s arm that lends to the private sector in emerging markets.

Mr. Blanco has a Bachelor of Accounting from Universidad Católica Andrés Bello in Venezuela and his Master of Business Administration from the Darden Business School at the University of Virginia.

Nestor

Rob Irvine

Senior Manager, Global Family Office Group

Tel: 437.221.7812
robertj.irvine@scotiabank.com

Rob Irvine has over 14 years of banking experience and is a Senior Manager within Scotiabank's Global Family Office Group. In his role, he functions as a strategic relationship manager, delivering complex all-bank solutions to Canadian ultra-high-net-worth and family office clients.

Previously, Mr. Irvine was an Associate Director of Global Business Payments at Scotiabank Global Banking & Markets, where he provided tailored cash management and liquidity solutions to the firms key Non-Bank Financial Institutions clients. Prior to his experience in Corporate Banking, Rob managed a team in Retail Banking responsible for Sales, Service, and Operations.

Mr. Irvine holds several certifications from the Canadian Securities Institute, including a Small Business Banking Certificate, Branch Compliance Officer designation, Financial Planning Level II, and Investment Funds in Canada.

Nestor

Ben Bjarnason, MBA

Senior Family Office Advisor, Global Family Office Group

Tel: 437.221.3654
ben.bjarnason@scotiabank.com

Ben Bjarnason has over 20 years of experience in financial services and is a Senior Family Office Advisor of Scotiabank’s Global Family Office Group. He has extensive experience in the global wealth management industry, with a focus on strategy and business solutions for ultra-high-net-worth and family office clients.

Before his current role, Mr. Bjarnason spent 12 years in London, UK, in the Swiss Private Banking arm of HSBC PLC, where he led its global strategic planning, client proposition and cross-border client platform. He also worked as the European Head of Business Planning for Visa Inc.

Mr. Bjarnason earned his MBA from the Rotman School of Management at the University of Toronto and his Bachelor of Arts degree from the University of British Columbia. He spent the early part of his career working in the Canadian House of Commons as an Advisor for two Members of Parliament, respectively, and with an Ottawa-based digital start-up.

Nestor

John Findlay, CFA

Senior Family Office Advisor, Global Family Office Group

Tel: 647.822.4025
john.findlay@scotiabank.com

John Findlay is a Senior Family Office Advisor in the Global Family Office Group within Scotiabank and brings over 25 years of capital markets experience. Mr. Findlay is responsible for relationship management, business development efforts, and connecting Canadian clients to services and opportunities across the Bank’s global footprint.

Before his current role, he was a Managing Director at Scotiabank's Institutional Equity Sales and Trading desk. In this role, he managed relationships across the Canadian Institutional landscape, including Chief Investment Officers and Portfolio Managers at leading mutual funds, hedge funds, pension funds and insurance companies. The role was domestic in nature but collaborative across Scotiabank’s team of global professionals across Canada, the U.S., Europe, and Asia. It was also highly integrated with Scotiabank’s Equity Research and Corporate & Investment Banking and overall capital markets distribution capabilities.

For the two years prior to joining the Global Family Office Group, Mr. Findlay created a Family Office platform within the Capital Markets group at Scotiabank. This brought institutional-style coverage to the Family Office community across the country and offered capital markets solutions and capabilities relevant to this growing market segment.

He received his undergraduate degree from Western University and has his Chartered Financial Analyst (CFA) designation.

Nestor

Rachel Tidball, HBA

Senior Manager

Tel: 647.741.4769
rachel.tidball@scotiawealth.com

Rachel Tidball joined the Global Family Office Group at Scotiabank in 2023 after graduating with an Honors Business Administration (HBA) degree from Ivey Business School at Western University. She played varsity field hockey throughout university and was an Academic All-Canadian and scholar athlete.

Rachel supports all functions of the group by leveraging broader Bank relationships, systems, and knowledge to help deliver all-bank solutions to ultra-high net worth clients. She is specifically focused on strategic client initiatives, portfolio management, and building client relationships.

Rachel also has financial planning experience through graduating from the Bank’s Wealth Management Associate Program. She is a registered representative, having completed multiple Canadian Securities Institute examinations, most recently the Wealth Management Essentials (WME®) certification.

She is excited about the future of Global Wealth Management and navigating the increasingly digital environment for ultra-high-net-worth clients and their family offices.

Nestor

David Reid, FMA

Vice President

Tel: 647.622.2368
davidj.reid@scotiabank.com

David Reid is Managing Director of the Global Family Office Group and lead relationship strategist in Canada. He has more than 20 years of financial services industry experience with an extensive background in commercial lending and wealth structuring.

Prior to his current role, Mr. Reid was Director and Team Lead with Scotia Wealth Management, Canadian Private Banking. In this role, he built and managed a practice dedicated to clients requiring highly customized lending and risk management solutions.

After receiving his Bachelor of Arts degree from the University of King’s College, Mr. Reid completed a Certificate in Accounting and Finance at Toronto Metropolitan University. He spent the early part of his career with the Royal Bank of Canada before joining Scotiabank in 2008.

Mr. Reid lives in Aurora, Ontario with his wife, two children and dog. He skis badly and plays golf not well at all.

Nestor

Alfredo Suasnabar

Senior Manager

Tel: 416.933.0645
alfredo.suasnabar@scotiabank.com

Alfredo Suasnabar is a Senior Manager who brings over 10 years of experience in international banking, specializing in wealth management and private banking. As a Spanish-speaking Senior Manager within the Global Family Office Group, Mr. Suasnabar plays a pivotal role in supporting and managing high net worth relationships across Latina America.

Mr. Suasnabar collaborates closely with local teams across various countries to address complex client requests, structure significant financial transactions, and deliver comprehensive client presentations. His expertise also includes developing and analyzing financial models that guide high-impact decisions for UHNW clients.

Originally from Lima, Peru, Mr. Suasnabar came to Canada as an international student at the University of Victoria in BC, where he obtained a Bachelor of Commerce.

Nestor

Maddy McCartney

Manager

Tel: 416.303.0940
madeleine.mccartney
@scotiabank.com

Maddy McCartney joined the Global Family Office Group in April 2025, bringing a variety of expertise and dedication to her role. She joined Scotiabank in 2022 after earning an Honours degree from Queen’s University.

In her prior role, Maddy was on the marketing team supporting Global Wealth, including the Global Family Office Group, where she developed skills in servicing ultra-high-net-worth clients. In her new role, Maddy will contribute to all facets of the group, with a focus on advancing strategic client initiatives, operational management, and fostering meaningful client relationships. Maddy is currently in the process of becoming a registered representative and working toward her CIM designation. She is deeply passionate about the evolving landscape of Global Wealth Management and enthusiastic about creating exceptional client experiences.

Luzita Kennedy, CPA, CA, CA(SA)

Vice President, Advanced Planning and Services

Tel: 437.236.1404
luzita.kennedy@scotiabank.com

Luzita Kennedy is a Chartered Accountant with over 20 years of experience. Most recently, she was the Founder and President of a boutique consulting firm that specialized in working with high net worth and ultra high net worth families as they prepared to transition their business to the next generation of leaders. This included assessing succession candidates, onboarding and coaching new leaders and aligning organization culture strategy and goals. It also included creating governance structures, managing family dynamics, and educating and mentoring the next generation. Prior to this, Luzita was a Partner in KPMG’s Advisory Practice, working with multinational insurance companies, Real Estate Investment Trusts and financial institutions. In her earlier career, Luzita spent years in her family’s business, managing the Finance department, instilling in her a passion for entrepreneurship and supporting others in the success evolution of their family business.

Starting in July 2022, Luzita joined Scotia Wealth Management as part of their Canadian Wealth Management team. In this role, Luzita is responsible for working and partnering with Wealth leaders in providing a total wealth solution for high net worth clients and business owners. Luzita is based in Toronto.

Nestor

Don Stubbs, MBA, TEP

Director & Group Lead, International Wealth Structuring

Tel: 917.916.6606
don.stubbs@scotiawealth.com

Based in Miami, Don is an International Wealth Structuring specialist with more than 20 years of experience in the industry. He holds the position of Director and Group Lead for Scotiabank’s Global Family Office & International Wealth Structuring Group based in Miami. His specialty includes advising family business enterprise Groups looking for succession and legacy planning. Under Don’s leadership the Scotia Miami IWS group was the winning recipient of the 2020 Best International Wealth Structuring group in South Florida by US Business News, and Best Wealth Structuring Solution (Miami) by the Family Wealth Report in 2024. Don has been with Scotiabank since 2001.

Don graduated from the University of Miami, in Coral Gables, Florida where he earned an MBA in International Business & Finance. He received his undergraduate degrees in International Business and Spanish Language & Culture from Loras College in Dubuque, Iowa and Universidad de Valencia Institute of Spanish Studies, Valencia, Spain. Don completed postgraduate studies in Estate Planning from the New York State Bar Association and in Leadership from Columbia University Graduate School of Business in New York. Don is a Member of the Society of Trust and Estate Practitioners (STEP) and has attained the STEP Advanced Certificate with distinction in Family Business Advising. Don is proficient in Italian and speaks English and Spanish fluently

Nestor

Jose Gomez, MBA, TEP

Director, International Wealth Structuring

Tel: 305.457.6835
jose.gomez@scotiawealth.com

Based in Miami, Jose is an International Wealth Structuring specialist with more than 12 years of experience in the industry. Jose works with partners across Scotiabank and centres of influence to meet the cross-border wealth structuring needs of families and enterprise groups controlled by them.

Jose joined Scotiabank in 2013 and has held various positions in domestic and International Wealth Management. For the last ten years Jose has been a member of Scotia’s Global Family Office and International Wealth Structuring Group reporting into Scotia’s Miami International Representative office.

Jose holds an MBA from Schulich School of Business at York University in Toronto, a Diploma in International Trust Management and an Advanced Certificate in Family Business Advising from the Society of Trust and Estate Practitioners (STEP) allowing him to be licensed as a Trust Estate Practitioner (TEP). Jose speaks English and Spanish fluently.

Jose contributed to the Scotia Miami IWS group being recognized as the winning recipient of the 2020 Best International Wealth Structuring group in South Florida by US Business News, and Best Wealth Structuring Solution (Miami) by the Family Wealth Report in 2024.

AnaCristina Blandon

Senior Manager, International Wealth Structuring

Tel: 305.360.9794
AnaCristina.Blandon
@scotiawealth.com

AnaCristina, a native Colombian, is an accomplished professional with over 15 years of experience in the financial industry, specializing in relationship and international wealth management. She is a Senior Manager in the International Wealth Structuring & Global Family Office at Scotiabank. AnaCristina has worked at prestigious institutions such as Morgan Stanley, Merrill Lynch, and J.P. Morgan. She holds a Bachelor of Science in Finance with a minor in Economics from Florida Gulf Coast University.

In addition to her successful career, AnaCristina is an active member of ALPFA (Association of Latino Professionals For America) since 2009. She currently holds the position of President for the Miami Professional Chapter and serves as a committee member in the national Strategic Development Committee (SDC) for Women of ALPFA (WOA). She has attended several Chapter Leadership Summits, multiple National Conferences, and L'Attitude. In 2022, AnaCristina was named a Latina to Watch in ALPFA’s list. Furthermore, she is the co-lead of the women's program at the Hispanic Heritage Chamber of Commerce South Florida. AnaCristina was recognized as a Latina of Influence by Hispanic Lifestyle in 2024.

Apart from her business acumen, AnaCristina possesses strong creative skills and has a passionate interest in science. In her free time, she enjoys spending quality time with her children, friends, and family. She also likes traveling, attending concerts, social events, and networking opportunities. AnaCristina is dedicated to empowering Latinos, women, and the next generation, as well as serving her community.

Nestor

Luana Carvalho

Senior Manager, International Wealth Structuring

Tel: 647.271.1151
Luana.carvalho@scotiawealth.com

Based in Toronto, Luana is a Brazilian and New York licensed Attorney with over 7 years of International Legal services. Luana worked in different NY law firms, most recently advising foreign HNW and UHNW families in succession and estate planning and wealth structuring.

She earned her LL.M at Brooklyn Law School in New York and a member of the American Bar Association.

Luana joined Scotia Wealth Management in 2021 as a Senior Manager, providing legal support to the International Wealth Structuring Group in Miami from Toronto.

Luana speaks English and Portuguese fluently.

Christian

Christian Carrero

Manager, International Wealth Structuring

Tel: 305.457.7918
christian.carrero@scotiawealth.com

Based in Miami, Christian supports the International Wealth Structuring & Global Family Office group with more than 6 years of experience in the industry. Christian works hand-in-hand with the Director & Group Lead to ensure compliance oversight within the group, and execution of the group’s business strategies and objectives.

Christian has been with the group since 2018, joining Scotiabank after graduation from Florida International University. He holds Bachelor degrees in Finance and Economics. Christian is an MBA Candidate at the Indiana University – Kelley School of Business with a focus in Finance. He is a Society of Trust and Estate Planners (“STEP”) affiliate member, with his certificate in International Trust Management.

Christian contributed to the Scotia Miami IWS group being recognized as the winning recipient of the 2020 Best International Wealth Structuring group in South Florida by US Business News, and Best Wealth Structuring Solution (Miami) by the Family Wealth Report in 2024.

Christian speaks English and Spanish fluently.

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Global Family Office Group

Your gateway to Scotiabank’s global expertise for ultra-high-net-worth families.

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Who We Are
What We Do
Family Office Services
Meet the team

Who We Are

The Global Family Office Group is a dedicated team within Scotiabank, composed of seasoned professionals from diverse backgrounds. We offer exclusive, personalized service for all your banking and wealth management needs, connecting you to key relationships across Scotiabank’s global network.
What We Do

We provide a single point of contact to help you navigate the bank, collaborate across business lines, and deliver customized solutions tailored to your family office’s unique needs.
Family Office Services

Custody & Consolidated Reporting

Safeguard and manage global multi-manager assets with full trade settlement, dividend collection, and portfolio valuation.

Investment Management

Discretionary, advisory, or execution-only solutions across all asset classes with preferred access to Scotiabank’s investment platforms.

Capital Markets & Investment Banking

Access private equity, debt, real estate, hedge funds, and direct investments with support from Scotiabank’s Capital Markets teams.

Private Banking & Lending

Strategic borrowing, concierge services, and cross-border financing tailored to your lifestyle and investment goals.

Wealth Structuring & Philanthropy

Customized estate planning and philanthropic strategies through Scotiatrust and Aqueduct Foundation.

Wealth Planning & Insurance

Insurance as a wealth-building tool—preserve and transfer wealth across generations with strong after-tax returns.
Meet the team

Trusted advisors. Proven leaders. Personalized support.

Craig Gilchrist, Portfolio Manager, HBA, CIM®, FCSI®

Senior Vice President, Vice Chairman and Head, Global Family Office Group

Caroline Bell-Ritchie

Vice Chair, Global Family Office Group

David Reid, FMA

Vice President, Global Family Office Group

Luzita Kennedy, CPA,CA, CA(SA)

Vice President, Advanced Planning and Services

Ben Bjarnason, MBA

Senior Family Office Advisor, Global Family Office Group

Nestor Blanco

Managing Director, Global Family Office Group

Carla Deeks

Managing Director, Global Family Office Group

Andres Vera Fernandez

Managing Director, Global Family Office Group

Sandeep Goel

Managing Director, Global Family Office Group

Don Stubbs, MBA, TEP

Director & Group Lead, International Wealth Structuring

John Findlay , CFA

Senior Family Office Advisor, Global Family Office Group

Jose Gomez, MBA, TEP

Director, International Wealth Structuring

Rob Irvine

Senior Manager, Global Family Office Group

Alfredo Suasnabar

Senior Manager, Global Family Office Group

Rachel Tidball, HBA

Senior Manager, Global Family Office Group

Christian Carrero

Senior Manager, International Wealth Structuring

Maddy McCartney

Manager, Global Family Office Group

Connect with us today to explore how we can support your family office.

Schedule a consultation Contact the team

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Scotia Wealth Management^® consists of a range of financial services provided by The Bank of Nova Scotia (Scotiabank^®); The Bank of Nova Scotia Trust Company (Scotiatrust®); Private Investment Counsel, a service of Scotia Global Asset Management; 1832 Asset Management U.S. Inc.; Scotia Wealth Insurance Services Inc.; and ScotiaMcLeod®, a division of Scotia Capital Inc. Private banking services are provided by Scotiabank. Estate and trust services are provided by The Bank of Nova Scotia Trust Company. Portfolio management is provided by Scotia Global Asset Management and 1832 Asset Management U.S. Inc. Insurance services are provided by Scotia Wealth Insurance Services Inc. Wealth advisory and brokerage services are provided by ScotiaMcLeod, a division of Scotia Capital Inc. International investment advisory services are provided by Scotia Capital Inc. Financial planning services are provided by Scotiabank and ScotiaMcLeod. Scotia Capital Inc. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. Scotia Wealth Insurance Services Inc. is the insurance subsidiary of Scotia Capital Inc., a member of the Scotiabank group of companies. When discussing life insurance products, ScotiaMcLeod advisors are acting as Life Insurance Agents (Financial Security Advisors in Quebec) representing Scotia Wealth Insurance Services Inc.

Scotia Global Asset Management is a business name used by 1832 Asset Management L.P, which is a subsidiary of Scotiabank.

Scotia iTRADE^® (Order-Execution Only Accounts) is a division of Scotia Capital Inc. ("SCI"). SCI is a member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Scotia iTRADE does not provide investment advice or recommendations and investors are responsible for their own investment decisions.

Scotia Securities Inc. is a mutual fund dealer and is a corporate entity, separate from, although wholly-owned by, Scotiabank.

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