Investor Presentation Third Quarter 2001

€ Scotiabank On track to meet Q4/01 net impaired loan target Net impaired loans, $ billions 1.2 1.1 1.0 0.8 0.6 0.4 0.2 0.7 2001 Forecast 0.4 0.25 00 0.0 Q1/01 Q2/01 Q3/01 Q4/01 25 € Scotiabank Forecast of specific provisions $ millions 400 400 300 200 100 Forecast 250 250 225-250 0 Q1/01 Q2/01 Q3/01 Q4/01 26

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