Investor Presentation Second Quarter 2007

Scotiabank Delivering on 2007 Priorities 1. Delivering sustainable revenue growth - Domestic (+8%): continued strong asset growth & improved Wealth Management results from higher cross-sell and new customer acquisition International (+29%): broad-based asset, revenue and customer growth Scotia Capital (+13%): strong investment banking revenues & growth in investment-grade assets 2. Effective use of capital: investing for future growth - positive impact of acquisitions - expanding distribution network, leveraging technology and marketing strength in balance sheet and capital ratios 3. Continued development of people and leaders 35 Scotiabank Appendix 36

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