Investor Presentaiton

Scotiabank Overview Rick Waugh President & Chief Executive Officer 2009 Overview • Successfully managing through a challenging economy Strong financial performance, benefiting from record revenues Net income: $3.5 billion • - - EPS: ROE: $3.31 16.7% Record net income in all three business lines Credit portfolios performing within expectations Well capitalized - Tier 1: TCE: 10.7% 8.2% Scotiabank 4

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