Investor Presentaiton

Scotiabank $ millions Domestic: Net impaired loan formations in Q4/06 - Retail - Commercial 29 International: - Mexico - Caribbean & Central America 77 72 31 22 106 Domestic Retail: formations in line with strong volume growth - underlying credit trends remain strong. Domestic Commercial: classification of several small accounts, stable credit quality. 23 27 - Latin America & Asia (27) Scotia Capital: - U.S. (18) - Canada & Other 54 36 Total 169 ต Scotiabank International: credit quality remains stable. Scotia Capital: classification of 2 accounts in Europe, partly offset by a loan sale in the U.S. 17 Domestic Banking Chris Hodgson Executive Vice President Domestic Personal Banking 18

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