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Q4 2009 Financial Results

Scotiabank Canadian Banking 2010 Outlook Chris Hodgson Group Head, Canadian Banking Canadian Banking: 2010 Outlook • Continued focus on growing Wealth Management • Build on 2009 launch of ScotiaLife Financial - Leverage prospect databases: SCENE and retail banking • • Accelerate business development efforts within Commercial Banking Continue to build strength in the Scotiabank brand - Increase consumer awareness and propensity to "shop" Scotiabank Maintain positive operating leverage - - Continue to invest in sales force and distribution Scotiabank 28

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