Scotiabank Investor Presentation

Mortgages 35% Oct 31/05 ICC Cricket World Cup WEST INDIES 2007 Scotiabank OFFICIAL SPONSOR Group Credit Concentration Consumer 24% Energy / Petro / Finacial Serv 12% Mortgages 38% Construction Manuf 9% Oct 31/06 Transport/Distrib Trades 12% Consumer 25% Business/Pers Serv 8% FINANCIALS Investor Presentation, 29 January 2007 Energy / Petro / Finacial Serv 13% Construction/ Manuf 7% Transport/Distrib Trades 11% Business/Pers Serv 6% Mello

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