Scotiabank Risk Review

Scotiabank Consistent record of dividend increases 140 120 100 80 60 40 40 20 20 Annual dividend, cents/share 38¢ 1988 1990 * based on current rate Scotiabank $1.45 1992 1994 1996 1998 2000 2002* 7 Performance Review Sabi Marwah Executive Vice-President & Chief Financial Officer 8

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