Investor Presentaiton

Scotiabank Overview Rick Waugh President & Chief Executive Officer Q3 2010 Overview • . Strong quarter - - Net income: $1,062 million EPS up 13% vs. prior year, down 4% vs. Q2 - Strong ROE at 18.2% Continued strong risk management performance All three platforms contributing to success Continued strengthening of capital ratios Scotiabank 4

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