Q3/01 Performance Highlights

€ Scotiabank Performance Review Sabi Marwah Executive Vice-President & Chief Financial Officer 7 € Solid earnings in Q3 Scotiabank Reported net income Includes: Addition to general provision ($75MM pre-tax) $MM EPS ($) $554 $1.04 (44) (0.09) Tax settlement-refund interest ($82MM pre-tax) Tax refund 48 0.10 Deferred tax asset reduction 15 0.03 (14) (0.03) $5 $0.01 8

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