Financial Resilience and Provisioning

Other Portfolios in Good Shape ■ Domestic ➤ excellent retail ➤ commercial in good shape ■ International ➤ stabilized Latin American subsidiaries ➤ Caribbean & Asia performing well ■ Scotia Capital ► Canada & Europe stable A 29 Telecom & Cable Exposure Loans & acceptances, $ millions, Jan. 31, 2001 Investment Sector Grade Cable Operators 682 Non-Investment Grade 885 Total U.S. Total Exposure 1,567 683 Regulated Telephone 814 814 Unregulated 1,104 1,106 2,210 854 telephone/wireless Other communications 28 235 263 248 Total 2,628 2,226 4,854 1,785 Of which CLECS 146 85 Net Impaired loans: <$5 million 30

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