Investor Presentaiton

Unrealized Securities Gains ($ millions) Q3/10 Q2/10 Q3/09 Emerging Market Debt 330 375 470 Other Debt 602 255 450 Equities 176 233 (25) 1,108 863 895 Net Fair Value of Derivative Instruments (193) (67) (162) and Other Hedge Amounts Total 915 796 733 Scotiabank Trend in PCL Ratios (Specific PCL as % average of loans & BAS) Q3/09 Q4/09 Q1/10 Q2/10 Q3/10 Canadian Banking Retail Commercial Total 0.33 0.37 0.32 0.35 0.32 0.52 0.55 0.68 0.68 0.38 0.36 0.40 0.37 0.39 0.33 International Banking Retail 2.59 2.30 2.41 2.42 1.88 Commercial 0.32 0.48 0.50 0.53 0.20 Total 1.13 1.13 1.19 1.22 0.85 Scotia Capital Corporate Banking 1.01 0.65 0.15 (0.07) (0.09) All Bank 0.64 0.63 0.55 0.55 0.43 Scotiabank 35 36

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