Scotiabank Earnings Overview

Scotiabank A strong record of dividend growth Annual dividend, cents/share adjusted for 100% stock dividend 110 95 80 65 50 35 29¢ 20 1994 1996 * based on current rate Scotiabank $1.10* +36% vs. Q3/03 1998 2000 2002 2004 7 Performance Review Sabi Marwah Senior Executive Vice-President & Chief Financial Officer 8

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