Third Quarter 2002 Earnings Report

Scotiabank $ billions General Provision Lower reserves Q3/02 Q2/02 1.5 1.5 Security Surplus (Deficit) - Emerging Market Debt 0.1 0.5 - Equity (0.2) 0.1 - Fixed Income (0.1) 0.6 Total 1.4 2.1 Scotiabank 15 Business Line Results 16

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