Investor Presentaiton

Scotiabank ■ ■ Scotia Capital 2007 Priorities Enhance NAFTA platform with additional product capabilities Target growing customer segments with new product offerings Build additional global industry specializations - leverage Waterous & Co. acquisition to enhance Oil & Gas develop or acquire expertise in targeted industries Continue to leverage long-standing client relationships ■ Maintain credit discipline Deliver sustainable net income growth with a high ROE Scotiabank 29 Outlook Rick Waugh President & Chief Executive Officer 30

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