Investor Presentaiton

Scotiabank Canadian Banking 2009 Priorities • Maintain positive operating leverage • Focus on key segments & products • • Fully integrate recent acquisitions Take advantage of market opportunities Scotiabank • 17 International Banking 2009 Priorities Focus on deposits & fee-based businesses Maintain positive operating leverage - Focus on cost & productivity improvements . Increased focus on credit risk management • Seek opportunistic acquisitions 18

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