Investor Presentaiton

Scotiabank Performance Review Sabi Marwah Senior Executive Vice-President & Chief Financial Officer 7 Scotiabank Impact of Canadian dollar Foreign exchange impact, $ millions Q3/04 vs. Q2/04 Q3/04 vs. Q3/03 Net interest income (38) 6 Other income (29) 00 6 Total revenue (67) 2 Expenses 82 30 6 Net income (28) 1c EPS impact (cents) (3c) 8

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