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Scotiabank Investor Presentation

Domestic initiatives Canada Post alliance ➤ provide banking services in rural communities • Customer-focused financial package products . A - ScotiaLine VISA, Scotia Total Equity Plan E-Commerce and E-banking initiatives A - Scotia Web Store, voice recognition 15 Strong International results Net Income, $ millions 100 19% Asia & 75 60 50 25 Q2/99 Latin America Q2/00 • Latin America: • . Caribbean 16 A higher contribution this quarter Caribbean: continues to provide strong contribution Asia: A sold 40% interest in Solidbank to Metrobank for $140 million - invested US$84 million for 8% in LTCB - Japan 8

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