Investor Presentation Third Quarter, 2008

Scotiabank Scotiabank Overview Rick Waugh President & Chief Executive Officer 3 Billion Dollar Quarter ■ Net income - $1 billion, EPS - $0.98 Strength of diversification each of our three growth platforms performed well record quarter for Domestic Banking, continued market share gains ■ Benefiting from strong risk management stable provisioning quarter over quarter ■ Continuing to pursue growth initiatives. - · E*TRADE Canada, Scotiabank Peru 4

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