Investor Presentation Second Quarter 2007

Scotiabank Positive operating leverage YTD Q2/07 vs. YTD Q2/06 (TEB) Revenue Expense Operating Growth Growth Leverage Domestic 7.0% 3.8% 3.2% International 29.3% 27.2% 2.1% Scotia Capital 7.2% 2.8% 4.4% All - Bank 13.5% 10.3% 3.2% ต Scotiabank 13 Domestic Banking Chris Hodgson Executive Vice President Domestic Personal Banking 14

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