Third Quarter 2002 Earnings Report

Scotiabank Scotiabank Outlook Peter Godsoe Chairman & C.E.O. 33 33 Outlook ■ Business outlook somewhat uncertain ☐ ➤ economic momentum in most markets remains positive Managing credit portfolios remains the priority Expect to meet performance targets (ex. Argentina) ➤ EPS: 7-12% ➤ ROE: 15-17% 34

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