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Investor Presentaiton

Well Diversified by Business Segment % of total loans & acceptances Industrial Products Mining & Forestry Agriculture & Food Oil & Gas $ millions Q4/00 vs. Q3/00 Wholesale & Retail Media & Comm. Automotive Other 23 Real Estate Transportation Financial Services Utilities Hotels Construction Gross Impaired Loans 2000 vs. 1999 (25) Domestic - Retail (62) (18) - Commercial (53) (43) (115) 6 International 187* (67) Scotia Capital - Canada (16) 195 - U.S.A./Europe 208 128 192 91 Total Change 264 * excludes BSA, Chile acquisition ($97MM) 24

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