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Investor Presentaiton

Scotiabank $ millions High level of unrealized securities gains Scotiabank Q4/06 Q3/06 Q4/05 Emerging Market Debt 584 536 574 Fixed Income (102) (142) (38) Equities 519 454 499 1,001 848 1,035 Remaining unrealized gain on Shinsei investment: $78 mm 41 Q4/06 Items of note EPS impact (cents) Q4/06 vs. Q4/06 vs. Q3/06 Q4/05 ACG-13 (3) (2) VAT Recovery (5) Reduction of General 4 1 Lower tax rate 3 3 Securities gains (3) (3) Foreign currency (3) translation (4) (4) Business Growth 13 Reported Change (4) cents 9 cents 42 O ACG-13: negative impact in Q4/06 vs. Q3/06 ■ Reduction of General: reduced $60 mm vs. $45 mm in Q4/05 ■ Lower tax rate: higher dividend income & earnings in lower-tax jurisdictions ■ Forex Translation: foreign currency earnings reduced by stronger Canadian $
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