Investor Presentation Third Quarter 2001

€ Scotiabank € Scotiabank Outlook Peter Godsoe Chairman & C.E.O. 20 29 Outlook ■ Economic slowdown ➤ pickup not expected until 2002 Closely managing credit portfolios ■ Solid balance sheet ➤ strong capital & reserves ■ Solid earnings momentum ➤ benefiting from diversification ➤ on track to meet targets 30

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