Investor Presentation - First Quarter, 2007

Scotiabank Scotia Capital Update on 2007 priorities Enhance NAFTA platform with additional product capabilities - adding Global Transaction Banking capabilities Build additional global specializations - leverage Waterous & Co. acquisition to enhance cross-sell in Oil & Gas strong pipeline - - develop or acquiring expertise in targeted industries - hired mining team - increase business with alternative asset managers infrastructure has been developed Maintain strong credit discipline - business Deliver sustainable earnings growth with high ROE Scotiabank 27 Risk Review Brian Porter Chief Risk Officer 28

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