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Public Accountability Statement 2002

Our Commitment to Communities

Employee Involvement

Supporting Community Development

Respect for the Environment

Our Commitment to Our Customers

OUr Commitment to Shareholders

Our Commitment to Employees

Regional Support

Appendices:

Branches, Offices & ABM Openings, Closings
and Consolidations


Scotiabank’s Employment Across Canada

Scotiabank Debt Financing to Business in Canada

Subsidiaries

Taxes in Canada – Fiscal 2002