Insight on timely issues delivered by key Scotiabank executives.

Richard E. Waugh Speech  - December 1, 2004
An address by Richard E.Waugh, President and Chief Executive Officer, to the Schulich School of Business, Outstanding Executive Leadership Award, Toronto, Ontario.

Richard E. Waugh Speech  - October 13, 2004
An address by Richard E.Waugh, President and Chief Executive Officer, to the Conference Board of Canada, Toronto, Ontario.

Richard E. Waugh Speech  - May 19, 2004
An address by Richard E.Waugh, President and Chief Executive Officer, to the JVS Strictly Business Awards luncheon.

David Wilson Speech  - April 5, 2004
An address by David Wilson, Vice-Chairman, Scotiabank and Chairman and Chief Executive Officer, Scotia Capital to the Calgary Chamber of Commerce.

Richard E. Waugh Speech  - January 15, 2004
An address by Richard E. Waugh, President and Chief Executive Officer, presented to the Economic Club of Toronto , Toronto, Ontario.