Scotiabank changes GIC rate

    TORONTO, Nov. 13 /CNW/ - Scotiabank today announced changes in the
interest rates earned on Scotia Guaranteed Investment Certificates (GICs). The
new rates are effective November 14, 2007.

    -   one-year GIC rate decreases 0.15 per cent to 3.10 per cent
    -   The effective yield on the five-year Accelerated Rate GIC decreases
        from 4.4423 per cent to 4.3393 per cent.

    (R) Registered trademark of The Bank of Nova Scotia.

For further information:

For further information: Paula Cufre, Scotiabank Public Affairs, (416)

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