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RECEOa/ED <br />APR 102006 <br />Diviska of Minerals and Cevl4py <br /> <br />92 Management's Responsibility for Financial Information <br />92 Shareholders' Auditors' Report <br />93 Consolidated Balance Sheet <br />94 Consolidated Statement of Income <br />95 Consolidated Statement of Changes in Shareholders' Equity <br />96 Consolidated Statement of Cash Flows <br />97 Notes to the Consolidated Financial Statements <br />Scotiahank 2005 Annual Report 91 <br />