It is now the leading bank in the region, with operations in 25 countries,
including Anguilla, Antigua, Bahamas, Barbados, Belize, Cayman Islands,
Costa Rica, Dominica, Dominican Republic, El Salvador, Grenada, Guyana,
Haiti , Jamaica, Netherland Antilles and Aruba, Panama, Puerto Rico, St.S.,
Professor, Department of Health Policy and Administration, School of Public
Health, University of North Carolina at Chapel Hill and a member of the
Alzheimer's Association's Board of Directors.
Compared to Whites, African Americans were more likely to report that
factors such as stress, mental illness, God's will, alcohol abuse, smoking and
exposure to toxins are important in the development of Alzheimer's. Caregiving in
this community is seen as reciprocal of the love and care given by the elder
generation and as being a model of traditional values for the younger
generation."

About the Alzheimer 's Association
The Alzheimer's Association offers a wide variety of educational resources
for non-English speaking audiences, including a Spanish language website. The
Association's 24 hour/7 day nationwide Contact Center features more than 140
languages and dialects (1-800-272-3900).

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However , Latinos had an entirely
unique category of cause -- mental illnesses or negative emotions that feature
"stress. Our findings underscore the critical need to
develop interventions and family caregiver training programs that are
sensitive to the unique needs of the cultural group being served.

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A leader in front office automation
solutions for commercial finance operations, CapitalStream today announced
Scotiabank is using its FinanceCenter 8 platform to accelerate day-to-day
banking operations, such as credit applications. CapitalStream transforms
the paper-based operations of mid-market, small business, equipment leasing
and commercial real estate groups by reducing costs, risk and processing
times to grow their portfolios without increasing headcount. Lucia, St.D.
Overall, Latinos and Whites have some mutual understanding about the
causes of Alzheimer's disease in these areas: genes, trauma, nutrition, aging
and brain deterioration. For both groups, "genes" was identified most
frequently as the cause for Alzheimer's.S. Outreach efforts and partnerships
with the National Council of La Raza and the National Urban League deliver
culturally appropriate information, education and referral services.

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and Scotiabank are teaming
up to enhance the speed and efficiency of bank services in 20 Caribbean,
Central and Latin American countries.scotiabank.025 ABMs.scotiabank. "Minority populations will see
dramatic increases in Alzheimer's in their communities in the future so we
need to act now to ensure that these communities are knowledgeable about the
disease. Participants were largely middle aged and highly educated,
with significant representation of African Americans , caregivers and relatives
of people with Alzheimer's disease.
"These distinctions in beliefs about Alzheimer's may be important to keep
in mind when designing health education and outreach programs for diverse
audiences," said Roberts. at the University of
Minnesota School of Nursing looked at the perception and care of elders with
dementia in the Hmong American Community.

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Due to the limited availability of
commercial credit scores in many Caribbean countries, Scotiabank is now
able to use FinanceCenter to implement custom score cards that improve risk
management, even when credit bureau information is limited or non-existent. Virgin Islands.

New Research Shows Alzheimer's Disease Research Recruitment Treatments Public Education Must Account for Cultural Beliefs

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About Scotiabank

Scotiabank has been part of the Caribbean and Central America since 1889. Vincent , Trinidad and Tobago,
Turks and Caicos, British Virgin Islands, and the U.D.N. Scott Roberts - Beliefs about Prevention and Treatment of
Alzheimer's Disease among African Americans (funders: Alzheimer 's
Association, National Institutes of Health/National Institute on Aging)
-- Jason Karlawish - Genes or Stress? Ethnic Perceptions About the Causes
of Alzheimer's Disease* (funder: Alzheimer's Association)
-- Linda A.

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"We are pleased to help Scotiabank leverage FinanceCenter's administration
tools to quickly and easily roll out our platform in 20 countries ," said
Kevin Riegelsberger, president and CEO of CapitalStream. CapitalStream solutions streamline data gathering, deal
structuring, credit analysis, document generation, booking, account
monitoring and ongoing risk management to more effectively originate
transactions and manage commercial relationships . For more
information, visit us at www.com. Participants included 16 Hmong Americans living in Minnesota and
Wisconsin, including family caregivers, traditional healers and community
liaisons .

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The Bank also has
minority interests in Venezuela and Peru, plus a representative office in
Brazil . from Laos as refugees following the Vietnam War and constitute a
growing population. The use of Western medicine was limited
to emergency care of acute illness.

-- J.

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, of Boston University School of Medicine, and
colleagues surveyed 312 participants to examine differences between African
Americans and Whites regarding their beliefs about what may cause, prevent or
treat Alzheimer 's.
Traditionally, the eldest Hmong son has the primary responsibility for his
aging parents , with his wife providing the actual hands on care.org .

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Scott Roberts, Ph. African
Americans were also more likely to suggest that lowering stress levels,
engaging in physical activity and eating a healthy diet are effective ways to
prevent Alzheimer's. They participated in an interview
using a special technique, called "freelisting," that identifies the terms
used to define a topic and also determines the level of shared knowledge in
the cultural group about the topic.
"The Hmong assisted the American effort during the Vietnam War, yet many
people are uninformed about this ethnic minority," Gerdner said."
"People's perception of disease impacts how we talk to them, assess and
diagnose them, treat them, recruit them for research trials, and get them
involved in the Alzheimer's community," Dilworth-Anderson said. "Studies like
these three help the development and dissemination of culturally appropriate
materials so we can broaden the community we reach with information , support,
services and research.

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Three independent studies looked at African American, Latino and Hmong
American communities to examine their beliefs about causes and preventions of
Alzheimer 's and to determine how their views were influenced by culture.

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PRESS RELEASE CapitalStream FinanceCenter Helps Scotiabank Accelerate Customer Service Process in 20 Caribbean Central and Latin American Countries

The
bank has some 8,760 employees in the region, serving more than two million
customers, with nearly 300 branches and about 650 automated banking
machines.

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With US$246 billion in assets (as at April 30, 2005),
Scotiabank trades on the Toronto (BNS) and New York (BNS) Stock Exchanges .
For more information please visit www.com., R.

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com


About CapitalStream

Established in 1995, CapitalStream provides software and consulting
services that enable commercial banks and finance companies to collaborate,
integrate and operate more effectively across their front office
operations. Outside of Mexico, Scotiabank's Latin America operations
are concentrated in Chile , with Scotiabank Sud Americano.

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Both groups viewed genetics/heredity as the most
important risk factor for Alzheimer's. "These views influence their opinions
about how best to prevent and treat it, and whether to participate in
research. Gerdner, Ph. Gerdner - Perception and Care of Elders with Dementia in the
Hmong American Community (funders: National Institutes of
Health/National Institute of Nursing Research, University of Minnesota)

All materials to be presented at the Alzheimer's Association International
Conference on Prevention of Dementia are embargoed for publication and
broadcast until the date and time of presentation, unless the Alzheimer 's
Association provides written notice of change of date/time in advance.

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In the Hmong American community, religious affiliation influenced
the perceived cause of dementia in older people and a majority of caregivers
viewed elder confusion as a normal part of aging.
The research findings suggest that religious affiliation (11
Animist/Ancestor worship, four Christian and one mixed) was associated with
perceived cause of elder chronic confusion in the Hmong community.

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CapitalStream, Inc. "This puts
Scotiabank and its international customers in a unique and leading edge
position in a very competitive commercial banking market. Scotiabank offers a diverse range of
products and services including personal, commercial, corporate and
investment banking. WASHINGTON, There are significant differences in
awareness and beliefs about Alzheimer's disease among ethnic groups, and
health education programs should be tailored to account for these different
understandings, according to new research presented today at the first
Alzheimer's Association International Conference on the Prevention of
Dementia.D. Hmong shamans identified soul loss as the cause
of dementia.

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"We believe
this initiative will not only generate more business, but also enhance our
ability to reduce overhead and manage risk.
Kitts and Nevis, St."

Beliefs About Alzheimer's Among African Americans
J. "Research suggests that culturally tailored health
education programs can be useful in raising awareness about health problems,
but such programs need to be informed by continued investigation of the impact
of race, ethnicity, and culture on perceptions of illness.5-year
period. Admission to a long-term care facility was associated with stigma
for both the elder and their family.
For 25 years, the donor-supported, not-for-profit Alzheimer's Association has
provided reliable information and care consultation; created supportive
services for families; increased funding for dementia research; and influenced
public policy changes.

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, of University of
Pennsylvania, compared beliefs about the causes of Alzheimer's among Latino
and White caregivers . Data was collected through interviews over a 2. "As a
result, dementia and family caregiving in the Hmong community have been
neglected areas of research. For more information, visit http://www .

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Grupo Financiero Scotiabank Inverlat SA is the country's sixth
largest commercial bank, with about 6,700 employees, some 430 branches and
a network of about 1.

Scotiabank is one of North America 's premier financial institutions and
Canada's most international bank. The
majority of caregivers viewed elder confusion as a normal part of aging but
they also sought treatment by a shaman (traditional healer) to satisfy the
spiritual needs of the elder.
The Alzheimer's Association, the world leader in Alzheimer research and
support, is the first and largest voluntary health organization dedicated to
finding prevention methods, treatments and an eventual cure for Alzheimer's.

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Maarten , St.

"Alzheimer's impacts all ethnicities and, as these studies show, an
effective outreach program must account for existing and meaningful cultural
perceptions about this disease ," said Peggye Dilworth-Anderson, Ph.
Researchers in Philadelphia recruited 30 White caregivers and 30 Latino
caregivers from the Puerto Rican community.D.
The Alzheimer's Association's vision is a world without Alzheimer's and
its dual mission is to eliminate Alzheimer's disease through the advancement
of research and to enhance care and support for individuals, their families
and caregivers.

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"





www. In those four countries, Scotiabank has nearly 60 branches and
about 100 automated banking machines (ABMs). With approximately 48,000 employees,
Scotiabank Group and its affiliates serve about 10 million customers in
some 50 countries around the world.
Significantly more people in the African American and Latino study groups
identified stress as a significant risk factor for Alzheimer's when compared
to Whites. Members of this community arrived
in the U.

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"

CapitalStream FinanceCenter 8 allows Scotiabank to rapidly evaluate,
originate and manage financial transactions, using Web-based process
automation and business analysis."
"Understanding people's perceptions about the causes of Alzheimer's
disease is crucial," said Karlawish.alz.

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"Scotiabank is now able to respond to more customers, more quickly," said
Jonathan Deletsu, director of business banking, Scotiabank .

Scotiabank's Latin America operations include Mexico, Chile, Venezuela,
Peru and Brazil.

Scotiabank has been in Mexico
since 1967."

Dementia in the Hmong American Community
A study led by Linda A.

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capitalstream."

Genes or Stress? Latino Perceptions About Alzheimer 's Disease
In another study presented today at the Alzheimer's Association Prevention
Conference , researchers led by Jason Karlawish, M." In fact, Latinos were more likely to mention "stress" and Whites
more likely to mention "genes," "plaques," "lack of brain activity" and
"environment.

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---

- - kjjkjk

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