Investor Day Summary

INVESTOR DAY SUMMARY A lot of heavy lifting completed and focused on key areas going forward Customer Focus Strengthen the Core Structural Digital ○ Cost Transformation Growth Levers Deeper customer relationships, focusing on growing primary customers, and NPS and improving the customer experience Playing "offense" (investing in data and analytics) and "defense" (protecting our reputation, investing in AML and cyber security) Solid progress on smart automation and Al while focusing on killer basics One year ahead of plan and will support productivity gains Untapped potential across our business and better leveraging our scale and footprint Scotiabank® 13

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