Investor Presentaiton

ESG Spotlight - Retail Banking Key focus areas 可 Housing 1 Green Vehicles ESG Investing Leadership in ESG Education Leadership in ESG Funds Leadership in EV Incentives Leadership in EV Financing Leadership in Aboriginal Banking Leadership in Newcomers Banking Recent achievements Introduced Canada's first sustainable investing tools through Scotiabank's iTrade. Over 20,000 users interacted with the sustainable investing tool in 2020. iTrade continues to deliver online learning modules to customers interested in learning more about ESG issues. Launched four ESG focused funds in 2020, the Scotia Low Carbon Funds (Global Equity, Global Balanced, & Canadian Fixed Income) & the Dynamic Energy Evolution Fund. These funds add to other ESG investing offerings, the ESG Equity Guided Portfolio, the Jarislowsky Fraser Fossil Fuel Free Funds and the MD Fossil Fuel Free Funds. Scotiabank in Mexico has offered customers since 2019 an incentivized credit plan to purchase an electric or hybrid vehicle through CrediAuto's Green Credit Program. The program offers benefits like a preferential interest rate and an "environmentally friendly bonus" to make cleaner-running vehicles more accessible. Scotiabank is a market leader in financing electric vehicles, having financed 43% of EVs in Canada in 2020.1 Scotiabank EV units financed in Canada have grown ~800% from 2015 to 2020. We have an exclusive relationship with Polestar as well as a semi-exclusive relationship with Tesla. Units financed in Canada for Teslas have grown 2,650% since 2015. Scotiabank operates 27 Aboriginal Banking Centres in Canada providing communities with our full range of banking services. The First Nations Leasehold program provides financing options for leasehold interests on First Nations land being developed with residential housing. Scotiabank's StartRightⓇ program addresses the unique banking needs of newcomers in Canada. The Scotiabank Start RightⓇ permanent resident mortgage program and the Scotiabank StartRightⓇ temporary resident mortgage program help facilitate newcomers' financing of home purchases. Represents bookings from Scotiabank subvented partners only. 18

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