Investor Presentaiton

Digital Progress • Canada: • Pacific Alliance: Digital Retail Sales¹ +2,200 bps >40% of payment deferral requests processed online >80% of payment deferral requests processed online Digital Adoption² +1,900 bps In-Branch Financial Transactions³ 33 28 22 15 11 -1,400 bps 45 26 39 23 20 33 29 16 26 12 2016 2017 2018 2019 Q2/20 2016 2017 2018 2019 Q2/20 2016 2017 2018 2019 Q2/20 Goal >50% Goal >70% Adoption grew 10% Y/Y 1 Canada: F2017 22%, F2018 26%, F2019 26% PACS: F2017 13%, F2018 19%, F2019 29% 2 Canada: F2017 36%, F2018 38%, F2019 42% PACS: F2017 20%, F2018 26%, F2019 35% 3 Canada: F2017 17%, F2018 15%, F2019 12% PACS: F2017 29%, F2018 24%, F2019 19% Goal <10% • In-branch transactions fell 5% Y/Y 12

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