Investor Presentaiton

Automotive Finance Canada's leader in automotive finance • Provide personal and commercial dealer financing solutions, in partnership with seven leading global automotive manufacturers in Canada • Portfolio grew 2%¹ year-over-year Personal up 4%, Commercial down 7% Commercial 12% Exclusive Relationships MAZDA VOLVO JAGUAR LANDROVER Near-Prime Retail 8% AVERAGE ASSET MIX $42.1B1 Semi-Exclusive Relationships* 80% 100% Secured HYUNDAI CHRYSLER GM TESLA Prime Retail * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Market Share² Prime Retail Market Share³ 63% 37% Near-Prime Retail Market Share4 71% 29% Commercial Floorplan Market Share5 71% 29% 1 For the three months ended January 31, 2019; 2 Data as at Oct 2018; 3 CBA data, includes BMO, CIBC, HSBC, National Bank, RBC, Scotiabank, TD; 4 DealerTrack Portal data, includes all Near-Prime Retail providers on Dealer Track Portal; 5 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank 6 based on IFRS 9; 7 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures Scotiabank® 21

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